November 2025
20Nov

Why private pensions can’t fix the ageing problem

Across Europe, politicians increasingly tout private pensions as a cure-all for reviving stagnant stock exchanges, fostering entrepreneurship and curbing ballooning public spending as populations age. But any governments that bet on this solution may be disappointed. A proliferation of individual piggybanks will not solve the deeper challenges that flow from having purchasing power ever-more concentrated in older hands. According to the United Nations, Europe’s population aged 20 to 64 will shrink by 31% between now and 2100, while longer lifespans...

November 20, 2025
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14Nov

Pension sustainability and government effectiveness in the presence of population aging

By Dooyeon Cho & Kyung-woo Lee This study investigates the nonlinear effect of population aging on pension sustainability, contingent on perceived government effectiveness. Analyzing heterogeneous panel data for 15 OECD economies over the period 2002–2019, our findings reveal nonlinear patterns and evolving dynamics over time. We find that the negative impact of population aging on pension sustainability intensifies significantly as government effectiveness diminishes, indicating that the manner in which government policies are implemented and managed significantly influences how effectively pension systems can...

November 14, 2025
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14Nov

China. Long-term capital vital for pension system

BlackRock CCB Wealth Management and China Construction Bank have called for stronger long-term capital support to drive China's pension finance sector, highlighting in a recently released white paper that a stable and transparent capital market is vital for promoting long-term investment, building wealth and ensuring a resilient pension system. By the end of 2024, the total size of China's three-pillar pension system reached 15.66 trillion yuan ($2.2 trillion), accounting for less than 12 percent of GDP, indicating vast room for...

November 14, 2025
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14Nov

Italy, France and Belgium carry most worrying debts in EU, top bank says

Italy, France and Belgium have the most concerning debt-sustainability outlooks in the EU, according to the latest study published by the National Bank of Belgium. The analysis published today found that Italy, France and Belgium are the most fragile economies in Europe when it comes to government debt. They already carry some of the heaviest debt loads in the European Union, and their problems are made worse by rapid population ageing and rising pension costs. Koen De Leus, chief economist at BNP...

November 14, 2025
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11Nov

The rise of solo aging: How people in the US are preparing to grow older alone

The Society of Actuaries (SOA) Research Institute recently published a series of guides designed to assist solo agers with key financial and retirement decisions. In addition, the SOA published survey findings on the growing phenomenon of “solo aging” in the U.S. Solo agers are individuals who, as they grow older, navigate life and retirement without the traditional support network of close family members or partners. The consumer survey includes responses from Americans aged 50 or older who identify as solo agers. It provides insights into aging,...

November 11, 2025
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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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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

Adapting health, economic and social policies to address population aging in China

By Evandro F. Fang, Yuan Fang, Guobing Chen, He-Ling Wang, Jianying Zhang, Chenkai Wu, Jing Liao, Chenglong Xie, Xiaoting Liu, Kan Wang, Yang Liu, Guang Yang, Qian Wang, Long-Tao He, Jun Li, Hou-Zao Chen, Lin Kang, Yawen Jiang, Huanxing Su, Hong Jiang, Na He, Jun Tao, Sean Xiao Leng, Richard C. Siow, Chunrong Liu, Hafiz T. A. Khan, Yuanli Liu, Hisaya Kato, Takashi Sasaki, Jong In Kim, Andrea Britta Maier, Lin Zhang, Lene Juel Rasmussen, Jean Woo, Jing Wu...

October 31, 2025
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31Oct

The Future of Retirement Security An International Comparison through the Lens of Adequacy, Sustainability, Equity and Plan Design

By Surya Kolluri, Catherine Reilly & David P. Richardson Countries around the world are considering and implementing reforms to their retirement systems for a variety of reasons, including increasing demographic and economic pressures. A key demographic driver is human longevity. For example, the average retiree can expect to spend about two decades in retirement, roughly double the time from 50 years ago. In the United States, life expectancy has risen by 17 years since the Social Security program debuted nearly 90...

October 31, 2025
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28Oct

How China’s aging boom is turned into an investment story

With 300 million seniors and a shrinking workforce, China's 'silver economy' is emerging as one of its most durable new growth engines Residents of a community for senior citizens on the outskirts of Beijing. Retired factory supervisor Zhang Meihua starts every morning with a brisk walk around a new riverside park in Chengdu, tracking her steps on a smartwatch made by Huawei. "I never cared about gadgets before," she said. "But my children worry if I don't share my health data....

October 28, 2025
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