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Retirement Planning News 26 November 2025 - 22 January 2026

EPFO 3.0 is coming: PF withdrawals via UPI by April, Rs 25,000 cap and a new portal in the works

EPFO 3.0 is coming: PF withdrawals via UPI by April, Rs 25,000 cap and a new portal in the works

India’s EPFO plans to allow provident fund withdrawals via UPI through the BHIM app from April, capping transactions at Rs 25,000 each, officials told Indian Express. The move is part of a broader “EPFO 3.0” tech overhaul, including a new portal and core banking backend. The system is being built with C-DAC, NPCI, and SBI. A tender for the IT platform is in final vetting, with Wipro, Infosys, and TCS shortlisted.
22 January 2026
India extends Atal Pension Yojana to FY31, keeps gap funding in play for 86.6 million subscribers

India extends Atal Pension Yojana to FY31, keeps gap funding in play for 86.6 million subscribers

India’s cabinet approved the extension of the Atal Pension Yojana through FY2030-31, maintaining government funding for outreach and “gap funding” to support the scheme. The plan offers a guaranteed monthly pension of 1,000–5,000 rupees from age 60. Enrolment stands at over 86.6 million as of January 2026. The extension aims to sustain coverage for low-income, informal-sector workers.
21 January 2026
EPFO’s UPI withdrawal plan could roll out by April — plus “Suvidha” helpers to fix PF snags

EPFO’s UPI withdrawal plan could roll out by April — plus “Suvidha” helpers to fix PF snags

India’s EPFO will enable provident fund withdrawals via UPI by April, allowing direct transfers to members’ bank accounts with UPI PIN authentication, officials said Friday. The agency is piloting licensed “Suvidha Providers” to help members file claims and resolve issues. Faster processing will still require verified KYC and fraud safeguards. A Central Board of Trustees meeting in February will review the proposals.
17 January 2026
Canada’s 2026 TFSA limit is $7,000 as tax brackets rise: key CRA dates ahead

Canada’s 2026 TFSA limit is $7,000 as tax brackets rise: key CRA dates ahead

NEW YORK, December 30, 2025, 11:34 ET Canada’s federal income tax brackets for 2026 will rise 2% with inflation and the lowest federal rate will be 14%, Canada Revenue Agency payroll tables show. The first bracket runs to C$58,523 and the top threshold begins at C$258,482, the tables show. Canada Why it matters now: employers set January payroll withholdings in days, and households are already lining up their first-quarter cash flows and registered-account contributions. The new year also brings a fresh set of deadlines for the 2025 tax season. Missing a filing date or misreading contribution room can quickly turn
30 December 2025
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Kevin O’Leary’s $15 salad warning: Shark Tank star says lunch splurges can drain $500,000 from retirement

Kevin O’Leary’s $15 salad warning: Shark Tank star says lunch splurges can drain $500,000 from retirement

NEW YORK, December 30, 2025, 11:00 ET Kevin O’Leary said people who insist they cannot afford to invest often make room in their budgets for recurring small purchases, including what he called $15 lunch salads. “People tell me they don’t have money to invest. And then I watch them spend $15 on a salad for lunch,” O’Leary said in a YouTube video this month. Benzinga The message is landing as households keep looking for ways to stretch paychecks, even as everyday costs remain a top concern. The latest annual Consumer Expenditure Survey from the U.S. Bureau of Labor Statistics —
30 December 2025
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France Pension 2026: Official Minimum Contributory Pension (MiCo) Levels and Payment Dates for CNAV, Agirc‑Arrco, SRE, CNRACL and Ircantec

France Pension 2026: Official Minimum Contributory Pension (MiCo) Levels and Payment Dates for CNAV, Agirc‑Arrco, SRE, CNRACL and Ircantec

As France moves into 2026, retirees and soon‑to‑retire workers are watching two practical questions more closely than any political debate: how low can your pension legally be if you retire “at full rate” (taux plein)—and on what exact dates will the money arrive? Official publications now pin down both the minimum contributory pension thresholds (the minimum contributif, or MiCo) and the 2026 payment calendars across the main schemes. Meanwhile, base pensions are also set to rise on 1 January 2026, following the legal inflation indexation rule. Service Public+1 Below is a clear, publication‑ready guide—grounded in official schedules and circulars—covering the
28 December 2025
CPP Increase 2026: Canada Pension Plan Payments Rise 2%—Official Payment Dates, New Contribution Ceilings, and What “Revalorisation” Really Means

CPP Increase 2026: Canada Pension Plan Payments Rise 2%—Official Payment Dates, New Contribution Ceilings, and What “Revalorisation” Really Means

Canadians who rely on the Canada Pension Plan (CPP) are set to see a bigger monthly deposit starting in January 2026—an increase tied to inflation, not a one-time bonus. Service Canada’s official CPI adjustment confirms that CPP benefits paid in 2025 will increase by 2.0% for 2026, applying from January through December 2026. Canada That timing matters for household budgets: the first CPP payment that reflects the 2026 increase is scheduled for January 28, 2026, and payments continue monthly on set dates through the year. Canada+1 Below is what’s changing, what’s not, and how to check your updated amount—plus why
27 December 2025
Canada Tax Changes 2026: New Federal Tax Brackets, 14% Rate Cut, TFSA & RRSP Limits, CPP and EI Updates

Canada Tax Changes 2026: New Federal Tax Brackets, 14% Rate Cut, TFSA & RRSP Limits, CPP and EI Updates

As Canada heads into 2026, the tax story is less about one dramatic overhaul—and more about a cluster of meaningful “moving parts” that will show up in paycheques, contribution room, and planning decisions throughout the year. The headline change is a lower federal tax rate on the first slice of taxable income. But Canadians will also see inflation-adjusted bracket thresholds, updated registered-account limits (TFSA and RRSP), higher CPP ceilings (including CPP2 for higher earners), and a fresh round of Employment Insurance updates. Meanwhile, ahead of the 2026 filing season, the Canada Revenue Agency (CRA) has been under pressure to improve
27 December 2025
CPP Investments Pushes Back on Co‑Investment Fees as Retail Money Reshapes Private Equity—And Why Canadians Debating CPP at 60 Should Care

CPP Investments Pushes Back on Co‑Investment Fees as Retail Money Reshapes Private Equity—And Why Canadians Debating CPP at 60 Should Care

SEO meta description: Canada’s CPP Investments is signaling it may walk away from private equity managers that charge fees on co‑investments, as retail capital squeezes traditional LP perks. Here’s what’s changing in private markets—and what it means for Canadians weighing when to start CPP benefits. TORONTO / NEW YORK — December 12, 2025 — A once-quiet perk of the private equity world is turning into a front‑page dispute: who gets access to co‑investments, and at what cost. For decades, large pensions and endowments were often offered fee‑free co‑investment opportunities—the chance to invest directly alongside a buyout fund in a specific
12 December 2025
UK ‘Two‑Tier State Pension’ Row: What Rachel Reeves’ Autumn Budget 2025 Means for Your Taxes and Retirement

UK ‘Two‑Tier State Pension’ Row: What Rachel Reeves’ Autumn Budget 2025 Means for Your Taxes and Retirement

The UK state pension has jumped to the top of the political and financial agenda again – not because of the usual triple‑lock debate, but because of a controversial new promise that risks creating what critics call a “two‑tier state pension”. Following the Autumn Budget 2025, Chancellor Rachel Reeves has confirmed that pensioners whose only income is the state pension will not pay income tax on it during this Parliament. Everyone else – including people with even a modest private pension or small top‑ups – will still be taxed in the usual way. Pensions Age+1 At the same time, the
7 December 2025
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Vanguard’s Grim 10‑Year Forecast Puts the 4% Retirement Rule at Risk — What Retirees Should Do Now

Vanguard’s Grim 10‑Year Forecast Puts the 4% Retirement Rule at Risk — What Retirees Should Do Now

Published: December 3, 2025 If you retired planning to “just follow the 4% rule,” today’s headlines should make you sit up. Vanguard’s latest capital markets outlook projects that U.S. stocks may return only about 2.8%–4.8% a year over the next decade, while high‑quality bonds are expected to earn around 4.3%–5.3% annually. PR Newswire+1 At the same time, a MarketWatch column published this morning warns that a “lost decade” of low stock returns could be devastating for retirees who keep withdrawing a fixed 4% a year regardless of market conditions. MarketWatch+1 Layer on the demographic reality: about 11,400 Americans are turning 65 every single day in 2025,
3 December 2025
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Canada 2026 Tax Brackets and CRA Changes: New Rates, CPP/EI, TFSA and RRSP Limits Explained

Canada 2026 Tax Brackets and CRA Changes: New Rates, CPP/EI, TFSA and RRSP Limits Explained

As of December 3, 2025, Canadians finally have a clear picture of what their 2026 tax year will look like. The Canada Revenue Agency (CRA) has published its 2026 indexation fact sheet, and Ottawa’s “middle‑class tax cut” is beginning to filter through the numbers.Canada+1 Since November 27, Jamie Golombek’s deep‑dive on the new CRA figures, CTV News’ explainer on how much you’ll be taxed in 2026, and a fresh Global News story on December 2 about changing federal tax brackets have all pushed these changes into the headlines.Jamie Golombek+2iask.ca+2 Here’s a detailed breakdown of what’s changing — and what it
3 December 2025
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Legal & General Group Plc (LGEN) Stock on 3 December 2025: High‑Yield FTSE 100 Giant Between Reform, Risk and Record PRT Deals

Legal & General Group Plc (LGEN) Stock on 3 December 2025: High‑Yield FTSE 100 Giant Between Reform, Risk and Record PRT Deals

Published: 3 December 2025 Legal & General Group Plc (LON: LGEN) is finishing 2025 as one of the most debated stocks in the FTSE 100: a near‑9% dividend yield, strong pension‑risk‑transfer (PRT) momentum, but also high leverage and a still‑unconvinced slice of the analyst community. As of the London close on 3 December 2025, Legal & General shares changed hands around 248p, within a 52‑week range of 206.8p to 266.2p and with a sell/buy quote of roughly 248.3p/248.5p. That leaves the stock mid‑range in its one‑year band and modestly up on the year, with a market capitalisation just under £14bn.
3 December 2025
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Fidelity Investments 2025: Stablecoin Tests, 401(k) Access Fight and What Comes Next for a $17.5 Trillion Giant

Fidelity Investments 2025: Stablecoin Tests, 401(k) Access Fight and What Comes Next for a $17.5 Trillion Giant

Updated: December 2, 2025 – This article reflects information available as of this date and may not capture later developments. Nothing here is individual investment advice. Key Takeaways 1. Where Fidelity Investments Stands in Late 2025 Fidelity Investments, still privately held by the Johnson family and employees, remains one of the world’s largest asset managers. As of its Q3 2025 business update, the firm reported: About Fidelity+2Fidelity Newsroom+2 The firm says it employs more than 78,000 people worldwide and has been privately held for 79 years. Fidelity Newsroom+1 A recent Financial Times profile underscored Fidelity’s unusually dominant role in U.S.
2 December 2025
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December 2025 Social Security Payments: Double SSI Checks, 2026 COLA Raise and All the Key Dates Retirees Must Know

December 2025 Social Security Payments: Double SSI Checks, 2026 COLA Raise and All the Key Dates Retirees Must Know

As of November 30, 2025, December is shaping up to be one of the most important months of the year for people who rely on Social Security and Supplemental Security Income (SSI). Here’s what’s happening, all at once: Below is a clear, news‑style breakdown you can actually plan around. December 2025 Social Security and SSI Payment Schedule The Social Security Administration (SSA) follows the same basic pattern every month: For December 2025, multiple outlets including NorthJersey/USA TODAY and The Economic Times have laid out the dates, which match SSA’s official calendar. North Jersey Media Group+2The Economic Times+2 The exact December 2025 dates SSI payments That means two
30 November 2025
UK State Pension Tax: Reeves Pledges No Income Tax for Pension-Only Retirees

UK State Pension Tax: Reeves Pledges No Income Tax for Pension-Only Retirees

On 29 November 2025, the UK government moved to calm pensioner anxiety after a tax-heavy Budget sparked fears that millions of retirees could soon face income tax bills purely because of the state pension. Chancellor Rachel Reeves has now pledged that people whose only income is the state pension will not pay income tax during this parliament, even once the full new state pension rises above the frozen personal allowance.The Guardian+1 The promise, reported across the BBC, The Guardian and The Telegraph, has been followed today by detailed analysis and criticism in publications including The Times and the Financial Times,
29 November 2025
As Baby Boomers “Un‑Retire,” Gen Z Races to Save: 2025 Data Reveals the New ‘Perfect’ Retirement Age

As Baby Boomers “Un‑Retire,” Gen Z Races to Save: 2025 Data Reveals the New ‘Perfect’ Retirement Age

Published: November 27, 2025 Rising living costs are pushing many baby boomers back into the workforce just as a new generation is quietly turning retirement planning into a core life goal. Fresh surveys released this week — plus recent comments from Robinhood CEO Vlad Tenev — reveal a sharp generational divide: older Americans are struggling to stay retired, while Gen Z is opening retirement accounts in their teens and twenties and dreaming of quitting work years earlier than their parents. Fortune+2The Economic Times+2 At the same time, today’s research shows that governments and policymakers are moving the finish line: official
27 November 2025
US Pensions and Social Security Today (November 26, 2025): Final November Checks, 2026 Benefit Changes and Retirement Age Rules Explained

US Pensions and Social Security Today (November 26, 2025): Final November Checks, 2026 Benefit Changes and Retirement Age Rules Explained

On Wednesday, November 26, 2025, the last wave of November Social Security payments lands in U.S. bank accounts, just as major 2026 rule changes, new legislation in Congress, and fresh pension funding data reshape the retirement conversation across America. Congress.gov+4The Economic Times+4The Times of India+4 Here’s a clear look at what’s happening right now and what it means for your pension, Social Security check, and retirement age planning. Key takeaways for November 26, 2025 Final November Social Security checks land today Today’s payment is the third and final round of November 2025 Social Security checks. If your birthday falls between the 21st and 31st, your
26 November 2025
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Stock Market Today

Energy stocks set for a geopolitical week after Iran warning and oil rebound

Energy stocks set for a geopolitical week after Iran warning and oil rebound

7 February 2026
U.S. energy stocks rose Friday, with the S&P 500 energy sector up 1.88% and Exxon Mobil gaining 2.03%. Brent crude settled at $68.05 a barrel after Iran threatened U.S. bases if attacked. Saudi Aramco cut March Arab Light crude prices to a five-year low for Asia. Kazakhstan’s CPC Blend exports may drop 35% this month due to Tengiz oilfield disruptions.
Financial services stocks rally as XLF jumps, Dow hits 50,000 — what to watch next week

Financial services stocks rally as XLF jumps, Dow hits 50,000 — what to watch next week

7 February 2026
U.S. financial stocks rose Friday, with the XLF fund up 1.8% and the Dow closing above 50,000 for the first time, gaining 2.47%. Goldman Sachs jumped 4.3%, JPMorgan 3.9%, and Citigroup 6.0%. The Federal Reserve held rates steady, and San Francisco Fed President Mary Daly signaled possible cuts this year. Investors await January jobs and inflation data next week.
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