July 2025
11Jul

Addressing the Challenges for Asset-backed Pensions in Indonesia

By Organisation for Economic Co-operation and Development This report assesses the challenges to ensuring adequate benefits in retirement for the Indonesian population. The design of the asset-backed pension system aims to help individuals to accumulate resources to finance their retirement. However, the rules of the system may not help achieve the desired objectives, appropriate schemes or vehicles may not always be available and individuals may not necessarily make use of those available. This can lead to retirement savings gaps that...

July 11, 2025
Books, Books, Pension Management, Reports, , , , ,
Read more...
07Jul

US. What’s in your 401(k)? Why boomers and Gen X really need to know.

Your target-date fund might have the wrong mix for you, and new alternatives could be risky As stock and bond markets have whipsawed this year, you may be afraid to look at your 401(k) account balance. But all of the volatility actually makes this an opportune time to look under the hood of your 401(k) if you're nearing retirement or already there. The conventional retirement-investing advice is to "set it and forget it" - but at this stage of life, you...

July 7, 2025
News, ,
Read more...
03Jul

Tax-free pensions may spark a new era of savings for Kenya

The recently enacted Finance Bill 2025 has introduced sweeping changes to the country’s pension and tax framework that will effectively redefine retirement planning while offering much-needed relief to workers grappling with high inflation, constrained incomes, and economic uncertainty. At the heart of the law is a bold move; to make all pensions and gratuity payments, whether in the public or private sector, fully tax-exempt. This is a significant departure from the current regime, which taxes certain pension and insurance payouts,...

July 3, 2025
News, ,
Read more...
01Jul

UK. Increase in pension contributions would create tough times for small businesses

Small businesses would be forced into some tough trade-offs if pension contributions were to rise by 6%, according to a report by the Federation of Small Businesses (FSB). The vast majority (92%) of businesses would have to raise their prices, recruit fewer workers, cut profits or reduce the number of employees to cope with a doubling in pension contributions, the FSB said. The organisation called for a full economic assessment, along with a review of how workplace pension changes impact employers, before...

July 1, 2025
News,
Read more...

June 2025
24Jun

Japan proposes significant increases in defined contribution pension plan contribution limits

Japan is proposing various increases to contribution limits for both employer-sponsored defined contribution (DC) pension plans and individual defined contribution pension plans (iDeCo). These proposed changes aim to enhance retirement income security for participants and enable more individuals to contribute meaningfully to their pension savings. Background The Ministry of Finance included these changes as part of its proposed tax reforms for 2025. At this stage, the changes are still pending consideration and have yet to take effect. If finalized, the changes...

June 24, 2025
News,
Read more...
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
News, ,
Read more...
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
News, , ,
Read more...
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
News,
Read more...
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
News,
Read more...
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
News, ,
Read more...