March 2025
12Mar

Cómo las decisiones de Elon Musk podrían redefinir las pensiones en EE.UU.

Elon Musk se ha convertido en una figura influyente en el panorama político de Estados Unidos (EE.UU.), y sus políticas podrían redefinir las jubilaciones en el país. Desde su cercanía con el presidente Donald Trump hasta su visión sobre el gasto público al frente del DOGE, su impacto va más allá de la tecnología. Con su opinión en torno a la modernización del Seguro Social, los futuros pensionados podrían enfrentar un sistema que fusiona lo tradicional con lo digital....

March 12, 2025
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12Mar

Stocks are down. What does this mean for older, younger Americans with 401(k)s?

Stocks tumbled this week amid growing concerns over the economic impact of President Donald Trump’s tariffs. The benchmark S&P 500 avoided correction territory ‒ defined as at least a 10% decline from a recent high ‒ and ended the day down 0.76% at 5,572.07 points, up from a daily low of 5,528.41. The Dow Jones Industrial Average dipped 1.14%, while the Nasdaq composite fell 0.18%. Investment strategists told USA TODAY that the recent dip is no reason for Americans with retirement accounts such as 401(k)s...

March 12, 2025
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10Mar

America’s aging population faces a growing shortage of geriatric care

Jerry Gurwitz, a 68-year-old geriatrician based in Massachusetts, is at a tricky point in his career. He's spent decades taking care of older Americans, but now, as Gurwitz approaches the age of some of his own patients, he sees a brewing problem with his profession: there aren't many people willing to take his job, and he has serious doubts over whether there will be enough doctors to properly take care of people as they get older, he told Business Insider. Gurwitz,...

March 10, 2025
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06Mar

The U.S. has a record low fertility rate. Is that good news or bad news? It’s complicated.

The U.S. fertility rate — the average number of children each woman gives birth to — fell 22% between 1990 and 2023, according to the latest data from the Centers for Disease Control and Prevention’s National Center for Health Statistics (NCHS). It’s not a new trend; the decline began in 2007, just ahead of the 2008 recession. Coupled with the rapidly aging American population, the falling fertility rate has long made policymakers nervous about draining Social Security funds and generally causing...

March 6, 2025
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05Mar

More Than Half of U.S. Households Have Retirement Accounts, CRS Says

More than half of U.S. households had retirement accounts in a just-released study by the Congressional Research Service. That’s 54%, to be exact, according to the CRS in “Distribution of Retirement Account Balances: Analysis of the 2022 Survey of Consumer Finances,” released on Feb. 26, 2025. The CRS defines “retirement account” for purposes of this study as defined contribution (DC) plans and individual retirement accounts (IRAs). It recognizes, however, that U.S. households have other sources of income during retirement as...

March 5, 2025
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05Mar

‘Trump can’t tell people where to invest their money’

One of Donald Trump’s first acts on returning to the White House was to withdraw the US from the Paris Agreement, and he has long railed against environmental, social and governance investment and “woke capitalism”, having rolled back more than 100 environmental rules and policies in his first term. So there is an understandable fear that Trump’s stance will slow momentum towards meeting net-zero targets and reduce sustainable investment around the world. Multiple financial institutions have withdrawn from net-zero alliances set...

March 5, 2025
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05Mar

US Public Pension Funds Increased Allocations to Fixed Income in 2024

US public pension funds are raising their fixed-income allocations, but with equities still holding the largest share of portfolios, US small- and mid-cap stocks could present an opportunity, according to the National Conference on Public Employees Retirement System (NCPERS). Data from 201 US public pension funds revealed that while allocations to other asset classes declined in the first half of 2024, fixed-income investments saw a sharp increase. Equities remained the largest part of pension portfolios, averaging a 41.5% allocation, though this was down...

March 5, 2025
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February 2025
28Feb

US. Public pension funds allocate more to fixed income, lower return assumptions — NCPERS

Public pension funds are increasing allocations to fixed income and continuing to lower their investment assumptions, according to a study from the National Conference on Public Employees Retirement Systems. The study, which reflects data from 201 U.S. public pension funds that collectively oversee more than $3 trillion in assets, shows those plans that reported data as of June 30 had an average investment return of 9.5%, and the trend toward lower investment return assumptions continues with an average discount rate...

February 28, 2025
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26Feb

US. Public Pension Plans Reach 5-Year High of 83.1% Funded

Public pension funds’ funded status has risen to a five-year high amid equity market strength, according to a study from the National Conference of Public Employees Retirement Systems. The annual NCPERS retirement study, which the organization has conducted since 2011, found that the average public pension has seen its funded status reach 83.1% through the first half of 2024, typically when the fiscal years for these plans ended. The report also found that discount rates have decreased to an average of 6.67%...

February 26, 2025
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25Feb

The Biggest Challenges Facing Older Americans: Insights from the Aging Advisory Group

Adults aged 50 and older are the fastest-growing age group of those experiencing homelessness, making up nearly half of the single-adult homeless population, which is estimated to triple over the next decade. Older adults are especially vulnerable to becoming homeless, as many live on fixed incomes that are insufficient to cover the cost of housing and other expenses. Aging Advisory Group To address the rapid increase of older adults experiencing homelessness, the National Alliance to End Homelessness, in partnership with the RRF...

February 25, 2025
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