July 2025
25Jul

State of the nation: DB endgames – where are we now and what’s next?

By Laura McLaren & Lauren Branney  For those managing defined benefit (DB) pension schemes, it’s a pivotal and exciting time. The pensions landscape has changed significantly in recent years, opening up new strategic possibilities. We’ve seen record-breaking activity in the bulk annuity market and growing innovation in consolidation, and alternative risk transfer, leading to new settlement options. We’ve also seen more schemes considering the potential benefits of running on. We explore how the DB pensions environment has shifted, and what this could...

July 25, 2025
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18Jul

Developing Retirement Living Standards

By Matt Padley & Claire Shepherd The Retirement Living Standards (RLS), first published in 2019 and funded by the Pensions and Lifetime Savings Association (PLSA), set out what the public agree is needed to retire at two living standards above a minimum standard of living, based on extensive research with members of the public. The research uses the established approach to defining minimum living standards pioneered at CRSP and describes in detail what the public agree single and partnered retirees...

July 18, 2025
Adequacy, Books, Books, Pension design, Reports, , , ,
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18Jul

Individuals’ challenges managing pensions through retirement

By Bee Boileau, Jonathan Cribb & Carl Emmerson This report is one of two reports on the management of pension wealth in retirement conducted as part of the Pensions Review, led by the Institute for Fiscal Studies in partnership with the abrdn Financial Fairness Trust. In this report, we examine the decisions that older individuals face as they draw on and manage their private pension wealth through retirement. In particular, we highlight the growing importance of defined contribution (DC) wealth,...

July 18, 2025
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11Jul

The Pensions Review: final recommendations

By Jonathan Cribb, Carl Emmerson, Paul Johnson, Heidi Karjalainen & Laurence O’Brien This final report of the Pensions Review, a major project launched in April 2023 by the Institute for Fiscal Studies, in partnership with abrdn Financial Fairness Trust, examines the main risks to today’s working-age individuals in the UK pension system and sets out policy proposals primarily focused on improving outcomes for future generations of retirees. This report does further analysis and draws on the large number of reports...

July 11, 2025
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11Jul

Addressing the Challenges for Asset-backed Pensions in Indonesia

By Organisation for Economic Co-operation and Development This report assesses the challenges to ensuring adequate benefits in retirement for the Indonesian population. The design of the asset-backed pension system aims to help individuals to accumulate resources to finance their retirement. However, the rules of the system may not help achieve the desired objectives, appropriate schemes or vehicles may not always be available and individuals may not necessarily make use of those available. This can lead to retirement savings gaps that...

July 11, 2025
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June 2025
27Jun

The At Retirement Reckoning: Barnett Waddingham’s investigation into the UK’s retirement landscape

By Barnett Waddingham The British pensions industry is, once again, at a critical juncture. It seems every provider, regulator, and adviser is watching with bated breath as the time bomb of UK retirement saving ticks closer to detonation. And with every new day, the likely ripple effects of the impending disaster get bigger. The past 14 years of Conservative rule saw the pension landscape shift notably. The introduction of auto-enrolment in 2012 successfully widened the UK’s saving base and helped tackle...

June 27, 2025
Books, Books, Reports, System Characterization, , , ,
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27Jun

LGBTQ+ Aging and Retirement Issues: A Critical Review of Current Studies and Knowledge Gaps

By Julie Duda, Bri Bloxsom & Manshreya Grover This paper presents a detailed review of select studies on the experiences and challenges faced by LGBTQ+ older adults, particularly in the context of aging and retirement. Through a systematic analysis of fourteen studies, this review aims to provide a nuanced understanding of the issues encountered by this population, highlighting key themes including discrimination, healthcare access, social support, resilience, end-of-life preparation, and mental health. There exists a broad body of scholarly work that has shed light on...

June 27, 2025
Aging, Books, Books, Pension design, Reports, , ,
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20Jun

Planning: The Missing Link to Retirement Security. Retirement Survey & Insights Report 2024

By Goldman Sachs Michael Moran, a pension strategist in Goldman Sachs Asset Management, explains how the current macro environment is changing the retirement picture for both savers and retirees. Mike and his team are out with a new report that describes what they see as a missing link to retirement security. Get the report here

June 20, 2025
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20Jun

Aging and Retirement Issues for LGBTQ+ People

By Society of Actuaries Research Institute The Society of Actuaries (SOA) Research Institute Aging and Retirement Strategic Research Program in collaboration with the Sexuality and Gender Alliance of Actuaries (SAGAA) is pleased to present this collection of essays that explore aging and retirement issues for LGBTQ+ people. This collection continues the Program’s dedicated effort to further advance the SOA’s organization-wide Diversity, Equity and Inclusion initiative. This includes its 2021 companion essay collection on aging and retirement issues for people of different races and ethnicities. Our...

June 20, 2025
Aging, Books, Books, Reports, , ,
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13Jun

Dignity 2022: The Experience of LGBTQ Older Adults

By Cassandra Cantave Burton There are over 2.4 million LGBT adults over age 50 in the United States — a number expected to double by 2030 to over 5 million, according to Movement Advancement Project (MAP). A vast majority (85%) of older LGBTQ individuals are concerned about discrimination based on sexual orientation. They are also worried about how they will care for themselves and others. Two-thirds believe they will need someone to provide caregiving for them in the future and eight in...

June 13, 2025
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