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Since the years after World War II, retirement systems were built around a familiar formula: A government pension, an employer-sponsored plan, and personal savings. The model worked when careers were largely predictable, employees stayed with one company for years, and retirees spent fewer years drawing retirement income.
That world has changed.
People are living longer. Careers are increasingly mobile. Gig work, part-time employment, and self-employment have become permanent features of the workforce. At the same time, inflation, public debt, and growing pressure on government retirement systems have heightened concerns about retirement security.
68% worry inflation is reducing the future value of their savings.
66% are saving less because of higher everyday costs.
72% worry growing public debt could lead to reduced retirement benefits.
The result is a growing sense that individuals are being asked to shoulder more of the responsibility of retirement themselves. Seventy-eight percent of investors across 21 countries say they feel it falls on them — a sharp increase from the 67% who felt the same just 10 years ago. The pressure is so great that 43% of investors say it’ll take a miracle to retire securely.
The 2026 Global Retirement Index examines how policymakers around the world are responding. A clear pattern emerges. Rather than redesigning retirement from scratch, countries are focused on strengthening three critical drivers of retirement success:
Together, these three forces reveal how retirement policy is evolving to meet the realities of a modern workforce. The goal is simple: Improve the odds of retirement success by helping more people save, helping them save earlier, and helping those savings work harder over time.
Much of the policy work happening is aimed directly at the biggest retirement fears for investors worldwide: not having enough money to enjoy their retirement (40%), getting out from under the inflation that’s killing retirement dreams, concerns over potential benefit shortfalls (33%), and never saving enough to retire (25%).
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The Global Retirement Index (GRI) is a multi-dimensional index developed by Natixis Investment Managers and CoreData Research to examine the factors driving retirement security and to provide a comparison tool for best practices in retirement policy.
The index includes International Monetary Fund (IMF) advanced economies, members of the Organization for Economic Cooperation and Development (OECD), and the BRIC countries (Brazil, Russia, India, and China). The researchers calculated a mean score in each category and combined the category scores for a final overall ranking of the 44 nations studied.
The views and opinions expressed may change based on market and other conditions. This material is provided for informational purposes only and should not be construed as investment advice. There can be no assurance that developments will transpire as forecasted.
Actual results may vary.
All investing involves risk, including the risk of loss. No investment strategy or risk management technique can guarantee return or eliminate risk in all market environments. Investment risk exists with equity, fixed income, and alternative investments. There is no assurance that any investment will meet its performance objectives or that losses will be avoided.