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Retirement Planning News 7 December 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
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
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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Stock Market Today

Kenvue stock price holds near $18 as Kimberly-Clark deal math tightens — what to watch next week

Kenvue stock price holds near $18 as Kimberly-Clark deal math tightens — what to watch next week

7 February 2026
Kenvue shares closed Friday at $18.13, up 0.33%, with about 63.5 million shares traded. The Kimberly-Clark offer values Kenvue at roughly $18.76 per share, leaving a deal spread of about 3%. Both companies’ shareholders approved the merger, which is expected to close in the second half of 2026 pending regulatory approvals. Kenvue’s dividend record date is Feb. 11, with earnings due Feb. 17.
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