Retirement Planning
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Sovereign Debt
South Korea's $1.3 Trillion Pension Fund Nears Direct Access to Indian Government Bonds
7 sources · 26d ago
Tax Enforcement
IRS Launches Major Enforcement Push Targeting Retirement Income and Senior Filers
7 sources · 81d ago
Tokenized Finance
ECB Launches 'Pontes' DLT Settlement System for Tokenized Assets
4 sources · 26d ago
More in Retirement Planning
Deep DiveRetirement Income
How Guaranteed Lifetime Annuities Trade 150 Basis Points for Longevity Protection
Guaranteed Income Advocates 40%Systematic Drawdown Proponents 35%Institutional Plan Integrators 25%
Research BriefSequence Risk
Rising Equity Glidepaths Cushion the Retirement Red Zone by Reversing Target-Date Allocations
Quantitative Planners 40%Traditional Asset Managers 35%Behavioral Economists 25%
Research BriefRetirement Income
The Yield Premium of Pooled Longevity: Why Life Annuities Outpay Bond Ladders
Actuarial Consensus 45%Liquidity Advocates 35%Portfolio Theorists 20%
Research BriefRetirement Frameworks
The Shift From the Three-Legged Stool to the Four-Pillar Retirement Framework
Modern Portfolio Strategists 40%Institutional Traditionalists 30%Macroeconomic Policy Analysts 30%
Pension ManagementCompensation Watch
CalPERS Board Awards CEO Marcie Frost $1.15 Million Performance Bonus After Strong Investment Returns
CalPERS Board Majority 45%Retiree Advocates 30%State Fiscal Watchdogs 25%
ExplainerSocial Security Math
Social Security Bend Points: Calculating Retirement Benefits From 35-Year AIME
System Administrators 40%Policy Analysts 30%Public Reference & Planning 30%
ExplainerRetirement Math
Future Value of an Annuity Formula Calculates Compound Growth of Retirement Savings
Financial Planning 40%Actuarial Science 35%Academic Finance 25%
Deep DiveRetirement Math
Retiree Spending Naturally Falls 1% a Year, Challenging the 4% Rule
Empirical Spending Modelers 60%Constant-Spending Advocates 40%
Social SecurityStrategy Explainer
How Delayed Retirement Credits Guarantee an 8% Annual Increase in Social Security Benefits
Actuarial Planners 45%Liquidity-First Advocates 35%Federal Administrators 20%
ExplainerRetirement Policy
SECURE 2.0 Act: Age 73 Thresholds, Reduced Penalties, and IRS Lifetime Tables
Tax Policy Regulators 40%Retirement Planners 35%Factlen Editorial Team 25%
Research BriefWithdrawal Rates
Re-Evaluating the 4% Retirement Rule: Why 3.7% is the New Baseline for 30-Year Capital Preservation
Conservative Planners 40%Historical Traditionalists 35%Dynamic Spenders 25%
ExplainerIndex Funds
Equal-Weighted Index Funds Mitigate Mega-Cap Concentration in Passive Portfolios
Momentum Investors 40%Value and Diversification Advocates 40%Cost-Conscious Passive Savers 20%
ExplainerSocial Security
The Optimal Social Security Claiming Age: Comparing the Financial Impact of Filing at 62, Full Retirement Age, and 70
Longevity Hedgers 45%Liquidity Prioritizers 30%Actuarial Optimizers 25%
Research BriefTrust Fund Data
Social Security Trust Fund Depletion Moves to 2032, Projecting 22% Benefit Cuts
Structural Reform Advocates 40%Revenue Expansion Proponents 30%Actuarial Forecasters 30%
Explainer401(k) Overhaul
DOL Finalizes Fiduciary Safe Harbor, Opening 401(k) Plans to Private Equity and Crypto
Alternative Asset Managers 35%Investor Protection Advocates 35%Plan Sponsors and Fiduciaries 30%
ExplainerSocial Security
Bipartisan Senate Group Launches 'PROMISE Act' to Force Social Security Solvency Plan Before 25% Cut
Actuarial Consensus 40%Fiscal Hawks 30%Legislative Pragmatists 30%
Research BriefAI Workforce Demographics
Why Workers Over 55 in AI-Exposed Roles Are Retiring Up to 18 Months Early
Labor Economists 44%Corporate Strategists 33%Older Worker Advocates 22%
ExplainerTax Policy
New 2026 Tax Rules Exempt Tip Income and Expand Standard Deductions for Seniors
Tax Relief Advocates 40%Fiscal Analysts 30%Tax Administrators 30%
ExplainerPension Finance
Corporate Pension Plans Hit 19-Year Funding High, Triggering a Wave of 'De-Risking' Strategies
Corporate Sponsors 39%Insurance Providers 39%Retiree Advocates 22%
ExplainerRetirement Strategy
SECURE 2.0 Raises 401(k) Limits to $24,500 and Adds Super Catch-Up for Ages 60 to 63
Retirement Planners 40%Policy Analysts 35%Everyday Savers 25%
ExplainerRetirement Taxes
Surging AI Stock Gains Are Inflating RMDs and Triggering Retirement Tax Traps
Tax Planners 45%Public Policy Analysts 30%Retiree Advocates 25%
Explainer401(k) Mechanics
Why 401(k) Hardship Withdrawals Tripled Despite Record Account Balances
Consumer Economists 40%Plan Administrators 35%Regulatory Bodies 25%
ExplainerElder Fraud
Financial Exploitation Act Gives Mutual Funds Safe Harbor to Pause Elder Redemptions
Consumer Protection Advocates 45%Asset Management Industry 40%Economic Researchers 15%
ExplainerInstitutional Investing
Why Pension Funds Are Replacing 60/40 Portfolios with Private Credit and Dynamic Assets
Institutional Allocators 44%Systemic Risk Regulators 31%Academic & Quantitative Researchers 25%
ExplainerPension Redress
Why Market Gains and High Rates Are Erasing Mis-Sold DB Pension Redress
Regulatory & Legal Consensus 40%Consumer Rights Advocates 35%Financial Advisory Sector 25%
ExplainerInsurance Markets
Why Flawed Actuarial Models Caused the Collapse of Long-Term Care Insurance
Actuarial Analysts 40%Consumer Planners 35%State Regulators 25%
ExplainerEstate Planning
Using Prenups and Trusts to Protect Family Wealth When Aging Parents Remarry
Estate Planning Attorneys 40%Financial Gerontologists 30%Elder Law Academics 30%
Research BriefCalifornia Tax Policy
California's 2026 Ballot Initiative to Shield Retirement Accounts from Wealth Taxes
Taxpayer & Senior Advocates 47%Economic & Migration Researchers 35%State Fiscal Watchdogs 18%
ExplainerLongevity Economics
GLP-1 Drugs Extend Lifespans, Forcing Pension Funds to Revise Actuarial Tables
Actuaries & Risk Managers 41%Medical Researchers 35%Corporate Plan Sponsors 24%
ExplainerPension Buyouts
Why Overfunded Corporate Pensions Are Offloading Liabilities Through Bulk Annuities
Corporate Plan Sponsors 35%Life Insurance Industry 35%Regulatory & Fiduciary Watchdogs 30%
ExplainerTrust Fund Math
Why the 2032 Social Security Trust Fund Depletion Means Benefit Cuts, Not Bankruptcy
Actuarial Realists 45%Revenue-Side Advocates 35%Legislative Pragmatists 20%
ExplainerSocial Security
Lifting the Social Security Payroll Tax Cap to Prevent an Automatic 22% Benefit Cut
Solvency Advocates 40%Economic Growth Proponents 30%Policy Pragmatists 30%
ExplainerLongevity Risk
SECURE 2.0 and QLACs: Using Deferred Annuities to Insure Against Longevity Risk
Wealth Managers and Planners 45%Actuaries and Policymakers 30%Independent Analysts 25%
ExplainerTax Strategy
Why Triple-Tax-Advantaged HSAs Beat 401(k)s for Long-Term Retirement Savings
Financial Planners 40%Healthcare Economists 30%Pragmatic Savers 30%
Research BriefWealth Building
Record 401(k) Balances Signal a Shift in American Retirement Readiness
Behavioral Economists 40%Financial Industry Analysts 35%Labor & Equity Advocates 25%
ExplainerIndex Funds
The S&P 500 is more top-heavy than ever. Here is how to rebalance your portfolio.
Passive Investing Advocates 40%Active Risk Managers 40%Technology Bulls 20%
Research BriefElder Care Economics
The Changing Demographics of Elder Care: How Men Are Reshaping Family Caregiving
Family Economics Analysts 40%Aging & Longevity Researchers 35%Public Health & Policy Officials 25%
ExplainerRetirement Taxes
Defusing Age 73 RMD Taxes Under SECURE 2.0 With Roth Conversions and QCDs
Proactive Tax Optimizers 45%Philanthropic Strategists 35%Regulatory Framework 20%
ExplainerRetirement Philanthropy
The 'Tax Alpha' of Giving: How Retirees Are Using Philanthropy to Shield Their Portfolios
Financial Planners & Tax Strategists 40%Philanthropic Organizations 30%Retiree Donors 30%
ExplainerRetirement Income
Why Mental Accounting Protects Retirees Living Exclusively on Stock Dividends
Behavioral Economists & Retirees 40%Total-Return Purists 35%Income & Tax Strategists 25%
ExplainerTax Strategy
The Triple-Tax Advantage: How Health Savings Accounts Became the Ultimate Stealth Retirement Fund
Wealth Advisors 45%Everyday Savers 30%Public Health Advocates 25%
ExplainerRetirement Income
Evaluating Whether the Yield Shield Protects Retirees From Sequence-of-Returns Risk
Dividend-Focused Retirees 35%Total Return Proponents 35%Behavioral Economists 30%
ExplainerWealth Transfer
Why Giving Wealth While Living Maximizes Tax Efficiency and Retiree Happiness
Psychological & Well-Being Advocates 35%Tax & Estate Strategists 35%Family Governance Experts 30%
Research BriefRetirement Strategy
Why Retirees Give Away Wealth While Living: Prosocial Spending and Tax Efficiency
Behavioral Scientists 35%Philanthropic Strategists 35%Financial Planners 30%
ExplainerWealth Transfer
Transferring Wealth Early Maximizes Family Utility When Portfolios Are Protected
Financial & Tax Planners 40%Behavioral Economists 30%Gerontologists & Researchers 30%
ExplainerPhased Retirement
Phased Retirement Improves Cognitive Longevity and Financial Security
Workforce Longevity Researchers 35%Corporate Management 35%Labor Economists 30%
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