February 2026
06Feb

Retirement Survey & Insights Report 2025. New Economics of Retirement: New Solutions Provide a Ray of Hope

By Goldman Sachs In our annual Retirement Survey & Insights Report, we are pleased to present findings that may challenge conventional wisdom about retirement preparedness in America. While many acknowledge the looming retirement crisis, the traditional advice to simply save more may fail to account for the complex and evolving realities faced by millions of Americans. This year’s report introduces the "new economics of retirement,” as we grapple with the question “does the retirement math still work?” The report illustrates how rising costs...

February 6, 2026
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06Feb

Public Pensions and the Strategic Timing of Formal Employment

  By Diego Vera Cossio, Mariano Bosch, Jonathan M. Leganza, Tatiana Mojica & María Laura Oliveri We study how public pensions impact lifecycle labor supply decisions. Our analysis centers on pension eligibility rules in Ecuador. We first use administrative data to document and unpack retirement spikes at eligibility ages. Next, we use survey data and regression discontinuity to investigate whether eligibility rules influence earlier-inlife decisions about when to work formally versus informally. We find discontinuous increases in transitions to formal employment...

February 6, 2026
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January 2026
09Jan

Pension Saving in a Gendered Lifecourse

By Hayley James Despite automatic enrolment in work pension schemes, private saving for pensions in the UK is relatively low, with most people under-pensioned in later life and reliant on the state pension. In this book, Hayley James shows that equally significant is that women save far less for old age than men. Indeed, her detailed research reveals the ways in which pension saving, as an everyday practice of finance, is shaped by gender and how this evolves over the...

January 9, 2026
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November 2025
21Nov

How to Understand Pension Systems and Social Security? The ABCs of Pensions in Latin America and the Caribbean

By Waldo Andres Tapia Troncoso & Daniel Gamboa Rinckoar Pension systems are fundamental pillars of both present and future well-being for populations in any society. But what exactly are they, and how do they work in Latin America and the Caribbean? In this article, we break down the "ABCs"—the essential basics you need to understand pension systems in the region. We also provide a guide to their structure, how they function, and the challenges they face in the Latin American and...

November 21, 2025
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14Nov

Public Pensions and Private Savings

By Esteban García-Miralles & Jonathan M. Leganza How does the provision of public pension benefits impact private savings? We answer this question in the context of a Danish reform that increased social security eligibility ages. Using administrative data and a regression discontinuity design, we identify the causal effects of the policy on savings throughout the financial portfolio. We find increases in contributions to personal and employer-sponsored retirement accounts when delayed benefit eligibility induces extended employment. We argue that inertia—the continuation...

November 14, 2025
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October 2025
17Oct

What could effective pensions engagement look like?

By Pensions Policy Institute This report is primarily focused on the Defined Contribution (DC) landscape, in which engagement and active choice play a greater role, in comparison to Defined Benefit (DB). DC provides an increasing proportion of UK pension provision, with private sector DB provision in decline. As a result, DC savers will make up the majority of future retirees, and even among those with DB entitlement, many will also have some DC savings as a result of increased job...

October 17, 2025
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17Oct

Research and analysis. Lessons on pensions engagement

By Department for Work & Pensions This report summarises research exploring consumer engagement and ways to increase public engagement with private pensions in the UK. It brings together findings from a rapid review of publicly available literature with intelligence from 6 expert interviews across the UK, Western Europe and Israel. This provides new insight and understanding into some of the factors influencing pensions engagement. The research highlights areas for further research and could be expanded in the future by seeking...

October 17, 2025
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03Oct

Pension Design and General Public Finances: Beyond Baseline Actuarial Neutrality

By Didier Blanchet & Gilbert Cette The design of pension benefits cannot be considered in disconnection from the constraints related to the general public finances. A change in the average retirement age has an impact not only on pension funding, but also on resources available for other public spending. Incorporating this externality implies penalties/bonuses for earlier/later retirement that are much higher than those designed to balance the pension system alone. Source SSRN

October 3, 2025
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September 2025
19Sep

Boosting Retirement Income through Dynamic Withdrawals

By Ravi Saraogi Dynamic withdrawal strategies, extensively researched internationally, remain underexplored in India. This paper bridges this significant research gap by rigorously evaluating popular dynamic withdrawal methods using Indian data. Employing simulations based on historical equity, debt and inflation data from the Indian market, we compare 10 different adaptive and dynamic withdrawal strategies. The study demonstrates that dynamic strategies can improve withdrawals and sustainability compared to static withdrawal methods. However, this improvement comes at a significant cost of volatility in...

September 19, 2025
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12Sep

2025 Read on Retirement survey

By BlackRock Workplace savers are feeling more confident about retirement—but plan sponsors aren’t on the same page. As the gap in outlook widens, advisors have a critical role to play. Uncover the insights shaping this divide. Navigating uncertainty and a growing divide Saver confidence is up but fragile. This year’s dip underscores how closely confidence tracks with market volatility. And while savers feel increasingly sure, only 38% of employers believe the majority of their employees are truly on track—a record low. The...

September 12, 2025
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