January 2026
09Jan

Pension Economics

By Torben M Andersen A coherent introduction to the economics of pensions is provided to give the reader insights in the many objectives addressed by pension systems and the design possibilities available. The text offers an in-depth overview of the literature and its main insights and conclusions with sufficient rigor to understand the basic mechanisms, but without excessive technical details, focusing on the intuition and implications of the results. The pros and cons of different pension schemes are discussed from...

January 9, 2026
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08Jan

US. What Retirement Savings Look Like for People Under 35

How Many People Under 35 Have Any Retirement Savings If you're in your 20s or early 30s, you may not be thinking much about retirement. Only about half of U.S. households with a reference person under age 35 had any money in retirement accounts in 2022, according to the latest available data from the Federal Reserve’s Survey of Consumer Finances. That makes young adults the working-age group that's the least likely to have dedicated retirement savings.1 This makes sense, of...

January 8, 2026
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December 2025
22Dec

Over half of UK savers relying on non-pension assets for retirement

Over half (57 per cent) of UK pension savers are building up retirement savings outside of their pension, with a heavy reliance on cash, raising concerns about long-term outcomes, research from Interactive Investor has revealed. The investment platform found that adults were saving for retirement outside of a pension, using a mix of cash savings, stocks and shares ISAs, buy-to-let property and other investments to build long-term wealth. While the trend points to broader engagement with retirement saving, the findings highlighted...

December 22, 2025
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19Dec

Retirement by the Numbers: How participant behavior and glide path design can drive stronger retirement outcomes

By JPMorgan  How are participants interacting with their defined contribution retirement plans, and what are the implications for target date fund glide path design? For more than two decades, J.P. Morgan Asset Management has closely examined this question, analyzing real-world saving and spending patterns to provide actionable insights into how to help more people achieve the retirement they’ve earned. Retirement by the Numbers offers a unique view of how participants save, invest and spend throughout their working lives and retirement, leveraging...

December 19, 2025
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16Dec

US. Retirement Accounts Are The Country’s Emergency Funds

The Charade That “Retirement” Accounts Are For Retirement It’s time we stop the charade. Congress should rename 401(k)s and IRAs what they really are: "Emergency Savings Accounts for the Poor and Middle Class." Because that’s how they function for the bottom 90% of American workers. A new Employee Benefit Research Institute (EBRI) report confirms what retirement experts have long understood: Americans are draining their 401(k)s to survive today, sacrificing tomorrow's security. The study reveals where borrowed retirement dollars actually go—not toward...

December 16, 2025
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16Dec

Nigeria. 92.4% of Personal Pension accounts unfunded despite push

Industry data indicate that the majority of the Retirement Savings Accounts under the rebranded Personal Pension Plan were largely unfunded, marking a glaring disparity between registration and actual contribution within the micro-pension scheme. This is against the backdrop of Nigeria’s pension industry recording a 5.93 per cent increase in its Total Net Asset Value to N26.09tn as of the end of the third quarter from N24.63tn in June 2025, driven by strong investment returns in equities and government securities. The PPP...

December 16, 2025
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09Dec

US. 3 Big Changes for Retirement Planning in 2026

Provisions in Secure 2.0, OBBBA affect retirement savers and retirees. For retirement savers and retirees, the ringing in of the new year will bring more than the usual inflation adjustments to retirement contributions. The retirement legislation known as Secure 2.0 will also continue to phase in, bringing implications for retirement savers. In addition, the budget law known as the One Big Beautiful Bill Act has impacts for retirement savers and retirees. Here’s a roundup of three key retirement-related changes to watch...

December 9, 2025
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08Dec

Major Changes To U.S. Pensions Being Considered By Congress

Congress is considering major changes to U.S. pensions after a new bill was introduced this week. The proposal, put forward by Democratic Representative Eugene Vindman of Virginia, seeks to make it easier for Americans to build emergency savings without sacrificing their retirement security. Why It Matters Vindman’s Congressional bill would modify eligibility rules and raise contribution limits for pension-linked emergency savings accounts—programs that allow workers to set aside funds for unexpected expenses alongside their retirement savings. If enacted, it could reshape how millions of employees prepare for financial shocks, offering a safety...

December 8, 2025
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02Dec

US. What Young People Need to Know About Workplace Retirement Savings

Workplace retirement savings plans are an excellent way to invest in your future, and the earlier you start, the more opportunity your savings have to grow. Typically automated through payroll deductions, contributions to a plan like a 401(k) or 403(b) are tax-advantaged and easy to make. Recent research by Edward Jones and Morning Consult shows that three in five Americans who have access to a workplace retirement plan contribute, however 59% of all Americans’ employers do not offer one, leaving...

December 2, 2025
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November 2025
28Nov

UK Budget 2025: limitations on pensions salary sacrifice will lead to ‘cut-backs’

Plans by the UK government to charge employer and employee national insurance contributions (NICs) on salary sacrificed in exchange for employer pension contributions above £2,000 from 2029 will leave future pensioners facing lower funds, according to an expert. Pensions salary sacrifice describes an arrangement where, instead of paying contributions directly to their pension, an employee contractually agrees with their employer to give up part of their salary or bonus in return for the employer paying an equivalent amount into their...

November 28, 2025
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