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Not great, not terrible – Slovenia’s second pension pillar (update for 2021)
Since the Slovenian ministry of labour just released fresh stats for the second pension pillar, this just calls for an updated article on the evolution of the second pension pillar represented by defined contribution retirement plans. In December 2021 the number of employees saving in the second pension pillarContinue reading “Not great, not terrible – Slovenia’s second pension pillar (update for 2021)”
Ireland to introduce automatic enrolment in retirement plans
Ireland just published ambitious plans to introduce automatic enrolment (AE) in retirement plans from 2024 onwards and since I always back AE as the single most important policy that can help people save for retirement, it’s well worth to look at the details, which are quite interesting and someContinue reading “Ireland to introduce automatic enrolment in retirement plans”
Mandatory lifetime income projections (case of Slovenian pension funds)
In many countries with developed defined contribution retirement plans, like the US, UK and Australia, the debate around the decumulation phase of retirement saving is taking centre stage, as an ever growing number of plan members are entering retirement and looking to convert their savings into an income stream. Continue reading “Mandatory lifetime income projections (case of Slovenian pension funds)”
Lessons for retirement saving from the movie Don`t Look Up (Netflix)
End of December Adam McKay’s new movie Don’t Look Up was released on Netflix bringing to us a fun satire of the current state of our society. An acclaimed cast, including Leonardo DiCaprio, Jennifer Lawrence, Jonah Hill, Meryl Streep and Cate Blanchett, show us thru a satiric lens, howContinue reading “Lessons for retirement saving from the movie Don`t Look Up (Netflix)”
What a shocker – automatic enrolment in retirement plans works (How it started and how to make it better)
Automatic enrolment (AE) in retirement plans is far from a new idea, in fact it’s now more than two decades old, but I’m still surprised how many people in the industry (finance, insurance, retirement, …) and also in the government, are not aware of how powerful it really is.Continue reading “What a shocker – automatic enrolment in retirement plans works (How it started and how to make it better)”
The forever young ideology does not help retirement saving – what to do?
While vacationing I try to catch up on my reading (as much as family life allows), and once in a while to take a break from more serious reading, I browse over my wife`s “lifestyle” magazines that she usually reads on the beach. Scanning over them this year, whatContinue reading “The forever young ideology does not help retirement saving – what to do?”
Assets and members of Slovenia’s second pension pillar on the up, coverage rates are down
End of 2020 the number of employees saving in the second pension pillar in Slovenia reached a record 574.219 members. This means the coverage rate is roughly 60 % of all persons in employment, which is a fairly decent rate for a 20 year old voluntary system, but ifContinue reading “Assets and members of Slovenia’s second pension pillar on the up, coverage rates are down”
Did the stock market volatility in 2020 affect asset allocation of pension plan members?
We all remember the roller coaster ride stock markets had in the year 2020 that started in march with a sharp drop in stocks of almost all sectors and industries, followed by equally or even higher rises of some industries in the later months of the year. All inContinue reading “Did the stock market volatility in 2020 affect asset allocation of pension plan members?”
Mandatory VS voluntary enrollment in retirement plans (Croatia VS Slovenia)
We know from lots of behavioral science literature the initial decision to join a retirement saving plan is one of the hardest, as there are lots of behavioral biases working against it, from loss aversion to status quo bias and many more. But what can we do to makeContinue reading “Mandatory VS voluntary enrollment in retirement plans (Croatia VS Slovenia)”
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Irrational Retirement 