The U.S. scored around 60–63 out of 100 in the Mercer/CFA Institute Global Pension Index, landing well below top performers like the Netherlands and Denmark.
Workers face a patchwork of retirement options—Social Security, employer plans, and personal savings—but not everyone qualifies or contributes consistently.
Early withdrawals and loose regulations have eroded savings before retirement. Plus, Social Security's long-term solvency remains uncertain.
The system’s structure creates retirement inequality: not all workers have access to solid pension plans, and many rely on unstable savings tools.
What’s Broken—and Why It Matters
The C+ isn’t a fail, but it’s a wake-up call. Without changes, we risk leaving millions unprepared for retirement—and jeopardizing public trust in the system. This isn't just economics—it’s a cross-generational policy challenge.
The Retirement Reroute We Need
Scores are reminders—but we’re at the crossroads. It’s time for smarter policy design, better access to savings tools, and meaningful fixes—not fixes that come too late.
