December 2025
16Dec

Ghana. Rethinking Pensioners’ Advocacy in Ghana: A New Model of SSNIT Pensioners’ Association

Ghana’s pensioner population is steadily growing. With improved life expectancy and decades of formal employment feeding into the Social Security and National Insurance Trust (SSNIT), retirees today number about two hundred and fifty thousand, if not more. Yet paradoxically, this expanding demographic, arguably one of the most vulnerable and policy-affected groups remains one of the least effectively represented in national decision-making. For decades, the National Pensioners Association (NPA) has been the most visible body claiming to speak for pensioners, particularly...

December 16, 2025
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09Dec

Côte d’Ivoire Insurers Push for Pension Reform as Life-Insurance Penetration Stalls at 0.6%

Côte d’Ivoire’s Association of Insurance Companies (ASA-CI) has called for a mandatory supplementary pension plan for private-sector workers. The proposal was presented at the country’s first life-insurance conference, held in Abidjan on Dec. 3-4. Under the proposed scheme, private-sector employees would make additional contributions to boost their future retirement income, as the basic pension often fails to cover living costs, according to the ASA-CI. To support the new plan, the ASA-CI urged the government to develop tailored retirement savings and investment...

December 9, 2025
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05Dec

Exploring the awareness, preparedness and the state of pension among informal workers in Ghana

By Moses Segbenya, Jennifer Onomah, Raymond Kangmennaang & Esther Grantson The study explored the awareness, preparedness, and the state of pensions among informal workers in Ghana. The interpretive approach and the exploratory research design were used for this study. The snowball and purposive sampling techniques were adopted to select 45 informal workers in Ghana and two management members of a pension scheme in Ghana. Data gathered was transcribed, coded and analysed with the qualitative interpretative analytical framework. The study found that the majority of...

December 5, 2025
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01Dec

Kenya. Steady rise of public sector pension schemes laudable

The significant increase in the number of people joining the public sector pension schemes is a major recognition of the vital role they play in securing retirees’ lives. The schemes provide financial security by guaranteeing a stable income in retirement. The membership increased from 368,795 in the year to June 2022, to 511,000 by June this year, a 38.6 per cent growth in four years. Besides individual benefits, pension schemes play a crucial role in the national economy by mobilising lifelong...

December 1, 2025
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October 2025
29Oct

Mexico’s Retirement Savings Grow, Inclusion Gaps Persist

Mexico has experienced a significant shift toward formal savings and greater use of digital financial tools. Between 2021 and 2024, the share of adults with a retirement account rose from 35% to 42%, while adoption of online savings accounts and digital payment solutions tripled, according to the latest joint study by México, ¿Cómo Vamos? and Vanguard. This reflects broader progress in financial inclusion, as the share of adults with at least one formal financial product (savings account, credit, insurance, or AFORE)...

October 29, 2025
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20Oct

India. EPFO, NPS, Atal Pension Yojana covers less than 25% of workers: Mercer report on systemic flaws in retirement schemes

India’s pension safety net remains alarmingly narrow, with the Employees’ Provident Fund Organisation (EPFO), National Pension System (NPS), and government-backed schemes like the Atal Pension Yojana (APY) together covering less than 25% of the workforce — one of the lowest inclusion rates globally. A new Mercer–CFA Institute Global Pension Index 2025 report has flagged this limited reach, pointing to low coverage, inadequate benefits, rigid investment norms, and weak regulatory oversight as the country’s biggest pension challenges. As India’s working-age population...

October 20, 2025
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20Oct

Ghana. Gov’t intensifying pension reforms to cover informal sector workers – Minister

Government is intensifying efforts to integrate informal sector workers into voluntary pension schemes as part of broader reforms to secure dignified retirement for all Ghanaians. Dr Abdul-Rashid Hassan Pelpuo, Minister of Labour, Jobs and Employment, said this at the Third Health Sector Occupational Pension Scheme Annual General Meeting in Accra. The meeting was held on the theme: “Strengthening Ghana’s Pension Ecosystem for Development and Retirement Security.” While there are more than 200,000 potential beneficiaries, only about 8,000 have been integrated into the...

October 20, 2025
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17Oct

Mercer CFA Institute Global Pension Index 2025

By Tim Jenkins, Nicola Mc Garel & Sarah Hudson The Mercer CFA Institute Global Pension Index benchmarks 52 retirement income systems worldwide, spotlighting both challenges and opportunities for policymakers and investors. This year’s index expands with Kuwait, Namibia, Oman, and Panama added, incorporates updated OECD data, and introduces new integrity measures for sharper insights. Systems are assessed across three pillars, adequacy, sustainability, and integrity, using more than 50 indicators. In 2025, the Netherlands, Iceland, Denmark, Singapore and Israel all achieved...

October 17, 2025
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September 2025
29Sep

US. New Government Research Finds Strong Private Sector Retirement Plan Coverage

The Bureau of Labor Statistics has released its latest monthly report on employee benefits in the United States, and retirement benefit coverage for workers specifically. As of March 2025, the latest month for which measurable results are available, the Bureau found that retirement benefits were available to 72 percent of private industry workers. Notably, 70 percent of private sector workers had access to defined contribution plans, and 14 percent had access to defined benefit plans. Among private sector workers, the research found that 59...

September 29, 2025
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19Sep

OECD Employment Outlook 2025: Can We Get Through the Demographic Crunch?

By Organisation for Economic Co-operation and Development Over the past two decades, population ageing, increasing statutory retirement ages and rising education levels have led to higher employment rates among workers aged 55 and above in OECD countries. However, progress across countries remain uneven, and employment rates decline rapidly from age 60, such that many workers are leaving employment well before reaching the eligibility age for a pension. To sustain living standards and address structural labour shortages, many countries will need...

September 19, 2025
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