March 2026
04Mar

US retirees are trading the 4% rule for the ‘bucket strategy.’

For decades, retirees have followed the guideline to withdraw 4% of their investment portfolio each year in retirement. This maximum withdrawal rate was believed to be a sure-fire method for stretching retirement income for 30 years or more. One of the rule’s big advantages is its simplicity, but simple doesn’t always mean better. Given how unpredictable the economy has become, the so-called 4% rule is seen as outdated, with outfits like Morningstar recommending withdrawal rates between 3.3% and 4% depending...

March 4, 2026
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03Mar

The Typical American’s Retirement Savings Is Shockingly Low—Here’s What To Do About It

Many American workers don't have enough retirement savings. Among American workers aged 21 to 64 with any defined contribution savings, the median balance was $40,000, according to 2023 Census data recently analyzed by the National Institute on Retirement Security.1 When the researchers included workers without retirement savings, the median amount saved in defined contribution plans was a paltry $955. Retirement in the U.S. is often described as a three-legged stool, with people relying on Social Security, pensions, and individual retirement savings. But fewer workers have pensions....

March 3, 2026
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02Mar

US. Trump propone nuevas cuentas de jubilación con $1,000 adicionales al año

urante su discurso sobre el estado de la Unión del pasado martes, el presidente Donald Trump planteó la posibilidad de crear nuevas cuentas para el retiro, independientes de los conocidos planes 401(k). Lo que más llamó la atención de la propuesta es el objetivo de que el gobierno agregue $1,000 dólares cada año para solucionar la “gran disparidad” que hay en el sistema de jubilación de los Estados Unidos. De acuerdo con el presidente Trump, aproximadamente 56 millones de estadounidenses carecen de...

March 2, 2026
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02Mar

US. Indiana prepares to put bitcoin in its public retirement plans

Indiana lawmakers approved a bill allowing public retirement and savings plans to invest in digital assets and spot crypto ETFs, with Gov. Mike Braun expected to sign it soon. The move places Indiana among at least 21 states that are investing in or evaluating bitcoin and other digital assets for public funds, in line with the President of the US push to expand crypto holdings in the country. In a separate measure, Indiana legislators voted to ban crypto ATMs statewide after...

March 2, 2026
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02Mar

Europe must close the rights gap for migrants and asylum seekers with disabilities

Migrants and asylum seekers with disabilities continue to face systemic exclusion from protection, support, and integration systems across the European Union, despite the EU’s human rights obligations. In response, IRAP and EDF have jointly launched a new policy brief, “A Pact That Excludes: Closing the Protection Gap for Migrants and Asylum Seekers with Disabilities in the European Union,” showing that EU migration and asylum systems remain largely inaccessible and discriminatory for people with disabilities. This briefing analyses the EU Pact on Migration and...

March 2, 2026
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February 2026
25Feb

US President announces new retirement plan at State of the Union

President Trump announced during his State of the Union address Tuesday night plans to offer Americans access to a retirement account similar to those available to federal workers. Why it matters: There are roughly 50 million Americans without employer-sponsored retirement plans, like 401(k)s, and there's been growing bipartisan interest in expanding access. What he's saying: Trump said he would offer Americans who don't have 401(k)s or other employer-based retirement accounts "access to the same type of retirement plan offered to every federal worker." "We will match your...

February 25, 2026
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25Feb

CalPERS appeals for ‘strong’ GPs in current political climate

California Public Employees’ Retirement System needs “strong” GPs to endure political opposition to climate and sustainability investments, according to CEO Marcie Frost. “We are getting a little more demanding about the capital, making sure that we have more values alignment,” Frost said during a keynote interview at PEI Group’s NEXUS 2026 in Orlando on Tuesday. “We need our GPs to be strong. We need our GPs to withstand the political pressures that they’re getting in addition to the political pressures that CalPERS continues to...

February 25, 2026
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24Feb

US. Retirement Asset Ownership Is Widespread Among Gig-Worker Households

As the gig economy has grown, so too has concern that a workforce increasingly made up of freelancers, independent contractors, and app-based workers is falling through the cracks of the US retirement system. Because gig workers can sometimes lack access to employer-sponsored plans, they are often portrayed as disengaged from long-term savings and at a heightened risk of financial insecurity in retirement. These assumptions have shaped policy debates, media coverage, and calls for reform, often treating gig work itself...

February 24, 2026
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20Feb

The Shift from Traditional Pensions to 401(k)s: Retirement Risks and the Timing of Retirement

By Rosemary Kaiser, Xiaohui sun & Yang Xuan U.S. retirement plans have shifted sharply from defined benefit to defined contribution setups. How has this change affected retirement and savings behavior? We develop a quantitative life-cycle model where retirement plans differ in their exposure to longevity and investment risk. Holding the present-value cost of benefits fixed, these differences generate distinct savings and retirement incentives across plan types. The model replicates observed differences in savings and retirement behavior and implies that the...

February 20, 2026
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20Feb

How to bring gig workers into the pension system

Policymakers should consider successful efforts in other countries to bring “informal” workers into pension saving as part of the effort to address the global adequacy problem, according to major new research. A report by the Coller Pensions Institute and D3P Global has listed 20 recommendations for improving access to pension savings for ‘gig’ workers, who work short-term flexible jobs. The institute’s analysis indicates that “informal” workers – including market traders, taxi drivers, and domestic help workers – now make up more...

February 20, 2026
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