June 2025
18Jun

Activating the aging agenda: A fresh look at an overlooked mega trend

Almost every country in the world today is facing a predictable, but addressable, trend that will profoundly impact societies and economies: Aging. Despite numerous calls  to action, the aging agenda remains under the radar, especially when compared to other “mega trends” like climate change and digital transformation. Understanding demographic changes Why is aging being overlooked? There are three key aspects of demographic changes that are not well understood, which we believe is contributing to the lack of policy attention: Speed of aging in developing economies: Developing...

June 18, 2025
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16Jun

Planning for 100-year lives: How fintech can reshape wealth for the longevity economy

With people living significantly longer, the conventional model of retiring at 65 no longer suffices. Fintech innovations like robo-advisors, artificial intelligence coaches, and behavioural nudges can help people navigate financial volatility. Real impact demands joint efforts from fintechs, banks, employers, educators and policymakers to make financial tools inclusive, accessible and effective. We are living through a global demographic shift. By 2050, one in six people worldwide will be over the age of 65, up from one in 11 in 2019, according to the United...

June 16, 2025
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16Jun

Japan’s Population Crisis Reaches Tipping Point

In 2024, Japan recorded only 686,061 births—the lowest number since records began in 1899. This marks a 5.7% decline from the previous year and the ninth consecutive annual drop. The fertility rate also hit a record low of 1.15 children per woman, far below the 2.1 needed for population stability. The steady decline in the number of births has become a defining feature of Japan’s demographic landscape, raising deep concerns about the country’s ability to sustain its population. Each year, the...

June 16, 2025
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13Jun

Dignity 2022: The Experience of LGBTQ Older Adults

By Cassandra Cantave Burton There are over 2.4 million LGBT adults over age 50 in the United States — a number expected to double by 2030 to over 5 million, according to Movement Advancement Project (MAP). A vast majority (85%) of older LGBTQ individuals are concerned about discrimination based on sexual orientation. They are also worried about how they will care for themselves and others. Two-thirds believe they will need someone to provide caregiving for them in the future and eight in...

June 13, 2025
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13Jun

Immigration and Adult Children’s Care for Elderly Parents: Evidence from Western Europe

By Andrea Berlanda, Elisabetta Lodigiani & Lorenzo Rocco In this paper, we use the Survey of Health, Ageing, and Retirement in Europe (SHARE), complemented with register data on the share of the foreign population in the European regions, to examine the effects of migration on the level of informal care provided by children to their senior parents. Our main results show that migration decreases informal care among daughters with a university degree, while it increases the provision of informal care...

June 13, 2025
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11Jun

How Employers Can Tackle Shifting Demographics and Retirement Needs

A host of demographic and societal shifts — ranging from increased longevity of the workforce to challenges faced by younger generations in achieving financial milestones — have profound implications for how employers manage their talent and deliver financial and retirement benefits. With talent retention and workforce planning at center stage, employers can pursue several paths to help secure the retirement needs of their plan population while managing volatility through market cycles. Diana Schneider, Head of Institutional Solutions at MassMutual,...

June 11, 2025
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10Jun

The number of working pensioners in Germany has reached a record high.

In Germany, the number of working-age pensioners is increasing – over 1.1 million people aged 67 and older are working, which is 51,000 more than last year. This is a record figure in the country's history. Most pensioners who continue to work do so due to financial necessity, as pensions prove to be insufficient. Therefore, the authorities have started to encourage active work among pensioners by offering them financial bonuses and additional earning opportunities. BSW party leader Sahra Wagenknecht is astonished:...

June 10, 2025
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09Jun

The actual cost of worsening demographics

Some slow-burning societal issues, such as the demographic challenges facing Western economies, receive little attention from policymakers. Strategies to address demographic decline often risk upsetting most European poli­ticians, who prefer to focus on short-term issues that are more likely to affect their careers. Some may consider this a cynical perception of what is wrong in today’s democratic politics. Still, the medium- and long-term costs of ignoring the demographic time bomb are being underestimated. An ageing population and slower labour force growth...

June 9, 2025
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06Jun

Flexible Retirement and Optimal Taxation

By Abdoulaye Ndiaye & Zhixiu Yu Raising the retirement age is a common policy response when social security schemes face fiscal pressures. We develop and estimate a dynamic life cycle model to study optimal retirement and tax policy when individuals face health shocks and income risk and make endogenous retirement decisions. The model incorporates key features of Social Security, Medicare, income taxation, and savings incentives and distinguishes three channels through which health affects retirement: nonconvexities in labor supply due to...

June 6, 2025
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05Jun

Why the US aging population will be a problem for stocks — and your retirement

One reliable indicator of investor behavior suggests that stock valuations in developed markets will peak in the next decade or so and then begin a long-term decline. The measurement for this prediction is demographics — in this case, the aging population of America and other developed markets. Long-term demographic trends are of little concern if you are a short-term-focused investor. But demography becomes quite important if you’re a decade or more from retirement and trying to devise an appropriate financial planning...

June 5, 2025
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