Retirement Planning

Learn more about how we can help investors take the next step

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A comfortable retirement is important for investors globally

 

4 out of 10 people cite a comfortable retirement as a key driver in their decision to invest2. Yet, people have a stubborn reliance on cash with a massive 34% of savings in the EU held in cash1. 

Investors are missing out on potential higher returns and 54% of them still need to take action with their retirement plans2.  

Take the next step with your clients today on their retirement plans. 

A demographic timebomb - are investors prepared?

average life expectancy

With increased life expectancy and declining birth rates, we have a demographic challenge. The average fertility rate has reduced from 1.5 in 2000 to 1.4 in 20243 across 6 European countries and is significantly below the 2.1 renewal threshold. We have an increasing proportion of elderly people in the population relative to the number of working individuals capable of financing pensions. The pressure on pension financing is mounting and will potentially widen the funding gap. 


In 2021, the average life expectancy in the EU was 80.1 years, with a healthy life expectancy of 63.6 years. This suggests that people are living longer, but not necessarily healthier, putting additional strain on pension systems. Households will have to save more for their retirement, especially in some countries. Investors need to prepare for their future.

We can help investors on their retirement journey

We understand that individuals often lack confidence in their ability to sustain a comfortable standard of living solely through their public and occupational schemes. In fact, many express significant concerns regarding this matter.

  

The good news is that 48% of global investors value investments (stocks, bonds, mutual funds) as a means to achieving a comfortable retirement4. We can help these investors to save or switch their savings to more targeted investment strategies or retirement plans with tax benefits. 

We can help investors on their retirement journey

48% of global investors value investments to achieve a comfortable retirement

Private savings plans are a key pillar 

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Many countries have introduced reforms to encourage private saving by providing tax incentives for voluntary pension contributions or automatic enrolment in pension plans.

 

Several academic studies have shown that switching from a voluntary to an automatic enrolment scheme can double the take up of retirement savings plans5. 

  

In fact, encouraging automatic contributions from employers to retirement plans may be a more effective to support a wider range of individuals to invest in the long term, according to the Amundi Investment Institute. Investors should start or review their retirement plans today to address the income gap and build towards a comfortable retirement.

What are the benefits of having a retirement plan?  

Why Amundi

Committed to helping you achieve retirement goals and navigating the market changes of portfolios through diversification and multiple investment options.


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Financial advisors can play a key role  

in guiding investors through the retirement process by offering personalised advice to help reach retirement goals.

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1 The future of pensions and retail investment in EU (New Financial) 2024 06

2 Decoding Digital Report (global base of 11,355)

3 Eurostat data as of April 2024 across 6 countries studied.

4 Decoding Digital Report (global base of 11,355 respondents)

5 See experiments conducted in the US and UK by Madrian and Shea (2001), Beshears et al. (2009), and Berk et al. (2024)
 

Unless otherwise stated, all information contained in this document is from Amundi Asset Management S.A.S. and is as of 26 March 2025. Diversification does not guarantee a profit or protect against a loss. The views expressed regarding market and economic trends are those of the author and not necessarily Amundi Asset Management S.A.S. and are subject to change at any time based on market and other conditions, and there can be no assurance that countries, markets or sectors will perform as expected. These views should not be relied upon as investment advice, a security recommendation, or as an indication of trading for any Amundi product. This material does not constitute an offer or solicitation to buy or sell any security, fund units or services. Investment involves risks, including market, political, liquidity and currency risks. Past performance is not a guarantee or indicative of future results.

Date of first use: 26 March 2025
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