October 2025
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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29Sep

US. New Government Research Finds Strong Private Sector Retirement Plan Coverage

The Bureau of Labor Statistics has released its latest monthly report on employee benefits in the United States, and retirement benefit coverage for workers specifically. As of March 2025, the latest month for which measurable results are available, the Bureau found that retirement benefits were available to 72 percent of private industry workers. Notably, 70 percent of private sector workers had access to defined contribution plans, and 14 percent had access to defined benefit plans. Among private sector workers, the research found that 59...

September 29, 2025
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26Sep

US. Fewer people counting on a ‘miracle’ to retire comfortably

Americans are feeling more optimistic about their chances of a secure retirement — a lot more. A new study from Natixis Investment Managers shows the number of U.S. investors who believe it will “take a miracle” to achieve retirement security dropped to 21% in 2025, a major change from 39% in 2023 This big swing in attitude is largely attributed to the excellent performance of the stock market lately. The S&P 500 has delivered two back-to-back years of returns over 20%,...

September 26, 2025
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25Sep

US. Why Corporate Pensions Are Acting Like Bond Traders

The corporate pension de-risking market has hit the brakes after a record-breaking run. More than $14 billion in pension risk transfers were executed YTD through Q3 2024—the highest level in over 16 years. Yet YTD Q2 2025, volume had dropped 64% year-over-year. What’s driving this sharp reversal? Increasingly, it appears that corporate plan sponsors are behaving like bond traders—actively timing their de-risking strategies around rate moves and market conditions. Pension liabilities are highly sensitive to long-term interest rates. When rates rise, the present value of...

September 25, 2025
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24Sep

US. House Oversight probes whether American retirees’ pension funds are being weaponized: ‘Progressive playbook’

The House Oversight Committee is setting its sights on insurance companies that may have discriminated against entities with right-wing views. The committee is also looking into whether retirees' pension accounts were being used to invest in progressive policies they may not necessarily agree with, Fox News Digital has learned. "The Committee on Oversight and Government Reform is investigating improper restrictions on access to capital and capital markets of individuals and entities based on political viewpoints or involvement in certain industries (such...

September 24, 2025
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23Sep

US. Pension Risk Transfer drops in first half

For the second consecutive quarter, activity in the pension risk transfer (PRT) market declined, resulting in sales of $11.5 billion through 2Q, a 56% decrease year-over-year, according to LIMRA’s U.S. Group Annuity Risk Transfer Survey. While the industry is off to a slower start compared to the last few years, which was widely anticipated by most industry insiders, Nationwide’s head of PRT, Paula Cole expects marketplace activity to pick up in the second half of the year. Despite this...

September 23, 2025
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22Sep

Aging in the U.S. and Korea: Same Sphere, Different Realities

Both the United States and South Korea are experiencing rapid population aging, but the patterns and social responses differ greatly. The U.S., already moving beyond an “aged society” into a “super-aged society,” is turning this change into a field of opportunity. Korea, meanwhile, is aging at the fastest pace in the world, but its institutions and perceptions still lag behind. In particular, when we look at five areas where the U.S. has shown distinctive developments—△labor market △long-term care & healthcare...

September 22, 2025
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22Sep

US. Strength in numbers: Why scale is reshaping the future of retirement plans

For CFOs and finance team leaders, the pressure to deliver more value with fewer resources is relentless. Retirement plan management—often a top-three employee benefit—has become a focal point, as organizations navigate rising costs, complex compliance, and growing expectations from employees and regulators alike. Many employers still manage their 401(k) plans in isolation, bearing the full weight of administration and risk without the advantages of scale. Today, as regulatory scrutiny and litigation intensify, and employees demand stronger retirement security, the...

September 22, 2025
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