June 2025
23Jun

‘Good news’: Australians tipped to be $125k better off in retirement

The average young Australian is tipped to be $125,000 better off in their retirement simply by staying in the workforce, a major superannuation fund reveals. Australian Retirement Trust says the rise in the superannuation guarantee over the last five years is “good news” for Australian workers who will have more in their retirement nest egg. Under changes to the superannuation guarantee proposed by the Rudd government and enacted by the Morrison government, every working Aussies superannuation rate automatically went from 9.5...

June 23, 2025
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19Jun

UK. HoL committee raises concerns over potential mandation and regulatory overlaps

An increase in savings into pension funds may increase the amount of investment available for productive assets, the Financial Services Regulation Committee has found, although concerns around mandating pension fund investments remain. As part of its inquiry on the progress made in driving UK regulators to support growth, both in the financial services sector and in the wider UK economy, the committee received evidence suggesting that the UK pension sector is "fragmented" and underinvests in productive domestic assets due to...

June 19, 2025
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04Jun

Decumulation dilemmas: What are they and how to navigate them?

The investment lifecycle from accumulation to decumulation comes with many dilemmas but there are four key challenges in particular, according to Olivia Geldenhuys, head of investment specialists at Tatton Investment Management Speaking at the Personal Finance Society roadshow today (June 3), Geldenhuys explored strategies for managing risk and protecting portfolios during market downturns. She outlined there are four key challenges when it comes to decumulation which are: longevity risk, sequence of returns, inflation erosion, and behavioural biases. “Your role as a financial...

June 4, 2025
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03Jun

Study Shows Value of Personal Savings in Retirement

A recent national study validates the importance of having personal savings as a primary source of income in retirement. According to the study, personal savings (including individual retirement accounts and other investment accounts) are expected as a primary source of retirement income by government workers in the education (74%), public safety (78%), health and human services (75%), and other state/local government (73%) sectors. Along with a WRS pension, a supplemental retirement savings plan like the Wisconsin Deferred Compensation Program (WDC) is equally important for...

June 3, 2025
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02Jun

Sweden. Market turbulence is evident in insurance and occupational pension companies’ capital investments

During the first quarter of 2025, the market value of insurance and occupational pension companies' investment assets decreased to SEK 7,646 billion, from SEK 7,836 billion at the end of the previous quarter. Compared to the first quarter of 2024, the market value has increased 1,5 percent from SEK 7,530 billion. The quarter in brief ”Market turbulence over the past quarter has led to lower capital investments, especially in shares”, says Malcolm Svensson Rothmaier, economist at Statistics Sweden. In the...

June 2, 2025
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May 2025
30May

Annual survey on financial incentives for retirement savings. Country profiles 2024

By Organisation for Economic Co-operation and Development Countries provide financial incentives to encourage individuals to save for retirement in asset-backed pension plans. Financial incentives for retirement savings can take the form of tax incentives, which are indirect subsidies through the tax code, or non-tax incentives, which are direct government payments into pension accounts. This annual survey provides an overview of the tax treatment of retirement savings and covers non-tax incentives to promote retirement savings in OECD countries and four accession...

May 30, 2025
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29May

US. PensionBee Launches SEP IRAs To Include Non-Traditional Retirement Savers

PensionBee, a leading online retirement provider, announced today the launch of Simplified Employee Pension (SEP) IRAs in its digital platform. This offering provides a best-in-class retirement solution designed for self-employed individuals. Self-employed Americans consistently report lower levels of retirement preparedness. Only about 13% of self-employed individuals in single-person businesses participate in retirement plans, compared to nearly 72% of traditional employees. The launch comes at a critical time as the gig economy continues its rapid expansion. By 2025, gig workers are expected...

May 29, 2025
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14May

US. Bill Would Lower Retirement Plan Eligibility Age to 18

Senators Bill Cassidy (R-LA.) and Tim Kaine (D-VA.) have re-introduced the Helping Young Americans Save for Retirement Act. The bill was previously introduced last Congress in November 2023. Much like last time, the bill would reduce the participation age in ERISA-governed plans, currently set at 21 years old, to 18 years old. The purpose of the bill is to expand retirement savings to younger workers. ERISA plans would still be permitted to set a minimum age that is younger than 18. Employees...

May 14, 2025
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08May

UK. Pension savers urged not to panic despite potential impact of volatility on DC savings

Defined contribution (DC) pension savers could see their potential retirement income fall by up to 20 per cent as a result of market volatility seen following the introduction of US tariffs, although those in defined benefit (DB) schemes are unlikely to be affected, research from the Society of Pension Professionals has revealed. The SPP acknowledged that, in the wake of US President, Donald Trump, announcing new import taxes on goods from almost every country, the economic turbulence felt across the...

May 8, 2025
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06May

UK. State pension top-up payments ‘could take months’ to reach pensioners

Pensioners who have topped up their National Insurance records have been issued a warning as they could potentially face a months-long wait for their state pension increases. The surge in state pension top-ups has reportedly resulted in a six to eight-month delay in processing payments. This year marked the final deadline for topping up state pension payments through voluntary National Insurance contributions. Under existing rules, you require 35 qualifying years on your National Insurance record - some individuals may need more...

May 6, 2025
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