July 2025
30Jul

Mexico’s Informal Employment Crisis Deepens as 850,000 New Jobs Lack Contracts

Mexico’s labor market delivered seemingly positive news in early 2025: a surge of approximately 850,000 new jobs created in the first half of the year. Yet, beneath this headline figure lies a deepening crisis of Mexico informal employment. New data from Mexico’s National Institute of Statistics and Geography (INEGI, July 2025) reveals that nearly all these new positions lack formal contracts, social security, or legal protections, pushing the country’s informal workforce to a record high of 54.9%. This precarious...

July 30, 2025
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21Jul

The Gig Economy’s Unstoppable Rise: How Freelancing is Reshaping Global Markets and Investment Strategies in 2025

The freelance workforce has become a cornerstone of economic resilience, with 1.57 billion independent contractors now representing 46.7% of the global labor force in 2025. This shift, driven by technological innovation and a generational redefinition of work, is not merely a trend but a structural transformation. For investors, the gig economy's rapid growth—projected to expand from $8.39 billion in 2025 to $16.89 billion by 2029 at a 19.1% annual growth rate—presents a compelling case for strategic allocation. The Forces Behind...

July 21, 2025
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11Jul

Global Aging and Growth: Is There a Silver Dividend?

By Donghyun Park & Kwanho Shin Despite concerns about the economic impact of population aging, this study highlights the potential for a 'silver dividend' as longer lifespans extend working lives. We show that the effects of aging on growth are highly nonlinear and concentrated in more advanced, older economies. Labor shortages are often offset by rising labor force participation, particularly in countries with higher life expectancy, stronger human capital, and greater trade openness. Larger governments, measured by consumption, appear to...

July 11, 2025
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04Jul

Living to 100: As lifespans rise, retirement planning needs a major reset

Longevity is quickly becoming one of the largest unaddressed risks in retirement planning: The number of Americans living to 100 is expected to quadruple by 2054, yet most retirement plans aren't built for 90 or 100-year lifespans. Yet despite this surge in longevity, new research from Nationwide Retirement Institute and The American College of Financial Services reveals a troubling disconnect: While lifespans are rising well into the 90s and beyond, financial planning hasn’t kept pace. As a result, millions face a growing risk...

July 4, 2025
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01Jul

Some 54% in Germany would work post-retirement to maintain lifestyle

Nearly 75% of people surveyed in Germany believe they will not be able to maintain their current standard of living when they retire, because their pensions will be insufficient and slightly more than half plan to keep working because of that. To maintain their standard of living, 54.3% of the of the 1,163 working respondents queried in a YouGov poll released on Monday, said they would be willing to work beyond the legal retirement age, mostly in part-time and up...

July 1, 2025
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June 2025
20Jun

Aging and Retirement Issues for LGBTQ+ People

By Society of Actuaries Research Institute The Society of Actuaries (SOA) Research Institute Aging and Retirement Strategic Research Program in collaboration with the Sexuality and Gender Alliance of Actuaries (SAGAA) is pleased to present this collection of essays that explore aging and retirement issues for LGBTQ+ people. This collection continues the Program’s dedicated effort to further advance the SOA’s organization-wide Diversity, Equity and Inclusion initiative. This includes its 2021 companion essay collection on aging and retirement issues for people of different races and ethnicities. Our...

June 20, 2025
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19Jun

Enabling Entrepreneurship and Job Creation Through Social Protection in the Democratic Republic of Congo (DRC)

How can social protection programs in the Democratic Republic of Congo (DRC) be transformed into powerful engines for entrepreneurship, job creation, and income diversification? This question is explored here by examining innovative social protection initiatives through real-life success stories that are driving inclusive and sustainable economic growth across the country. The DRC stands at a critical juncture today, facing rapid demographic growth and severe economic challenges. The population is getting close to 100 million people, about 73.5% of whom live...

June 19, 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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May 2025
30May

The Early Retirement Gap: Does Job Satisfaction Matter Less for the Self-Employed?

By Raquel Justo, Adrian Merida & Juan A. Sanchis-Llopis Understanding the drivers of early retirement is increasingly important in the context of aging populations and growing concerns over pension sustainability. While extensive research has examined the retirement behavior of paid employees, the self-employed, who operate under distinct work arrangements and institutional contexts, remain comparatively understudied. This work examines whether job satisfaction influences actual retirement behavior differently for self-employed individuals and paid employees. Leveraging longitudinal data from the Survey of Health, Ageing...

May 30, 2025
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