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03/06/2026

US. Company Pension Funds Stuffed With Bonds Ease Up on Debt Buying

A key source of demand for corporate bonds may be fading now that managers of company pension funds have more than enough money on hand to pay their retirees.

Company-sponsored plans that had struggled in past years to keep up with their obligations in an era of low interest rates have gotten a boost from a decade of strong equity returns. Many plowed those gains into bonds in more recent years as yields rose. The trade allowed managers to lock in funding for retirees and cut risk at the same time. Now they’ve lowered risk enough that they have less incentive to boost bond allocations.

“Pension plans have been on this de-risking journey,” said Matt McDaniel, US defined benefit investment leader at Mercer. “That’s been a macro trend for well over a decade now; what we’re seeing more recently, though, is more and more plan sponsors getting to the end of that path.”

Corporate pensions collectively have around 108% of the funding they need as of late April, according to the Milliman 100 Pension Funding Index, the highest funding ratio since October 2007. The plans have maintained fully funded status for four consecutive years since 2022. That’s the longest such stretch this century, according to data from Goldman Sachs Asset Management.

The impact may already be showing up in allocations, which show corporate pensions apparently have stopped selling stocks en masse, and some have even cut fixed-income allocations slightly. Their exposure to public equities has been stable at 25% for the past three years after two decades of declines. Meanwhile, fixed-income allocations have fallen to 52% in 2024 and 2025, compared with 54% in 2023, GSAM’s data showed.

(Source: advisorperspectives)

02/06/2026

Later parenthood and weak pensions put Gen X possibly at risk

Why timing matters: Later parenthood can mean child costs overlap with prime pension-saving years, delaying retirement readiness. Property no safe bet: Gen X’s higher property ownership offers less security as house price growth lags behind inflation and market returns. Pension gaps widen: Missing out on generous past schemes and starting saving late leaves many Gen Xers exposed to future income shortfalls.

Generation X began their working lives after the closure of defined benefit pension schemes. This timing meant they did not benefit from the guaranteed retirement income such schemes provided to earlier cohorts. The absence of these schemes reduced their access to secure, employer-backed pension arrangements.

Generation X entered employment before the implementation of automatic pension enrolment policies. As a result, many did not start saving for retirement through workplace pensions early in their careers. This gap contributed to inconsistent retirement saving habits within the cohort.

Experts stated that delaying parenthood often results in child-related expenses occurring during years that are typically used for increasing pension savings and reducing debt. This shift in financial priorities can alter long-term retirement planning. The timing of these expenses directly affects the ability to prepare financially for retirement.

When children remain living at home into their mid-twenties, parents may not experience a decrease in household expenses until they are around 65 years old. This delay in cost reduction can affect financial planning for retirement. The extended financial support for adult children prolongs the period of high household expenditure.

Financial planners caution that sustained high household costs may require individuals to work for longer periods or delay accessing their private pensions. This is due to the financial strain caused by supporting adult children while preparing for retirement. Such adjustments can significantly alter retirement timelines.

(Source: msn)

01/06/2026

Expat Retirement Tip: Optimize Before You Relocate

We often see the situation in which an expat has relocated to another country and then contacts us how to optimize his/her retirement planning.

Of course that is no problem and we will provide the requested consultancy.

But if an expat contacts us before the relocation, then often that creates more options and better tax compliance at retirement age.

It pays off to plan!

22/05/2026

Quebec pension giant bets big on Brazil’s power grid

Two of Latin America’s largest energy infrastructure investors are consolidating their Brazilian transmission assets into a single platform, betting on the country’s grid modernization push.

La Caisse de dépôt et placement du Québec and Colombia-based Grupo Energía Bogotá (GEB) have signed a final agreement to merge their respective Brazilian power transmission holdings into a jointly controlled, 50/50 venture under the name Verene Energia S.A.

The combined entity will hold 26 electric transmission concession agreements, more than 9,000 km of transmission lines, and over 400 employees across 17 Brazilian states. A scale the partners say places Verene among Brazil’s top five transmission operators.

Verene will pursue growth through network optimization, infrastructure expansion, and potential acquisitions, aligned with Brazil’s broader decarbonization objectives. Emmanuel Jaclot, executive vice-president and head of infrastructure and sustainability at La Caisse, said GEB brings “more than 130 years of operating heritage” to the venture.

Jaclot said the partners plan to grow Verene’s footprint in Brazil through acquisitions and continued support for the country’s energy transition. GEB president Juan Ricardo Ortega said the deal marks “a significant milestone” in the company’s long-term Brazil strategy, citing the combination of GEB’s regional expertise with La Caisse’s financial reach.

(Source: Wealthprofessional)

21/05/2026

Urgent action needed to tackle UK pension under-saving, says IFoA

Responding to the Pensions Commission’s interim report released today, Paul Sweeting FIA C.Act, President at the Institute and Faculty of Actuaries (IFoA), said:

“The Pensions Commission’s interim report delivers a clear urgent message: automatic enrolment has boosted participation, yet 15 million working-age adults are under-saving, risking inadequate retirement incomes. The IFoA strongly supports this assessment, which comes as no surprise. However, action to address this coming crisis is essential and overdue.

“The next phase of this work needs to address challenges set out in the report around contribution levels, risk-sharing, intergenerational fairness, and real-life disruptions. These often disproportionately impact the self-employed, low-earners and women dealing with career breaks for carers, maternity leave and moving from full time to part time work.

“It is important that, as with the Turner commission, industry, regulators and policy makers all engage to create a similar consensus to address the current under-saving by many. Through a multi-year effort the IFoA has analysed what pension gaps are, why they occur, and what can be done to help. This includes our most recent report containing recommendations on creating a pension system fit for the 21st century.

“This report is a timely wake up call. The IFoA is committed to working with the sector to bridge these gaps and build practical solutions. These include flexible auto enrolment, clear default decumulation pathways, and greater use of combined defined contribution (CDC) schemes for more stable outcomes, while protecting the pension system’s core strengths. But there is no escaping the fact that to achieve adequate incomes in retirement, people need to save more.”

20/05/2026

Growing old gracefully: US hot spots for increased life expectancy revealed

In many advanced economies populations are growing and, at the same time, the average age is rising. This holds true for the U.S., where new research reveals that West Virginia leads the list, with its residents aging nearly eight years faster than the rest of the country.

This is based on an April 2026 report conducted by a firm called Auragens, who measured both biological and psychological aging across all 50 states. Biological aging included six factors: physical inactivity, obesity, heart disease, death rate, diabetes rate, multiple chronic conditions and excessive alcohol use.

Psychological aging accounted for the other half of the final score and included stress index, anxiety and depression rate, mental illness rates from 2019 to 2025 and serious suicidal thoughts over the same period. With these two aging categories, the Total Aging Index from 1 to 99 was calculated, where higher scores indicate faster aging.

The study also estimated how many years faster residents are aging compared to the national average by translating the relative differences between state scores into an estimated time gap.

West Virginia, as mentioned earlier, has the fastest aging population in the country, sped up by the worst physical health among Americans. In addition to the smallest life expectancy of only 59.9 years, over a quarter of adults are smoking, and 41.2% are diagnosed with obesity.

Emotional and psychological environment also forces faster aging, as over a third of residents (37.9%) experience depression. With these factors, West Virginians are aging an estimated 7.5 years faster than the average American.

15/05/2026

Just two of the world’s top financial institutions have commitments to phase out fossil fuels

Only two of the world’s 400 largest financial institutions have ‘robust commitments’ in place to phase out fossil fuels, new analysis from the World Benchmarking Alliance (WBA) has found.

According to the WBA’s Financial System Climate Assessment, around one third of the assessed firms have ‘initial signs of transition planning towards a low-carbon economy’, including setting metrics and targets to drive and monitor progress, or embedding transition planning within governance structures.

However, just 26% were found to have transition plans that cover financed activities, rather than focusing solely on their own operations. “Repeated fossil fuel crises have starkly illustrated how vital transition planning is for global economic stability,” commented Pauliina Murphy, engagement and communications director, World Benchmarking Alliance.

“Financial institutions are central to this; their decisions on allocating capital to low-carbon solutions and phasing out fossil fuels will determine how fast the global economy can rebuild its resilience.”

The assessment reviewed banks, insurers, asset managers and pension funds and found that only ING and Zürcher Kantonalbank have demonstrated a confirmed commitment to phase out their exposure to fossil fuel markets, and ceased new financing flows in this area.

15/05/2026

Indonesia:The newest member of group of ageing Asian nations

Indonesia is now officially an ageing nation, according to the 2025 Intercensal Survey (SUPAS) published by Statistics Indonesia (BPS).
The survey published on 12 May 2026 reveals that the percentage of the elderly population has climbed to 11.97%, breaching for the first time the 10% threshold used to differentiate between a young population and an ageing one.

The exercise conducted every five years found that the elderly population share has continued to climb in each of the surveys. The ageing population has risen from 7.59% in 2010 to 8.4% and 9.93% in the subsequent surveys, before reaching the current level.

Indonesia’s population recorded at 284.67m in 2025 implies that it has grown at an average 1.08% every year over the survey’s five-year horizon. The number is the result of births and deaths as well as migration into and out of the country.

The total fertility rate (TFR) has gradually declined from 2.41 in 2010 to 2.13 in 2025, inching ever closer to what is known as the replacement level, generally cited as 2.1 children per woman, which is the level generally required for a population to replace itself from one generation to another without migration.

Countries with a severe population decline, like South Korea, China and Japan have TFRs around 0.8, 1.02 and 1.2 respectively.

15/05/2026

NPRA deploys risk-based supervision to fortify Ghana’s pension industry

The National Pensions Regulatory Authority (NPRA) has taken a major step toward strengthening oversight and protecting contributors’ retirement funds with the full deployment of its Risk-Based Supervisory System (RBSS).

According to the Chief Executive Officer of the Authority, Christopher Boadi Mensah, the reform marks a major institutional shift from traditional compliance-based supervision to a more targeted, intelligence-driven regulatory framework.

Under the new system, NPRA can better monitor compliance and profile risks among industry players, identify early warning signs, and take preventive action before issues escalate.

The RBSS also supports more efficient use of regulatory resources by allowing the authority to focus attention on higher-risk entities and activities. This enhances decision-making and improves the overall stability of the pension industry.

In practical terms, the reform strengthens the security of pension funds by reducing exposure to fraud, poor governance, and operational failures. It also promotes accountability among trustees, fund managers, and custodians operating under Ghana’s 3-Tier Pension Scheme.As pension assets continue to grow, stronger supervision becomes increasingly important.

The implementation of RBSS demonstrates NPRA’s commitment to building a resilient, transparent, and sustainable pensions industry. For millions of Ghanaian workers contributing toward retirement, the reform provides greater assurance that their future savings are being protected under a smarter and more proactive regulatory system.

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