One out of 11 people around the world are 65 or older today... in the next 30 years, that figure will jump to one out of every six.
Governments around the world are worrying about their citizens’ retirement security — they just approach it differently. Some use different versions of a pay-as-you-go system, where current workers pay for the benefits of current retirees — just as is done in the United States — while others have regulations that place most of the onus on either employers or employees.
To ensure a comfortable retirement, Australian workers are in charge of contributing enough for their futures — and they do so through a nationwide mandatory defined contribution plan, which would provide income on top of a basic old age pension scheme. Australia also uses investment portfolios, but employers are responsible for contributing most of the assets, and employees are told their contributions are voluntary.
Some countries are in the midst of reform. Brazil is currently implementing a retirement age, because its pension has been too flexible and generous for retirees, and the country is experiencing rapid aging — thus, making the system unsustainable and dangerous to the country’s economy. Sweden is also changing its retirement age, and increasing the age in which companies can force employees to retire.
• Japan:Retiring in Japan: Seniors greatly outnumber younger workers — and that’s a big problem for everyone• Australia:Australia’s safety net for retirees is generous and comprehensive — and complicated• The United Kingdom:U.K. companies are required to enroll workers in retirement plans — and it’s helping them save more
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