November 2025
05Nov

Ireland risks major fiscal challenge from ageing population, finance ministry says

Ireland's national debt could more than double to 148% of gross national income by 2065 and the budget deficit could hit 7.9% without reforms over the next decade to soften the impact of an ageing population, the finance ministry warned on Tuesday. Ireland's old age dependency ratio - those aged over 65 per 100 working-age people - is set to jump to 55.2% by 2065 from 23% in 2022, straining public finances, stagnating the labour force and suppressing economic growth,...

November 5, 2025
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04Nov

Over half of global pension holdings already exposed to physical risk

Over half (55 per cent) of global pension fund holdings are exposed to significant and active physical risks, research from MSCI and Swiss Re has found, with asset owners urged to take action now to shift from being exposed to being prepared. The survey, which analysed the portfolios of 18 of the world’s largest asset owners, found that by value, this equals 25 per cent of total equity holdings of those surveyed, with small- and mid-cap companies particularly exposed. The report...

November 4, 2025
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04Nov

US Public Pension Market Bubble Exposure Remains High

Robust market valuations in recent years have supported funding progress for U.S. state and local defined benefit pension plans. However, public pensions remain underfunded and fundamentally exposed to market volatility. A market shock could increase the burden of state and local pension liabilities and drive contributions higher, says Fitch Ratings. Governments with weaker liability metrics and high carrying cost burdens could be most vulnerable to rating pressure. Post-global financial crisis, plan sponsors took various policy actions such as reducing benefits...

November 4, 2025
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04Nov

Unlocking pension funds for critical infrastructure development in Ghana

Ghana's Infrastructure Crisis and Economic Imperative Ghana's economic trajectory is promising, with steady growth averaging over 5% annually in recent years, driven by sectors like agriculture, services, and mining. Yet, this progress is hampered by a chronic infrastructure deficit that undermines productivity, stifles job creation, and perpetuates inequality. Pothole-filled roads delay goods transport, erratic power supplies disrupt manufacturing, and inadequate water systems expose millions to health risks. According to estimates by the Africa Development Bank, Ghana requires at least $37...

November 4, 2025
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04Nov

European pension funds back recommendations for more responsible mining sector

A commission of institutional investors, including the Church of England Pension Fund and the Council of Ethics for the Swedish National Pension Funds, has outlined recommendations for a more socially and environmentally responsible mining sector. The recommendations were made by the Global Investor Commission on Mining 2030, a multi-stakeholder commission supported by global investors managing or advising USD 18trn of assets. The 10-year vision for the mining industry, published just a week before the start of COP 30, is intended to...

November 4, 2025
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04Nov

Solving for retirement: All paths lead to more private savings

The biggest challenge and opportunity for superannuation, pension and sovereign wealth funds is the climbing support ratio, particularly in developed economies, according to Michael Davis, head of global retirement strategy at T. Rowe Price. The support ratio, sometimes referred to in less flattering terms as the old-age dependency ratio, has been in rising across every major global economy. For example, in Japan, the support ratio is 51, meaning 100 working adults support 51 retirees. In the 1950s, the ratio was...

November 4, 2025
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03Nov

US. State And Local Pensions Must Confront AI’s Systemic Risks

Stock prices are soaring due to investor enthusiasm about the potential for Generative AI to transform the economy. Dismissing concerns about GenAI’s lack of profitability to date, many investors are celebrating. But pension fiduciaries, charged with protecting the financial security of workers and retirees, do not have the luxury of complacency. Their duties of prudence and loyalty require assessing and mitigating risks, and GenAI unquestionably poses portfolio-wide risks. One of those risks is the U.S. tech industry’s approach to...

November 3, 2025
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03Nov

UK. Nigel Farage refuses to commit to the triple lock on pensions

Nigel Farage has suggested that the minimum wage may be “too high” for younger workers, as he laid out Reform’s vision for the UK economy. The Reform leader, speaking in the City of London on Monday morning, also revealed he was abandoning plans for tax cuts that were a central part of the party’s previous manifesto – and refused to commit to the triple lock on pensions. Asked whether he thought the minimum wage was too high, Mr Farage said: “There’s...

November 3, 2025
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03Nov

Positive aging takes root in China via community engagement

As China’s 1960s generation enters old age, a societal shift is underway, with positive attitudes toward aging becoming established and fueling an increasing number of seniors seeking fulfilling and diverse lives through community engagement. With hair dyed red and a tendency to speak quickly, Cui Xinyun, 71, appears young and energetic. When Cui started talking about her volunteer work, her eyes lit up. “Our community is like a big family. While helping others, I receive warmth and kindness too,” she...

November 3, 2025
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October 2025
31Oct

US. Uncertainty about retirement growing increasingly

Americans are growing increasingly uncertain about their retirement plans amid persistent inflation and mounting concerns about the future of Social Security. In a trio of recent surveys from Charles Schwab, Fidelity, and Northwestern Mutual, Americans' confidence in their ability to retire, retire comfortably, and the exact age at which different generations expect to retire varied widely. And in both the Schwab and Fidelity surveys, the number of Americans who said they're confident in their retirement plans fell from the same surveys conducted last...

October 31, 2025
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