October 2025
13Oct

US. New IRS Rule Will Reshape 401k Contributions for Millions of Workers

A new rule issued by the IRS will alter how higher-income Americans approaching retirement can save in their 401(k) and other tax-deferred workplace retirement plans. The regulation comes from the SECURE 2.0 Act of 2022 and is scheduled to take effect at the start of the 2026 tax year. According to reporting by CNN, the change introduces new conditions on catch-up contributions for individuals who earned $145,000 or more in the prior year. These contributions will be redirected into Roth...

October 13, 2025
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10Oct

US. Residence-Based Tax: Social Security, Pensions And 30% Withholding

The endorsement of an elective residence-based taxation model by former IRS Commissioner Charles Rettig and former IRS Commissioner Counselor Tom Cullinan, covered in my earlier Forbes article, has sparked important discussions about fairness for Americans abroad. Their piece highlights the burdens of America’s citizenship-based tax system and calls for a shift to treat expats more equitably. An astute reader recently emailed me and our correspondence hammered out that details matter in an RBT model, especially for older expats. What happens...

October 10, 2025
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09Oct

US. CalSTRS Forms Climate Co-Investment Partnership With Carlyle Alpinvest

The California State Teachers’ Retirement System is partnering with Caryle Alpinvest to expand the $374.3 billion pension fund’s ability to access co-investment climate solution opportunities, Carlyle Alpinvest announced Tuesday. “This partnership is designed to expand CalSTRS’ ability to invest alongside private equity managers in climate solution opportunities beyond CalSTRS’ direct investment program,” Carlyle Alpinvest stated. Carlyle Alpinvest is a specialist subsidiary of the Carlyle Group.  Alpinvest reports $97 billion of assets under management, the Carlyle Group manages $465 billion in total, including...

October 9, 2025
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08Oct

Top U.S. union warns Senate crypto bill could threaten workers and pensions

The nation’s biggest labour federation, the AFL-CIO, has come out against the Senate’s crypto regulation proposal, arguing that the measure lacks sufficient worker protections and could endanger financial stability. AFL-CIO director Jody Calemine wrote, referring to the RFIA bill, “This bill’s treatment of crypto assets poses risks to both retirement funds and to the overall financial stability of the U.S. economy. As drafted, this bill will enable the crypto industry to operate in wider and deeper ways in our financial...

October 8, 2025
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08Oct

Macroeconomic Conditions Continue to Drive Pension Risk Transfer

Amid ongoing market conditions and economic uncertainty, U.S. plan sponsors are moving decisively to reduce pension risk. According to the newly released MetLife’s 2025 Pension Risk Transfer (PRT) Poll, a record 94% of defined benefit (DB) pension plan sponsors with de-risking goals intend to fully divest their pension liabilities with 80% planning to do so within five years. The company’s latest research shows market volatility is driving plan sponsors to de-risk, which, coupled with economic trends and stronger plan funding, is...

October 8, 2025
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03Oct

Part-Time Penalties and Heterogeneous Retirement Decisions

By Kanta Ogawa Older male workers exhibit diverse retirement behaviors across occupations and respond differently to policy changes, influenced significantly by the part-time penalty—wage reduction faced by part-time workers compared to their full-time counterparts. Many older individuals reduce their working hours, and in occupations with high part-time penalties, they tend to retire earlier, as observed in data from Japan and the United States. This study develops a general equilibrium model that incorporates occupational choices, endogenous labor supply, highlighting that the...

October 3, 2025
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02Oct

US. Amid Higher Funded Status, Pension Plans Consider Their Options

The assets of the 100 largest corporate defined benefit pension plans rose by $8 billion in August to $1.29 trillion, and the funded ratio of DB plans increased for the fifth consecutive month to 106.2%, according to data from Milliman. “[The current level of funding] is a significant milestone in the DB space, as the surplus funding gives plan sponsors more options for how to proceed with their plan, whether they want to continue operating their plan on a [liability-driven investment]...

October 2, 2025
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02Oct

US. How Government Shutdown affects benefits & retirement

With a possible government shutdown looming, federal employees and retirees are asking questions of how it affects their pay, leave and annuity payments. Below are a some frequently asked questions from the Office of Personnel Management’s most recent Guidance for Shutdown Furloughs. Federal Benefits 1. What happens if agency employees responsible for processing Federal Employees Health Benefits (FEHB) or Federal Employees’ Group Life Insurance (FEGLI) transactions are furloughed? A. Agencies will continue to process FEHB and FEGLI transactions during a lapse in appropriations....

October 2, 2025
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01Oct

US. Gig economy helps power economy, but its workers can’t retire

America is fast approaching a historic milestone. By 2027, freelancers will make up more than 50 percent of the workforce, marking a fundamental shift in the U.S. labor market. Yet many of these workers will have no retirement plan. According to the Pew Research Center, only 13 percent of single-person business owners are saving for retirement compared to almost three-fourths of Americans in traditional jobs. That leaves tens of millions of freelancers and independent workers at risk, just as other...

October 1, 2025
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September 2025
30Sep

Cómo manejar tu AFORE desde Estados Unidos: guía completa para mexicanos

Si eres mexicano y vives en Estados Unidos, tu AFORE sigue siendo tuya. En esta guía práctica te explicamos cómo localizarla, hacer aportaciones voluntarias, seguir cotizando al IMSS y cobrar tu pensión desde el extranjero, paso a paso y con teléfonos útiles. ¿Qué es un AFORE y por qué importa desde el extranjero? Un AFORE es una Administradora de Fondos para el Retiro. Ahí se deposita el dinero que aportan tu empleador, el gobierno y tú mismo mientras trabajas en México. CONSAR...

September 30, 2025
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