August 2025
12Aug

One in Three Older Households Is Cost Burdened

The recently released State of the Nation’s Housing 2025 report highlights worrying trends in housing affordability for older households (those led by someone age 65 or over). In 2023, over a third (34 percent) of older households were cost burdened, paying more than 30 percent of their income for housing. This represents a new high of over 12.4 million households and an increase of nearly 2.3 million households just since 2019. More than half of these households, 6.7 million, pay over...

August 12, 2025
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08Aug

Rejuvenating Economics: Subjective Age’s Influence on Work-Life Balance

By Andre Briviba, Valentin Schnellmann & Bruno S. Frey Chronological age is a key indicator in economics, determining policy decisions such as the retirement age and the minimum voting age. The concept of subjective age, extensively studied by gerontologists and psychologists, may be particularly relevant to economic decision-making. Using panel data from German adults aged 40–65 and individual fixed-effects estimations, we investigate the effect of subjective age on work and life satisfaction. Furthermore, we estimate the impact of subjective age...

August 8, 2025
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05Aug

China’s GDP could slow by more than half in the next 30 years due to population shrinking

China’s long-term economic growth is at risk owing to a shrinking labor force and rapidly aging population, according to Oxford Economics. The country’s potential output growth could fall below 2% by the 2050s, as low birth rates and a rising dependency ratio strain productivity and public finances. While developed nations like the U.S. may buffer this with immigration, China and others face tougher challenges in sustaining growth and managing social support systems. China may be the only nation that could rival...

August 5, 2025
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04Aug

US. The Silver Dividend: Navigating Longevity Risk in a Rapidly Aging World

The global demographic shift toward an aging population is no longer a distant forecast—it is a present-day reality reshaping economies, financial systems, and investment landscapes. By 2025, the number of people aged 65 and older has surpassed 61.2 million in the U.S. alone, while the U.S. median age has climbed to 39. Globally, 63 countries have already seen their population peak, and by 2080, the number of individuals over 65 is projected to reach 2.2 billion. This unprecedented aging...

August 4, 2025
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01Aug

The Path to 2075 — The Positive Story of Global Aging (Daly/Njie/Allen)

By Jan Hatzius, Joseph Briggs, Kevin Daly, Johan Allen, Sarah Dong & Megan Peters The global population is aging, driven by a combination of increased longevity and declining fertility. This phenomenon is most pronounced in developed (DM) economies, where the ‘working-age ratio’ (ages 15-64) has already decreased from 67% in 2000 to 63%, and is projected to fall to 57% by 2075. In emerging economies, the 15-64 share is close to a peak (66%) and is expected to decline to...

August 1, 2025
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01Aug

Extending Healthspans in an Aging World

By Stephen P. Utkus & Olivia S. Mitchell Extensions in human longevity are prompting a growing interest in maximizing healthspan, or the number of years of life unencumbered by the chronic diseases of old age. This chapter reviews recent research on healthy life extension, including several measures and determinants of longer healthspans. We also provide an overview of recent efforts by medical and business enterprises to enhance longevity and healthspan, followed by a discussion of policy and workplace options to...

August 1, 2025
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01Aug

Which U.S. States Have the Most People Aged 85 and Older?

According to the U.S. Census Bureau’s 2020 estimates, over 55 million Americans were aged 65 or older. That figure represents about 16.5% of the total U.S. population at the time. Of this group, over 6.3 million were aged 85 and above, a number projected to rise significantly in the coming decades. By 2050, the number of Americans aged 65+ is expected to grow by 47%, reaching over 82 million, according to the Population Reference Bureau. The fastest growth will occur in the 85+...

August 1, 2025
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July 2025
30Jul

Latin America has the fastest aging population in world

Uruguay is experiencing one of the most significant demographic transformations in Latin America, driven by a declining birthrate and an aging population. According to projections from the National Institute of Statistics, the country's total fertility rate dropped to 1.27 children per woman in 2023 and is expected to fall to 1.20 by the end of this year -- well below the replacement-level threshold of 2.1. The population, which peaked at 3.51 million people in 2020, is projected to decline steadily, falling...

July 30, 2025
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30Jul

Fertility Rate in the U.S. Reached an All-Time Low in 2024, CDC Data Reveals

Countries like Italy and Japan have been famously struggling to raise their birthrates to sustain their aging populations, and it turns out that the United States might not be doing super well, either. New CDC data released this month reveals that while the number of births in the United States increased by 1% from 2023—to 3,628,934 in 2024—the general fertility rate has declined by 1%. It now stands at 53.8 births per 1,000 females ages 15 to 44, an all-time low. The...

July 30, 2025
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25Jul

Population Aging and Financial Stability: An Empirical Analysis

By Hun Jang This study empirically examines the impact of population aging on financial stability. Constructing an unbalanced panel of 7,148 banks across 38 OECD countries over 27 years, we find that deeper demographic aging undermines banks’ capital adequacy and lowers their Z-Scores, thereby exerting a negative effect on financial stability. These adverse effects arise because slower growth, higher interest-expense burdens, and compressed net interest margins erode profitability, prompting banks to loosen risk standards in an effort to offset mounting...

July 25, 2025
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