October 2025
29Oct

US. After 4 Weeks, How the Government Shutdown Is Affecting Retirement Plans

On Tuesday, Day 28 of the government shutdown, federal agencies and departments were unable to make important updates that, if delayed much longer, could affect retirement plans and their participants. The Internal Revenue Service, for example, operated as normal in the early days of the shutdown, but eventually needed to furlough employees and to further reduce operations as the government closure dragged on. As it stands now, the agency is unable to publish critical information that normally would be released in fall....

October 29, 2025
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28Oct

US. Are Workers Warming Up to In-Plan Annuities?

“Today, 40 percent of retirees have access to a pension plan. The numbers go down substantially each generation,” Hodgens says. “Just 24 percent of Gen X workers have access to a pension, and only 16 percent of millennials will have a pension.” He and other financial professionals say recent federal legislation focused on retirement security could help fill the pension gap. The Setting Every Community Up for Retirement Enhancement (SECURE) Act, passed in 2019, and SECURE 2.0, which followed three...

October 28, 2025
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28Oct

Rising birth rates no longer tied to economic prosperity

Fertility rates began falling in most of the world starting in the last century. By the 1970s, the U.S. had dipped under the replacement rate of 2.1 children per woman, a trend that has continued on a declining slope. In her new working paper, “The Downside of Fertility,” Claudia Goldin, the Henry Lee Professor of Economics, takes a deeper dive into the cultural changes around gender that are driving down fertility rates. The economic historian and 2023 Nobel laureate introduced a model in a previous...

October 28, 2025
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24Oct

US. AIC Celebrates National Retirement Security Week 2025

The American Investment Council (AIC) today proudly joins in celebrating National Retirement Security Week (October 19–25) by highlighting how private equity investments strengthen retirement security for millions of Americans across the country. “Retirement systems and public pension funds nationwide continue to rely on private equity because it has outperformed every major asset class over the long term, offering steady, diversified, and robust returns,” said Will Dunham, President and CEO of the American Investment Council. “The recent Executive Order democratizing retirement...

October 24, 2025
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23Oct

Millennials en EE.UU.: entre el sueño de la casa propia y una jubilación segura

Los millennials estadunidenses están viviendo una encrucijada financiera que define su futuro: elegir entre comprar una vivienda o asegurar una jubilación estable. Un estudio de Advisor Authority, respaldado por el Nationwide Retirement Institute, revela que 58% de los inversionistas millennials siente que debe decidir entre ser propietario y ahorrar para su retiro. Con precios de vivienda que crecen más rápido que los salarios, esta generación enfrenta un entorno económico muy distinto al de sus padres, en el que la casa...

October 23, 2025
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22Oct

US. Corporate Pension Funding Ratios Hit Highest Level Since 2007

The funded ratio for the largest 100 corporate defined benefit plans improved to 106.5% in September, the highest level since October 2007 (108.1%) and up from 106.3% in August, according to Milliman’s pension funding index. September’s market returns of 2.5% added $26 billion to the market value of plan assets and swelled the funding status surplus to $80 billion last month. Meanwhile, discount rates dropped 17 basis points to 5.36%, which raised plan liabilities by $22 billion. During the third...

October 22, 2025
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22Oct

A Closer Look at the Retirement Prospects of the Middle Class

Representing more than half of the U.S. population, people in the middle class embody the American dream by working hard, caring for their families, and saving for the future while navigating an ever-changing economy and society. So how are they addressing these complexities? In “Retirement Throughout the Ages: The American Middle Class,” the Transamerica Center for Retirement Studies (TCRS) in collaboration with Transamerica Institute examines the road to retirement for people in the middle class across age ranges, their life...

October 22, 2025
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21Oct

US. Options for Overfunded Pension Plans

You’ve done a good job making sure that the pension plan is fully funded. So good, in fact, that you — and the plan — are overachievers and the plan is fully funded and then some. And THAT surplus spells…opportunity. The Grist Funding of pension plans generally has been on an upward trajectory for a number of years. The improvement in funded status has been dramatic, yet incremental. Willis Towers Watson’s figures show as much: they show that the funding of a hypothetical benchmark...

October 21, 2025
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20Oct

US. The Full Retirement Age Hits 67 in 2026–Here’s How To Avoid a 30% Benefit Cut

Social Security may have been created in 1935, but it’s a very dynamic system. Changes are made to the program every year, from the amount of the cost-of-living adjustment to more fundamental modifications. One “change” coming in 2026 that may seem sudden has actually been on the books since 1983, according to the Social Security Administration. But it’s an important one to be aware of because it could translate to a reduction in your Social Security check. Here’s what to know...

October 20, 2025
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17Oct

Evolution and Growth: How Public Pension Plans Have Diversified Their Investments Amid Changing Markets

By John Sullivan, Katie Comstock & Tyler Bond A report from the National Institute on Retirement Security (NIRS) and Aon examines the changes public pension plan investing has undergone throughout the twenty-first century. After decades of investing primarily in bonds and other fixed income assets, public pension plans have shifted to more diverse investment portfolios, which enabled these funds to grow, deliver reliable benefits, and withstand market turmoil during and after the 2008 Global Financial Crisis (GFC). These findings are detailed in a...

October 17, 2025
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