November 2025

U.K. to keep voluntary pensions system

Employers in the United Kingdom could be forced to make mandatory contributions to occupational pension plans unless they do more to encourage employees to contribute to the current voluntary system, a government appointed task force says. The Employer Task Force on Pensions, which was established in 2003 to advise the secretary of state for Work and Pensions, last week published a report recommending that the current system of voluntary contributions to occupational pension plans be maintained. But Sir Peter Davis, chairman...

Vanguard Introduces How America Retires, Analyzing America’s Retirement Revolution

Vanguard introduces the inaugural How America Retires report, a companion to How America Saves, that analyzes Vanguard retirement plan data and industry trends, uncovering insights into the behaviors, decisions, and challenges faced by Americans in retirement. As defined contribution (DC) plans continue to dominate the retirement landscape, How America Retires explores income-generation strategies in retirement and the critical role 401(k) plan design plays in shaping retiree outcomes. With more than four million Americans turning 65 this year1 and significant progress...

Precarious, Poorly Paid, and Unprotected: The ILO’s Definition of the Informal Economy

The International Labour Organization (ILO) defines informal employment as work “in small or unregistered businesses and undeclared jobs within registered firms,” under a definition adopted by the 17th International Conference of Labour Statisticians in 2013. While such jobs often provide quick income and greater flexibility, they are usually unstable, poorly paid, and lack basic protections such as health insurance or pensions. The ILO notes that informal employment is not limited to unregistered businesses. It can also occur within formal companies when...

UK retirement confidence falls to lowest level yet

Retirement confidence in the UK has dropped to its lowest level since tracking began, according to new research from Nucleus. The third annual Nucleus UK Retirement Confidence Index finds that only one in four adults (26%) are confident they will have enough money to live comfortably for the rest of their lives, down from 34% last year. The overall confidence score has fallen to 4.2 out of 10, compared with 4.6 in 2024 and 6.9 in 2023. The report, based on YouGov...

Chile. Superintendencia de Pensiones pide a las AFP informar sobre financiamiento a fundación de asesor de Kast

La Superintendencia de Pensiones ofició a las AFP para que informen, en un plazo de 5 días hábiles, sobre toda publicidad y promoción que haya sido gestionada indirectamente, esto en el marco de la polémica por los bots contra Evelyn Matthei y Jeannette Jara. Según consigna Emol, el oficio solicita informar “toda publicidad, promoción, ya sea que conste en testimonios, entrevistas, columnas de opinión, videos, podcast, insertos, piezas audiovisuales, entre otros, que hayan sido gestionadas indirectamente”. Asimismo, pide información sobre “toda publicidad, promoción, ya sea que conste...

Perú. La mayor parte de afiliados AFP retiraría sus montos para ahorrarlos, revela encuesta

Una de las preocupaciones del octavo retiro AFP es que los peruanos saquen su dinero y afecten los ahorros para su vejez. Estos fondos sirven para generar mayor rentabilidad a los descuentos que se hacen obligatoriamente al salario de los trabajadores formales y poder darles una jubilación que les sirve para sostenerse de adultos mayores. Al retirar estos fondos, están afectando el dinero que estaría guardado para sostenerlos en el futuro. Pero, según una encuesta reciente de Woldplanel by Numerator, los peruanos tendrían considerado...

Chile. Super de Pensiones publica norma en consulta que aborda situación financiera de largo plazo del Fondo Autónomo Previsional

La Superintendencia de Pensiones puso en consulta una norma que busca perfeccionar la presentación de los estados financieros del Fondo Autónomo de Protección Previsional (FAPP) que creó la reforma de pensiones. “Se trata de la incorporación de un estado complementario denominado Balance Económico que tiene como objetivo reflejar la situación financiera del FAPP en un horizonte de largo plazo, es decir, de 75 años, de acuerdo con los supuestos considerados en la Ley N° 21.735 de reforma previsional", señaló el...

Las obligaciones de España superan el 600% del PIB por la deuda pública y las pensiones

Europa se tambalea. La excesiva burocracia, las barreras comerciales internas, el ecologismo exacerbado o la elevada fiscalidad están lastrando el crecimiento de este territorio desde hace décadas. "El continente que vio nacer la revolución industrial ha dilapidado su capacidad para aprovechar la digital" lamentan Luis Garicano, Bengt Holmström y Nicolas Petit en un interesante informe que han publicado esta semana en Silicon Continent, un blog que Garicano creó hace un año junto a su hijo y que "pretende promover los principios del progreso,...

Trans troops sue United States Air Force over revoked pensions after 15–18 years of service

A group of trans veterans, lead by Master Sergeant Logan Ireland, 37, (pictured) is suing the United States Air Force after being stripped of retirement benefits they say were promised to them following years of honourable service. The lawsuit, filed on 10 November in the U.S. Court of Federal Claims, involves 17 former Air Force and Space Force members who each served between 15 and 18 years. Under the Temporary Early Retirement Authority (TERA), they were initially granted early retirement in June, only for the Air Force to...

UK. Government to rethink rejection of Waspi compensation

A decision to reject compensation for women hit by changes to the state pension age will be reconsidered by the government. Campaigners say 3.6 million women born in the 1950s were not properly informed of the rise in state pension age to bring them into line with men. Last year, the government apologised for a 28-month delay in sending letters, but rejected any kind of financial payouts. A document was not shown to Liz Kendall, who was Work and Pensions Secretary...