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The Mercer CFA Institute Global Pension Index benchmarks 44 retirement income systems around the world, highlighting challenges and opportunities within each. This year we have added Portugal to the mix, as well as using updated data from OECD and the UN World Population Prospects 2022.
The index is made up of three sub-indices – adequacy, sustainability and integrity – to measure each retirement income system against more than 50 indicators. This year's feature chapter unpacks the challenging defined contribution (DC) equation of converting a DC lump sum into a good outcome for retirees. Download the reports to learn more about your pension system.
How much do you get?
Can it keep delivering?
Can it be trusted?
Dr. David Knox, Lead author, Actuary and Senior Partner, Mercer
Defined contribution pension plans are the centre of a lot of debate. This year’s special chapter looks at the challenges facing defined contribution systems: the issues facing individuals, what retirees want, what solutions are out there and the best mix to solve this.
Employers are stepping away from financial guarantees
Individuals bear the risks before and after retirement
Retirees receive a lump sum, not an income stream
Households are not equipped to make financial decisions at retirement
Governments considering reducing financial support during retirement
Margaret Franklin, CFA, President & CEO, CFA Institute
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This report is intended as a basis for discussion only. Whilst every effort has been made to ensure the accuracy and completeness of the material in this report, the authors give no warranty in that regard and accept no liability for any loss or damage incurred through the use of, or reliance upon, this report or the information contained therein.