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private pensions
Trends
- 1Institutional private credit fundraising surges 53% to $190bn▼Institutional private credit fundraising surges 53% to $190bn, despite retail-market turmoil
Institutional investors raised $190bn for private credit funds, a 53% jump, even as retail-facing private credit products face turmoil and redemptions. The figures suggest large allocators such as pension funds and insurers are leaning further into direct lending and credit strategies, even as retail channels come under strain. Commenters in asset management circles are weighing what the divergence means for the market's next phase.
- 2
In Germany, retirement provision (Altersvorsorge) is drawing attention, with Die Zeit reporting that many people are unwilling to open a retirement savings depot despite state subsidies. The reluctance highlights ongoing doubts about whether state-supported private schemes are attractive enough, keeping the debate over pensions and long-term financial security in the public conversation.
- 3Cost of living crisis drives people to opt out of private pensions●As more people opt out of private pension(s) due to the cost of living crisis, protecting the long-term plan behind the
More people are opting out of private pension contributions as the cost of living crisis squeezes household budgets, prompting warnings that long-term retirement security is being sacrificed for short-term survival. Commenters argue this makes protecting the triple lock on state pensions, and raising UK state provision towards European levels, more vital, since many will end up more dependent on the state pension in old age.
- 4
France's private-sector pension scheme Agirc-Arrco will increase retirement pensions on November 1 after a year with no revaluation. The question now circulating is how large the raise will be, with retirees and commentators waiting for the exact percentage to be confirmed and what it will mean for household budgets.
- 5With Pensions Nearly Gone, Retirees Turn to Annuities●Only 14% of Private Workers Still Have a Pension. He Bought an Annuity Instead, and Social Security Treats Those Checks Two Different Ways
Only about 14% of private-sector workers still have a traditional pension, and one retiree's decision to buy an annuity instead is drawing attention to a quirk in the rules: Social Security can treat annuity payments in two different ways depending on how the income is characterized. As more Americans self-fund retirement, understanding how these payments affect benefits is becoming a pressing practical question.
- 6Lawyers comment on SEC proposals to open private markets to retail investors▼Marc Elovitz and John Fitzgerald discuss SEC proposals to expand retail access to private markets in the Financial Times, Ignites, and Pensions & Investments
Marc Elovitz and John Fitzgerald, lawyers at McDermott Will & Schulte, have discussed SEC proposals to expand retail investor access to private markets in interviews with the Financial Times, Ignites, and Pensions & Investments. The SEC push to let ordinary investors into private-market investments is drawing attention from asset managers and their advisers, with commentary focusing on what the proposed rule changes would mean for funds and regulators.