September 2025

The Need For Regulation Of Private Equity: Evidence From De-Spac Transactions

By Sureyya Burcu Avci, Cindy A. Schipani & H. Nejat Seyhun In this Article, we examine whether regulation is needed to protect investors in private equity. We do this by analyzing the performance of de-SPAC transactions that solicited private investment. These private investments in public equity are known as PIPEs. Because PIPE returns are publicly available, we are empirically able to determine whether the limited PIPE investors are getting a fair deal in these investments. We find that de-SPAC investors...

Integrating Risk Management into Personal Financial Decisions

By Navin Kumar Effective personal financial planning demands navigating a landscape of uncertainty. This chapter explores how integrating risk management practices into personal finance decisions empowers individuals to achieve their financial goals. We begin by outlining the contemporary challenges individuals face and the importance of proactive planning. The chapter then delves into the concept of risk in personal finance, categorizing potential threats and their impact on financial stability. We highlight the benefits of a risk management approach, emphasizing its role...

Digital Pension Systems, Economic Growth, and Alleviation of Elderly Poverty

By Xue Wu Based on panel data from 31 provinces and municipalities in China (excluding Taiwan, Hong Kong, and Macau) from 2011 to 2023, this study empirically examines the relationship among the digital pension system, economic growth, and the alleviation of elderly poverty. The empirical analysis yields the following findings: (1) A well-developed digital pension system helps to alleviate elderly poverty; (2) Economic growth significantly mitigates elderly poverty; (3) The digital pension system serves as a mediating factor in the effect...

US. Don’t Plan Your Retirement Around Working Longer

You're fast approaching retirement, but don't have enough money to comfortably retire just yet. Instead of stashing more money in your 401(k), what if you just worked longer, delaying retirement until you saved enough? While this may seem like a good idea in theory, in practice it might not work out. We connected with policy experts to understand at what age people are retiring and why working forever won't solve your retirement woes. When Are People Actually Retiring? Most Americans retire before...

Recuperación del Empleo en Chile: Avances, desafíos y brechas persistentes

Por Ministerio del Trabajo y Previsión Social, Subsecretaría del Trabajo & Unidad de Estudios El mercado laboral en Chile ha mostrado avances significativos en su recuperación tras la pandemia, aunque persisten desafíos importantes en la inserción de algunos sectores rezagados. La recuperación del empleo ha sido impulsada principalmente por el crecimiento del trabajo formal y femenino. Mientras que la ocupación informal ha caído, afectando la absorción de trabajadores con menores niveles educativos. Libro completo aquí

Pensiones en México: problemas contemporáneos

Por María Ascensión Morales Ramírez & Diana Beatriz González Carvallo La creación de los sistemas de pensiones en el siglo XIX ha constituido uno de los más grandes logros, porque resolvió un problema esencial de las personas trabajadoras: los ingresos en la etapa más vulnerable de su vida. Con ellos, la vejez se reconoció como un asunto de Estado, pues aunque en forma directa afectaba al trabajador, indirectamente perjudicada a la sociedad; por ello, la seguridad social ha estado dominada...

Pensiones en Latinoamérica: Claves para atraer, retener y cuidar al empleado

Por Gonzalo Vértiz Díaz El panorama de los sistemas de pensiones en América Latina está evolucionando rápidamente. En las últimas décadas, hemos sido testigos de una transición constante a esquemas de contribución definida (CD), a medida que gobiernos y empleadores buscan hacer que los sistemas de jubilación sean más sostenibles frente al envejecimiento de la población. En América Latina, muchos países enfrentan una combinación de desafíos: expectativas de vida en aumento, sistemas de seguridad social presionados y altos niveles de informalidad laboral...

Viabilidad e impacto de los sistemas pensionarios en México: diferencias y perspectivas futuras

Por José Antonio Villalobos López El objetivo del trabajo es analizar el sistema pensionario mexicano, identificar las diferencias que se presentan en los sectores privado y público, evaluar la viabilidad y determinar el impacto de sus erogaciones en las finanzas públicas y en el Producto Interno Bruto (PIB). El trabajo sigue el método deductivo, un paradigma hermenéutico, con un enfoque mixto sin uso de inferencia estadística. Por la fragmentación del sistema pensionario, se presentan jubilaciones privilegiadas de organismos públicos descentralizados,...

How Africa is grappling with an impending aging crisis

Across Africa, a stunning success story has quietly taken hold: Decades of progress have begun delivering a wave of longevity that promises to reshape the demographics of the continent. But as lifespans lengthen and villages begin to fill with the old, pensions and social safety nets are minimal, medical care is lacking and routine problems of age are so commonly unaddressed that cataracts turn to blindness and minor infections end in death. Longer lives, time and again, come with more...

US. Retirement Planning In 2025: What’s On People’s Minds

If retirement has been on your mind lately, you’re not alone. A record number of Americans are hitting retirement age this year, and it’s clear that rising living expenses and health care costs are giving many people pause. Whether you're approaching retirement or already settling into your golden years, now’s the time to check in on your financial game plan. Confidence Is Shaky And Inflation Is a Big Culprit According to Fidelity’s latest State of Retirement Planning study, just 67% of...