September 2025
04Sep

As global longevity increases, how do we ensure workers and economies thrive?

Since becoming CEO of Mercer, I’ve travelled to more than 20 countries and met with C-suite executives and policy-makers worldwide. One topic they consistently bring up – and can universally relate to – is increasing longevity. That may surprise most people, but it doesn’t shock me. For years, Mercer has been following statistics on longevity. By 2050, the number of individuals aged 60 and older is projected to reach 2.1 billion – nearly double today’s figure. The rise is driven by significantly longer life...

September 4, 2025
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02Sep

US. Retirement Planning In 2025: What’s On People’s Minds

If retirement has been on your mind lately, you’re not alone. A record number of Americans are hitting retirement age this year, and it’s clear that rising living expenses and health care costs are giving many people pause. Whether you're approaching retirement or already settling into your golden years, now’s the time to check in on your financial game plan. Confidence Is Shaky And Inflation Is a Big Culprit According to Fidelity’s latest State of Retirement Planning study, just 67% of...

September 2, 2025
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01Sep

Global depopulation amidst gains in average longevity

A United Nations Department of Economic and Social Affairs (UN DESA) report titled “World Fertility 2024” shows a gradual decrease in global fertility. It says the global fertility rate in 2024 was 2.2 births per woman on average, down from about 5 in the 1960s, and 3.3 in 1990. It is projected to continue declining, reaching the replacement level of 2.1 in 2050, and falling further to 1.8 births per woman in 2100. “Trends in fertility, together with trends in...

September 1, 2025
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August 2025
13Aug

US. The Silver Tsunami: Navigating Retirement Risk in a Declining Financial Literacy Landscape

As the global population ages, a quiet crisis is unfolding: financial literacy rates among older adults have plummeted to below 60%, a stark drop from 69.5% in 2020. This decline, driven by cognitive aging, digital disengagement, and inadequate educational resources, is creating a perfect storm for retirement planning. With 78% of retirees underestimating their life expectancy and $28 billion in U.S. scam losses reported in 2023 alone, the stakes for long-term financial resilience have never been higher. The erosion of...

August 13, 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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July 2025
11Jul

US. How Much Should You Have Saved for Retirement If You Live To 100

Planning for retirement requires an effective strategy that covers everything, including inflation, long-term healthcare, vacations, debt, the uncertainty of Social Security, taxes, the unexpected and living expenses. What makes it even more challenging is people are now outliving their savings because life expectancy is longer. According to a new survey from Allianz Life, 64% of Americans, mostly Gen Xers, worry more about not having enough money to cover their lifetime than they worry about dying. While many fear about running out of...

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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June 2025
26Jun

Independence trumps longevity as top priority in aging: survey

Remaining independent and self-sufficient were among the top priorities of aging, along with having the financial resources to support themselves in retirement, for respondents to a new survey. CenterWell, the healthcare services segment of Humana, and Morning Consult surveyed 4,200 US adults on how they define a fulfilling life. According to the results, 78% of Americans aged 65 or more years said they would prefer independence as opposed to a longer life but having to depend on others. For survey-takers...

June 26, 2025
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