January 2024
04Jan

Millennials vs. Boomers: Which Generation Is Better Prepared for Retirement?

Many boomers are currently retired or on the cusp of retirement, so it wouldn’t be a far-off guess to assume that boomers are better prepared financially for this phase of life. However, a recent Vanguard study found that millennials are actually better prepared for retirement than baby boomers. The study found that millennials who are median-income earners will be able to generate sustainable retirement income equal to 58% of their pre-retirement earnings, while median-income boomers will be able to generate sustainable retirement income...

January 4, 2024
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04Jan

Female-Specific Aging Trajectories Remain Understudied

Most model organisms don’t match human sex specificity The use of model organisms, such as worms, fruit flies, and mice, has helped researchers to understand many aging processes. However, it is also partly to blame for the lack of data on how pregnancy, breastfeeding, and menopause impact aging-related diseases. Animal research is based on the premise that those organisms and humans share essential physiological characteristics. While true in many cases, there are tremendous differences between the physiology of model organisms and...

January 4, 2024
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04Jan

China’s population: Beijing urged to build digitally inclusive society, as it seeks insights into technical skills of its elderly

China is seeking to gain more insights into the digital literacy of its elderly population as it attempts to find ways to better accommodate its rapidly ageing demographic in an increasingly intelligent society. New questions on smartphone usage for people aged 60 and above were added to a survey on population changes and the labour force conducted at the end of 2022, and published recently by the National Bureau of Statistics in the 2023 China Population and Employment Statistical Yearbook. They...

January 4, 2024
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03Jan

Sistema Nacional de Pensiones, por una vejez sin pobreza

Por Verónica González Vázquez Durante los últimos 28 años se han realizado múltiples análisis, valuaciones y diagnósticos de las características de pensión por vejez en México en los que han participado especialistas, investigadores y responsables de varias disciplinas con la intención de encontrar lo que podría ser un área de oportunidad. En algunas ocasiones se ha abarcado a la totalidad de la población mexicana, en otras, la mayoría, se ha analizado por sector económico o por pensiones contributivas o no contributivas;...

January 3, 2024
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03Jan

Colombia. Así quedará la mesada pensional en 2024 tras el aumento del salario mínimo

El Gobierno colombiano, encabezado por el presidente Gustavo Petro, anunció un incremento del 12 % en el salario mínimo para el año 2024, fijándolo en $ 1′300.000 más subsidio de transporte. Esta decisión fue tomada tras la falta de acuerdo entre empresarios y centrales obreras, quienes llevaban a cabo negociaciones para determinar el porcentaje de aumento. El ajuste no solo afectará a los trabajadores, también a los pensionados del país. Las pensiones que en 2023 eran equivalentes al salario mínimo de $ 1.160.000 experimentarán...

January 3, 2024
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03Jan

México. La siguiente administración heredará mayores presiones en las finanzas públicas

Para este año, el gasto público representará 25% del PIB y los ingresos presupuestarios  21.3 por ciento. En total, los ingresos públicos serán de 7.3 billones de pesos, 1.8% menor a lo aprobado para el 2023. El próximo gobierno mexicano, sin importar el partido, deberá enfrentar mayores presiones en las finanzas públicas, resultado de una combinación de mayor carga del gasto, aumento en las necesidades del mismo, un mayor endeudamiento, así como la ausencia de una reforma fiscal. Para este año,...

January 3, 2024
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03Jan

Chile. Reforma previsional sube 50% el tope imponible en pensiones, lo que también influye en la cotización en salud y otras de seguridad social

Actualmente existen dos topes imponibles en Chile en materia de las cotizaciones que se hacen para la seguridad seguridad: uno que se usa para el seguro de cesantía, y otro que se utiliza para todo el resto, partiendo por las pensiones. En la reforma previsional que presentó el gobierno en 2022, y según lo que mantuvo en las indicaciones que ingresó recientemente, el Ejecutivo quiere subir este último tope imponible de cotización, igualándolo al que se usa para el seguro de...

January 3, 2024
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03Jan

US. Largest U.S. corporate pension plans’ funding ratio hits 100% – WTW

The largest U.S. corporate pension plans' aggregate funding ratio reached 100% at the end of 2023, according to a new estimate from Willis Towers Watson. The analysis of pension plan data of 358 Fortune 1000 companies with defined benefit plans estimates the ratio increased from 98% at the end of 2022. WTW's estimated pension plan assets totaled $1.19 trillion as of Dec. 31, a decline of 1% from the previous year due to an active year in pension risk transfer transactions...

January 3, 2024
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03Jan

Huge risks for pensions in South Africa

South Africa will have a new two-pot retirement system by September this year, but there are several risks facing members and the industry. As the name suggests, the two-pot retirement system will have two pots – savings and retirement savings. The savings pot will hold a maximum of one-third of all retirement savings and will be accessible prior to retirement. The retirement pot will hold a minimum of two-thirds of all retirement savings and will only be accessible at retirement. A third vested...

January 3, 2024
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03Jan

Nigeria. Stakeholders Worry Over Slow Pace Of Micro Pension Plan

The ever slow pace with which Micro Pension Plan (MPP) is being subscribed to has been a source for concern for the operators, regulators and other stake­holders. Launched by the immediate past Pres­ident Muhammadu Buhari in 2019, four years down the line not much has been achieved in terms of numbers of contrib­utors and of course, micro pension assets under management. The MPP was launched to bring into the pension net, work­ers in the informal sector of the economy who are...

January 3, 2024
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