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Retirement Planning News 3 December 2025 - 21 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
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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

New Delhi, January 17, 2026, 14:24 IST India’s Employees’ Provident Fund Organisation (EPFO) is set to allow subscribers to transfer a portion of their provident fund savings directly into their bank accounts via the Unified Payments Interface (UPI) by April, a senior source told PTI. Subscribers will authenticate these transfers using their UPI PIN, the source added. (Moneycontrol) This change is significant for a retirement fund system that manages millions of withdrawals and complaints, with workers frequently needing cash urgently for things like illness, housing, or education. EPFO handles over five crore claims annually, mostly withdrawal-related. Officials say the move
17 January 2026
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India opens NPS pension funds to banks as new fee slabs start April 2026

India opens NPS pension funds to banks as new fee slabs start April 2026

NEW YORK, January 2, 2026, 05:26 ET India’s pension regulator has cleared scheduled commercial banks to sponsor and independently set up pension funds under the National Pension System, in a move aimed at boosting competition in the retirement savings market. The Pension Fund Regulatory and Development Authority (PFRDA) said the approval is “in principle” and subject to eligibility norms. https://www.pib.gov.in/PressReleasePage.aspx?PRID=2210396&lang=1&reg=3 The decision matters now because it opens a new line of business for banks beyond distributing pension accounts to directly managing retirement money, raising the prospect of sharper competition for fund mandates. It also puts banks in the same arena
2 January 2026
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Social Security COLA 2026 payments start now — January schedule, Medicare premium rise and $6,000 senior tax break

Social Security COLA 2026 payments start now — January schedule, Medicare premium rise and $6,000 senior tax break

NEW YORK, January 1, 2026, 09:46 ET Millions of Americans are starting 2026 with higher Social Security checks after a 2.8% cost-of-living adjustment began with January payments, the Social Security Administration said ( SSA).The adjustment covers about 75 million people receiving retirement, disability and Supplemental Security Income, or SSI, benefits, and SSI deposits began on Dec. 31 because Jan. 1 is a federal holiday. The timing matters because retirees track deposits closely around New Year’s Day, when closures can move payment dates.A consumer guide published this week laid out the January schedule and noted that Medicare premiums and tax rules
1 January 2026
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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
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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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Stock Market Today

Amazon’s $200B AI Spending Jolt Spurs Stock Selloff as Big Tech Capex Nears $650B

Amazon’s $200B AI Spending Jolt Spurs Stock Selloff as Big Tech Capex Nears $650B

7 February 2026
Amazon shares fell Friday after the company announced a $200 billion AI infrastructure plan for 2026, exceeding analyst expectations and reviving investor concerns about profitability. Combined 2026 capex flagged by Amazon, Alphabet, Microsoft, and Meta now tops $630 billion. Nvidia, AMD, and Broadcom shares surged on the news, while software and data firms remained under pressure.
Nvidia stock jumps nearly 8% as Big Tech AI spending bets lift chipmakers and Dow tops 50,000

Nvidia stock jumps nearly 8% as Big Tech AI spending bets lift chipmakers and Dow tops 50,000

7 February 2026
Nvidia surged 7.8% Friday, leading a chip stock rally that pushed the Dow above 50,000 for the first time. The PHLX semiconductor index gained 5.7% as Advanced Micro Devices rose 8.3% and Broadcom 7.1%. Amazon fell 5.6% after projecting $200 billion in 2026 capital spending. Investors weighed a $600 billion AI infrastructure outlay against sharp losses in software shares.
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