April 2026
29Apr

Gambling for Retirement: The Economics of Savings Lotteries

By Jared Gars, Justin Holz, Rodemeier & Juan Miguel Villa Governments frequently use lottery-like incentives to encourage socially desirable behavior ("Pigouvian lotteries"). We study lotteries that encourage retirement savings in a nationwide field experiment with over 380,000 participants in Colombia's public pension system. Lotteries increase savings during the qualification period, but this effect is almost entirely offset by subsequent declines in savings, as workers strategically shift the timing of deposits. Lotteries also crowd out demand for valuable life and disability...

April 29, 2026
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21Apr

Retirement is getting out of reach for younger Filipinos

Filipinos are significantly underprepared for their later years, according to a new study by Insular Life Assurance Co. (InLife), which suggests that traditional savings accounts are no longer sufficient to guarantee a worry-free retirement. The inaugural InLife Retirement Index returned a score of 47 out of 100, highlighting a gap between the aspiration of a comfortable old age and the practical financial measures required to achieve it. The index evaluated readiness across six metrics: life stage, personal finances, health, pension participation,...

April 21, 2026
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17Apr

How Will AI Affect Financial Planning for Retirement?

By Luke Delorme  I recently attended a financial advisor conference focused on artificial intelligence. Drawing on what I learned, this post summarizes my thoughts on how AI may reshape financial planning for retirement savers. Spoiler alert: I think it has great potential to help both advisors and individuals. The first iteration of AI tools has already improved retirement planning. For example, forward-thinking advisors are currently using AI note-taking tools, which allow advisors to listen more closely to their clients without missing...

April 17, 2026
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16Apr

New Research Points to Lifetime Income as the Missing Link to Global Retirement Security

Today, during the Spring IMF World Bank Meetings, Prudential Financial, Inc. (NYSE: PRU) unveiled new global research conducted by the Global Aging Institute (GAI) showing that while retirement savings have grown in many countries, most systems still leave individuals on their own to manage the risk of outspending or outliving their savings. The study concludes that lifetime income can significantly strengthen retirement security, helping people spend more confidently while reducing the overall cost and strain on retirement systems. The Case for Lifetime...

April 16, 2026
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15Apr

US. Retirees are facing a $345,000 bill they never saw coming — and most aren’t prepared

Advances in medicine have extended the “golden years” for many retirees—also increasing the number of years retirement savings must support everyday living expenses. Those added years can carry a significant price tag in the form of rising healthcare costs. Recent studies suggest healthcare can become a six-figure retirement expense, even for people who do “everything right.” Yet planning lags. A recent D.A. Davidson survey of U.S. adults found that while 8 in 10 are concerned about healthcare costs in retirement,...

April 15, 2026
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15Apr

Plugging the Retirement Planning Gap for the Middle Wealthy

As retirement inches closer — when it's, say, five to 10 years away — it's likely you'll have mixed feelings of nervousness and excitement. You've saved diligently, your 401(k) has grown and you may even be ahead of schedule. But you may still be wondering, "What's next?" The truth is, the closer you get to retirement, the more complicated the answers can become. At this stage, retirement planning is no longer just about investment performance and building up your savings. Rather, it shifts...

April 15, 2026
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March 2026
27Mar

US. How to Recession-Proof Your Retirement Income Before 2026 Ends

Will a recession hit in 2026? At this point, that's anyone's guess. But between the oversees conflict, tariff policies, and general uncertainty, it's easy to see why some people may be worried about the economy taking a serious turn for the worse. Recessions can hit workers harder than retirees because they often lead to an uptick in lost jobs. If you're retired and aren't working, you at least don't have to worry about losing your job. And even if you're working...

March 27, 2026
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24Mar

Longevity wake-up call for younger generations

New study shows Gen X and Millennials face rising mortality rates, signaling an urgent need for longevity-focused solutions. For decades, Americans have been living longer, but recent trends suggest that this upward march may be stalling, and for some generations, it’s moving in reverse. A new study tracking cause-of-death data from 1979 to 2023 highlights a worrying pattern: people born between 1970 and 1985 – late Gen Xers and early Millennials – are experiencing higher mortality rates than the generations...

March 24, 2026
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23Mar

US. Retirement Plan Coming Up Short? Here’s How to Buy Yourself More Time

On this episode of The Long View, Emily Guy Birken, author and retirement expert, discusses key steps for investors as they get closer to retirement, how Social Security can help with retirement shortfalls, and lessons from her latest book, The Five Years Before You Retire. Here are a few excerpts from Guy Birken’s conversation with Morningstar’s Christine Benz and Amy Arnott. How to Bridge a Retirement Shortfall Amy Arnott: What if you find yourself in a situation where you’re approaching retirement and it looks like you really won’t have enough to...

March 23, 2026
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February 2026
24Feb

U.K. Pension savers increasingly turning to AI when starting retirement planning

Pension savers are increasingly turning to artificial intelligence (AI), rather than financial guidance or advice websites, to begin their retirement planning, according to PensionBee. The pension provider analysed data on Google keyword searches and traffic to free advice websites, and found that AI was increasingly satisfying the typical, early-stage needs of pension holders when they start to consider pension and retirement options. It noted that the rise of ‘AI Overviews’ may be reducing the need to go direct-to-source for important information...

February 24, 2026
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