Less births, less workers, more pressure on a retirement system that already crosses. If the retirement lasts 30 or 40 years, how do we finance it? The need for financial planning.
We live more, we work less (people) and save little. The equation does not close. In a world where longevity grows, but the birth rate falls into minced, withdrawal as we know it enters a risk zone. Who will hold a population that ages rapidly if there are less and less young people to do it?
According to the OECDa replacement rate of 60% of the salary would be an acceptable standard when retiring. But in practice, that percentage seems an unattainable goal for a good part of the population. The conclusion is uncomfortable today, but there is hope tomorrow: we cannot make the view aside on the responsibility we have to plan a future with well -being as a priority.
In Argentina, the Life expectancy reached 77.5 years in 2024according to the OPSan increase of almost four years in just two decades. But there is no generational replacement: The fertility rate fell to 1.4 children per woman (INDEC, 2022), well below the level necessary to sustain the population (2,1). Less births, less workers, more pressure on a retirement system that already crosses. Retirement, for many, will be withdrawn before them.
In addition, science is not waiting sitting. The geneticist David Sinclairof Harvard, says it without surroundings: “Aging is a disease and can be treated.” His work in epigenetics aims to reverse cell deterioration and radically extend human life. For its part, Peter Diamandisfounder of Singularity University, goes further: “If you survive the next 10 years, you are likely to live much more than you imagine.” Are we really prepared to live 100, 110 or 120 years?
And if the retirement lasts 30 or 40 years, how do we finance it?
And the numbers do not lie: Taking a dOllar at $ 1,200minimum retirement today is equivalent to approximately U $ 258 (July 2025). Although there is an extraordinary bonus of U $ S58It is not permanent. 63% of retirees and pensioners charge the minimum or less. 20 % are between one and two minimum assets and only 17 % exceed the two minimum assets, that is, more than U $ S516 monthly. Before this panorama, it is worth asking: would these amounts reach to live when the retirement age is reached? Is the formal retirement you would charge the only alternative you handle today?
Education and Financial Security
Today, financial security is not just an individual issue. Organizations have a real opportunity to make a difference. As? Ceasing to see retirement as a distant problem, and starting to build a culture where planning the long term is part of the day to day.
The collaborators expect more than a good salary. They want concrete tools: financial education, advice, access to savings and investment instruments. It’s not just about adding benefits. It’s about raising awareness. To help people project their life autonomy, even when they are no longer active. The companies that assume this role will not only be doing the right thing from the social. They will also be strengthening their value proposition. Because talent stays where purpose, accompaniment and future.
But the challenge is not exhausted in those in a dependency relationship. For those who work on their own: monotributistas, freelancers, entrepreneurs, the road is even more complex. There are no automatic contributions. There is no structure that expects them. There is only self -management: inform yourself on your own (or under the protection of certified professionals), decide and act. To design today a plan not to depend tomorrow on a system that surely can no longer sustain us, as I thought about it at first.
Financial planning is no longer a luxury. It is an urgent need. And the sooner you start, the greater the ability to choose how you will want to live in your future.
Will your retirement reach you to live? It is time to stop depending on the “maybe”, because everything indicates that your retirement … will retire before you.
* Managing Director of Pension & Benefits (P&B) of criteria, for Latin America.
Source: Ambito
David William is a talented author who has made a name for himself in the world of writing. He is a professional author who writes on a wide range of topics, from general interest to opinion news. David is currently working as a writer at 24 hours worlds where he brings his unique perspective and in-depth research to his articles, making them both informative and engaging.
