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April 2025

02Apr

UK. Research reveals lack of retirement preparedness as life expectancy increases

Less than two thirds (60 per cent) of professional investors feel they are either fully or almost fully financially prepared to help their clients in living for longer in retirement, research by Fidelity International has revealed. However, the research, which included responses from institutional investors and intermediary distributors across Europe and Asia, found that 40 per cent of respondents felt there was a lack of readiness to support clients in this area. Fidelity International global head of client solutions, Katie Roberts...

April 2, 2025
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01Apr

US. Secure 2.0 Act Changes Some Key 401(K) Guidelines for 2025

These changes are very important to know for small employers with existing 401(k) plans and those considering starting a 401(k) plan. Also, if you are a part-time employee or an employee over the age of 50, these changes will affect you. 401(k) retirement plans are employer sponsored, qualified retirement plans that are available to employees. The employee can elect to have an amount or percentage of their pay deducted either before or after taxes — Roth 401(k) — and invested...

April 1, 2025
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March 2025

28Mar

Can ChatGPT Plan Your Retirement?: Generative AI and Financial Advice

By Andrew W. Lo, Jillian Ross We identify some of the most pressing issues facing the adoption of large language models (LLMs) in practical settings, and propose a research agenda to reach the next technological inflection point in generative AI. We focus on four challenges facing most LLM applications: domain-specific expertise, an ability to tailor that expertise to a user’s unique situation, trustworthiness and adherence to the user’s moral and ethical standards, and conformity to regulatory guidelines and oversight. These...

March 28, 2025
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27Mar

The value of active strategies in old-age provision

The choice between active and passive strategies should not be reduced to a binary decision, eg, based solely on fees. Instead, it should reflect the investor’s unique goals, the product framework (eg, unitlinked or pension plans) and the market environment. In the context of old-age provision, we question the suitability of passive strategies. In a competitive market situation, with greater volatility and structural shifts, we think active approaches with selective decisions have greater potential to outperform and protect...

March 27, 2025
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24Mar

US. 4 Reasons Your Retirement Plan Is Overly Conservative

A flaw of conventional retirement planning is its detachment from reality. This disconnect often leads to overly conservative retirement income plans that require retirees to make unnecessary spending sacrifices. That’s a problem because the goal of retirement planning is to maximize quality of life, which involves taking a realistic look at a retiree’s situation to enhance retirement income and to encourage spending. Let’s explore four common factors contributing to overly conservative retirement income plans and how to avoid them. #1 Not...

March 24, 2025
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24Mar

Australia. Retirees more pessimistic about retirement expectations: report

Australians have changed their retirement expectations over the past 12 months, with higher living costs creating a pessimistic attitude among pre-retirees, according to a report from Colonial First State. The Rethinking Retirement Report 2025 revealed that rising living costs have eroded comfortable living standards for retirees, and fewer retirees said they are currently able to enjoy a comfortable retirement compared to last year. It continued that three-quarters of retirees are using pension payments to cover essential living expenses, while close to one in...

March 24, 2025
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21Mar

Navigating the retirement window: Introduce more certainty to outcomes

For most savers, the primary objective of their financial plan is to ensure they have sufficient funds to meet their spending needs during retirement. Despite this intention, taking action can be daunting due to the uncertainty surrounding a new phase of life and a lack of information around critical decisions that must be made. These are some reasons why, when it comes to retirement, many Americans are unprepared. A Federal Reserve study found that 25% of working Americans have no...

March 21, 2025
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20Mar

What Age Do People Around the World Think Is Best to Reach Major Life Milestones?

When is the right time in life to get married or have a child? What is the best age to buy a home? Is there an ideal age for retirement? We asked adults in 18 mostly middle-income countries what they think is the best age to reach these life milestones. Overall, there is a lot of agreement around the world. A chart showing The ideal ages for major life events, according to people in 18 nations On average across the countries...

March 20, 2025
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14Mar

A roadmap to adequate retirement incomes for all

By Phoenix Insights Achieving decent, financially secure retirements for people in the UK is an essential priority for individuals, government and industry alike. Phoenix Group previously called for a holistic review of pensions adequacy, and are pleased to see the new Government’s commitment to do so in the coming months. The long standing question of ‘how much is enough’ for retirement can be complex and wide reaching one. The question will need to be answered through a collaborative approach and followed by an action plan....

March 14, 2025
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11Mar

UK. A shocking number of over-40s think they’ll have to work past pension age – for one clear reason

A huge number of over-40 workers in the UK fear they’ll be unable to retire from the workforce until into their 70s - because they won’t have the pension in place to do so. New research data shows more than a third of over-40s think they’ll still be working far past the state pension age, currently 66, while over a quarter are concerned they don’t know enough about their pension plans because their employers do not provide the necessary information. In the UK, the deadline...

March 11, 2025
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