February 2026
06Feb

Retirement Survey & Insights Report 2025. New Economics of Retirement: New Solutions Provide a Ray of Hope

By Goldman Sachs In our annual Retirement Survey & Insights Report, we are pleased to present findings that may challenge conventional wisdom about retirement preparedness in America. While many acknowledge the looming retirement crisis, the traditional advice to simply save more may fail to account for the complex and evolving realities faced by millions of Americans. This year’s report introduces the "new economics of retirement,” as we grapple with the question “does the retirement math still work?” The report illustrates how rising costs...

February 6, 2026
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March 2025
10Mar

Most young Brits have no pension plan… despite hoping to retire EARLY

Millions of young Brits have zero pension plan despite believing they will retire young and be easily able to travel the world, new research has revealed. The damning YouGov findings by savings and investment business M&G have shown that more than three quarters of 18 to 24 year olds, alongside nearly half of 25 to 34 year old's, have not started making a financial plan for their post-work life. However, a substantial number of the 2,000 young people surveyed said that...

March 10, 2025
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February 2025
28Feb

UK Pension Fund Pulls £28bn From State Street Amid ESG Policy Divisions

The People’s Pension, the UK’s largest commercial master trust, has withdrawn £28bn from State Street, prioritizing sustainability, active stewardship, and long-term value creation. The fund awarded a £20bn equity mandate to Amundi and £8bn in fixed-income assets to Invesco, both sharing the People’s Pension’s commitment to responsible investment. This decision comes amid the European Commission’s recent Omnibus package, which narrows corporate sustainability reporting legislation in the EU, and a retreat from ESG initiatives by US firms under the Trump...

February 28, 2025
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27Feb

‘Unique financial pressures’ threaten Gen Z retirement prospects

"Unique financial pressures" are threatening the retirement prospects of Gen Z (ages 18-29), according to a new report from the Pensions Policy Institute (PPI) The report, The Concerns of Gen Z, found that despite "universal benefits" from automatic enrolment (AE) in workplace pension schemes, young people's ability to save is being constrained by economic uncertainty, high student debt, unaffordable housing, and changing employment patterns. According to the report, these pressures have led many to prioritise short-term financial flexibility, often at the expense of...

February 27, 2025
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07Feb

Smaller than We Thought? The Effect of Automatic Savings Policies

By James J. Choi, David Laibson, Jordan Cammarota, Richard Lombardo & John Beshears Medium- and long-run dynamics undermine the effect of automatic enrollment and default savings-rate auto-escalation on retirement savings. Our analysis of nine 401(k) plans incorporates the facts that employees frequently leave firms (often before matching contributions from their employer have fully vested), a large percentage of 401(k) balances are withdrawn upon employment separation, and many employees opt out of auto-escalation. Steady-state saving rates increase by 0.6% of income due to automatic enrollment and...

February 7, 2025
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07Feb

Philippines. Funding your future: The road to retirement income

"SOCIAL security will cover most of my retirement expenses and I can fully rely on my company's retirement plan to further support me. Additionally, I can live comfortably on a smaller budget in retirement." While these thoughts are common when people think about retirement income, it is important to consider whether they might be too optimistic, as they could lead to complacency and hinder adequate preparation for retirement. The Mercer CFA Institute Global Pension Index (GPI), launched in 2009, is...

February 7, 2025
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January 2025
31Jan

Household Saving in Japan: The Past, Present, and Future

By Charles Yuji Horioka This paper explores the determinants of the level of, and trends over time in, Japan’s household saving rate, with emphasis on the impact of the age structure of the population, and makes projections about future trends therein. The paper finds that Japan’s household saving rate has not always been high either absolutely or relative to other countries and that it was only during the 1961-86 period that it exceeded 15%. Past and future trends in Japan’s...

January 31, 2025
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24Jan

2024 BlackRock Read on Retirement

By BlackRock Retirement. It’s deeply personal. And yet, many of the challenges workers face are common and shared. The relationship someone new to the workforce has with retirement is likely very different than that of someone later in their career. Layer in factors like individual experience and a lack of access to the right tools, opportunities and guidance… and suddenly the path can get complex. But we’re rethinking retirement – because it doesn’t have to be. Get the report here.

January 24, 2025
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24Jan

Influencing Retirement Savings Decisions with Automatic Enrollment and Related Tools

By John Beshears, James J. Choi, David Laibson & Brigitte C. Madrian Historically, retirees in the US relied on the “three-legged stool” of Social Security, defined benefit (DB) pension plans, and personal savings to provide retirement income.1 Beginning in the late 1970s, however, access to DB plans began to fall while access to defined contribution (DC) plans, which require individuals to make their own savings plan contributions and investment decisions during their working years, rose.2 As of December 2023, retirement assets in...

January 24, 2025
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November 2024
29Nov

UK. Retirement planning tops financial advice demand but not a priority until age 55

Planning to achieve a comfortable retirement tops clients’ financial advice ‘wish lists’ over the next six months, but the peak age for it being an advice priority is not reached until the age of 55, according to research from St. James’s Place (SJP). Its study showed that the top three advice priorities in the UK were retirement planning advice, general investment and savings advice, and better budgeting. However, SJP found there was a “large generational divide” as cost of living and...

November 29, 2024
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