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    <channel>
        <title>Retirement - NEWS BBVA</title>
        <atom:link href="https://www.bbva.com/en/financial-health/planning/retirement/feed/" rel="self" type="application/rss+xml" />
        <link>https://www.bbva.com/en/</link>
        <description>NEWS BBVA</description>
        <lastBuildDate>Sat, 13 Dec 2025 13:31:47 +0100</lastBuildDate>
        <language>en-US</language>
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                                <item>
                    <title>Three out of four millennials say the pension system needs to change</title>
                    <link>https://www.bbva.com/en/es/three-out-of-four-millennials-say-the-pension-system-needs-to-change/</link>
                    <pubDate>Wed, 11 Nov 2020 11:33:03 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Miguel Rodríguez Canfranc]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Retirement]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?p=813335</guid>
                                            <description>
                            <![CDATA[Nearly half of Spanish millennials (the generation born between 1978 and 1999) think that when they retire there will be no social security pension waiting for them, according to the BBVA pension institute's ninth annual survey. This helps to explain why three quarters (76%) of millennials believe the pension system needs a rethink. Only one in six respondents had started saving for retirement. Of those few, most use individual pension plans.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[Nearly half of Spanish millennials (the generation born between 1978 and 1999) think that when they retire there will be no social security pension waiting for them, according to the BBVA pension institute's ninth annual survey. This helps to explain why three quarters (76%) of millennials believe the pension system needs a rethink. Only one in six respondents had started saving for retirement. Of those few, most use individual pension plans.]]>
                        </content:encoded>
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                                <item>
                    <title>Saving for retirement: The greatest challenge facing Spanish baby boomers</title>
                    <link>https://www.bbva.com/en/saving-for-retirement-the-greatest-challenge-facing-spanish-baby-boomers/</link>
                    <pubDate>Thu, 26 Dec 2019 11:53:55 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Monica Coca (colaborador externo)]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Financial education]]>
                            </category>
                                                    <category>
                                <![CDATA[Responsible banking]]>
                            </category>
                                                    <category>
                                <![CDATA[Retirement]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?p=717625</guid>
                                            <description>
                            <![CDATA[The<a href="https://www.jubilaciondefuturo.es/encuesta2019/" target="_blank" rel="noopener"> 7th Survey on the Saving Habits of the Spanish Population</a>; prepared by<a href="https://www.jubilaciondefuturo.es/es/blog/firmas/instituto-bbva-de-pensiones/" target="_blank" rel="noopener"> Instituto BBVA de Pensiones-Mi Jubilación </a>(BBVA Retirement Pensions Institute – My Retirement), focuses on the Spanish baby boomer generation. The survey offers very revealing insights into the perception that people born between 1957 and 1977 (aged 42 to 62) have about their financial standing regarding their retirement. <a href="https://www.jubilaciondefuturo.es/es/blog/firmas/elisa-chulia/" target="_blank" rel="noopener">Elisa Chuliá,</a> a member of the Forum of Experts of the BBVA Retirement Institute has taken a deep look a the survey’s results to narrow down the financial traits that define this generation.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[The<a href="https://www.jubilaciondefuturo.es/encuesta2019/" target="_blank" rel="noopener"> 7th Survey on the Saving Habits of the Spanish Population</a>; prepared by<a href="https://www.jubilaciondefuturo.es/es/blog/firmas/instituto-bbva-de-pensiones/" target="_blank" rel="noopener"> Instituto BBVA de Pensiones-Mi Jubilación </a>(BBVA Retirement Pensions Institute – My Retirement), focuses on the Spanish baby boomer generation. The survey offers very revealing insights into the perception that people born between 1957 and 1977 (aged 42 to 62) have about their financial standing regarding their retirement. <a href="https://www.jubilaciondefuturo.es/es/blog/firmas/elisa-chulia/" target="_blank" rel="noopener">Elisa Chuliá,</a> a member of the Forum of Experts of the BBVA Retirement Institute has taken a deep look a the survey’s results to narrow down the financial traits that define this generation.]]>
                        </content:encoded>
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                                <item>
                    <title>The countries with the highest life expectancy are the worst prepared for retirement</title>
                    <link>https://www.bbva.com/en/the-countries-with-the-highest-life-expectancy-are-the-worst-prepared-for-retirement/</link>
                    <pubDate>Wed, 23 Jan 2019 01:09:23 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Monica Coca (colaborador externo)]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Financial education]]>
                            </category>
                                                    <category>
                                <![CDATA[Retirement]]>
                            </category>
                                                    <category>
                                <![CDATA[Sustainable Development Goals]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?p=602570</guid>
                                            <description>
                            <![CDATA[Japan and Spain, the countries with the world's highest life expectancies lag furthest behind when it comes to retirement planning, according to a <a href="https://www.aegon.es/-/nota_-estudio-jubilacion" target="_blank" rel="noopener">study prepared by insurance company Aegon International</a>. The experts warn about the enormous challenges posed by an aging population and the risks associated with not saving for the future.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[Japan and Spain, the countries with the world's highest life expectancies lag furthest behind when it comes to retirement planning, according to a <a href="https://www.aegon.es/-/nota_-estudio-jubilacion" target="_blank" rel="noopener">study prepared by insurance company Aegon International</a>. The experts warn about the enormous challenges posed by an aging population and the risks associated with not saving for the future.]]>
                        </content:encoded>
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                                <item>
                    <title>The start of business succession planning</title>
                    <link>https://www.bbva.com/en/start-business-succession-planning/</link>
                    <pubDate>Wed, 11 Jul 2018 20:05:18 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[al.ortiz]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Enterprises]]>
                            </category>
                                                    <category>
                                <![CDATA[Entrepreneurship &amp; Startups]]>
                            </category>
                                                    <category>
                                <![CDATA[Retirement]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?p=537377</guid>
                                            <description>
                            <![CDATA[Business owners have a responsibility to ensure quality services to their clients in order for their operations to thrive. For a majority of business owners, their business is what makes up most of their income and subsequently their net worth.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[Business owners have a responsibility to ensure quality services to their clients in order for their operations to thrive. For a majority of business owners, their business is what makes up most of their income and subsequently their net worth.]]>
                        </content:encoded>
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                                <item>
                    <title>Does your current life insurance coverage meet your needs?</title>
                    <link>https://www.bbva.com/en/does-your-current-life-insurance-coverage-meet-your-needs/</link>
                    <pubDate>Wed, 27 Jun 2018 18:42:50 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[al.ortiz]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Insurance]]>
                            </category>
                                                    <category>
                                <![CDATA[Personal finances]]>
                            </category>
                                                    <category>
                                <![CDATA[Retirement]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?p=527810</guid>
                                            <description>
                            <![CDATA[Unexpected life changes occur frequently, and with them come ripple effects that uncover even more twists and turns. The effects could be costly for your family – especially if you’re not around to help.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[Unexpected life changes occur frequently, and with them come ripple effects that uncover even more twists and turns. The effects could be costly for your family – especially if you’re not around to help.]]>
                        </content:encoded>
                                                        </item>
            
                                <item>
                    <title>José Antonio Herce: “Saving for retirement shouldn’t cause any more stress than being alive”</title>
                    <link>https://www.bbva.com/en/jose-antonio-herce-saving-retirement-shouldnt-cause-stress-alive/</link>
                    <pubDate>Thu, 05 Apr 2018 05:10:07 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Monica Coca (colaborador externo)]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Financial education]]>
                            </category>
                                                    <category>
                                <![CDATA[Responsible banking]]>
                            </category>
                                                    <category>
                                <![CDATA[Retirement]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?p=455225</guid>
                                            <description>
                            <![CDATA[Saving for retirement is a challenge, particularly when it’s far off. However it’s in your interest to plan for it to avoid stress and assure yourself adequate income when the time comes.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[Saving for retirement is a challenge, particularly when it’s far off. However it’s in your interest to plan for it to avoid stress and assure yourself adequate income when the time comes.]]>
                        </content:encoded>
                                                        </item>
            
                                <item>
                    <title>BBVA Asset Management: applying behavioral economics to portfolio construction</title>
                    <link>https://www.bbva.com/en/bbva-asset-management-applying-behavioral-economics-portfolio-construction/</link>
                    <pubDate>Fri, 02 Feb 2018 00:42:20 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Miguel Rodríguez Canfranc]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Bonds]]>
                            </category>
                                                    <category>
                                <![CDATA[Economic analysis]]>
                            </category>
                                                    <category>
                                <![CDATA[Economic forecasting]]>
                            </category>
                                                    <category>
                                <![CDATA[Economic indexes]]>
                            </category>
                                                    <category>
                                <![CDATA[Economy]]>
                            </category>
                                                    <category>
                                <![CDATA[Emerging markets]]>
                            </category>
                                                    <category>
                                <![CDATA[Events]]>
                            </category>
                                                    <category>
                                <![CDATA[Global markets]]>
                            </category>
                                                    <category>
                                <![CDATA[Gross domestic product]]>
                            </category>
                                                    <category>
                                <![CDATA[Inflation]]>
                            </category>
                                                    <category>
                                <![CDATA[Interest rates]]>
                            </category>
                                                    <category>
                                <![CDATA[Investment funds]]>
                            </category>
                                                    <category>
                                <![CDATA[Macroeconomics]]>
                            </category>
                                                    <category>
                                <![CDATA[Macroeconomics analysis]]>
                            </category>
                                                    <category>
                                <![CDATA[Pension funds]]>
                            </category>
                                                    <category>
                                <![CDATA[Retirement]]>
                            </category>
                                                    <category>
                                <![CDATA[Salaries and pensions]]>
                            </category>
                                                    <category>
                                <![CDATA[Stock exchange]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?p=409374</guid>
                                            <description>
                            <![CDATA[Over the past three years, the asset allocation team of <a href="https://www.bbvaassetmanagement.com/am/am/es/en/particular/index.jsp" target="_blank" rel="noopener">BBVA Asset Management</a> has overhauled its investment process to bring as much objectivity as possible to decision-making when building a portfolio. Based on the principles of behavioral economics, the new process aims to determine how the power of the mind affects financial decisions.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[Over the past three years, the asset allocation team of <a href="https://www.bbvaassetmanagement.com/am/am/es/en/particular/index.jsp" target="_blank" rel="noopener">BBVA Asset Management</a> has overhauled its investment process to bring as much objectivity as possible to decision-making when building a portfolio. Based on the principles of behavioral economics, the new process aims to determine how the power of the mind affects financial decisions.]]>
                        </content:encoded>
                                                        </item>
            
                                <item>
                    <title>Brexit speeds up the Capital Markets Union</title>
                    <link>https://www.bbva.com/en/brexit-speeds-capital-markets-union/</link>
                    <pubDate>Sun, 28 May 2017 23:33:29 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Carmen Álvarez]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Bank accounts]]>
                            </category>
                                                    <category>
                                <![CDATA[Bank deposits]]>
                            </category>
                                                    <category>
                                <![CDATA[Bank services]]>
                            </category>
                                                    <category>
                                <![CDATA[Banking]]>
                            </category>
                                                    <category>
                                <![CDATA[Economy]]>
                            </category>
                                                    <category>
                                <![CDATA[Enterprises]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial and commercial services]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial markets and monetary economics]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial products]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial regulations]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial system]]>
                            </category>
                                                    <category>
                                <![CDATA[Fintech]]>
                            </category>
                                                    <category>
                                <![CDATA[Retirement]]>
                            </category>
                                                    <category>
                                <![CDATA[SMEs]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/en/?p=330993</guid>
                                            <description>
                            <![CDATA[The European Union has finished the first half of its match to create a common capital market among the 27 EU member states. But there’s still a second half ahead, with obstacles such as how to continue the project without the United Kingdom.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[The European Union has finished the first half of its match to create a common capital market among the 27 EU member states. But there’s still a second half ahead, with obstacles such as how to continue the project without the United Kingdom.]]>
                        </content:encoded>
                                                        </item>
            
                                <item>
                    <title>'Young' at 65: redefining the threshold of old age and retirement</title>
                    <link>https://www.bbva.com/en/young-65-redefining-threshold-old-age-retirement/</link>
                    <pubDate>Wed, 05 Apr 2017 02:13:55 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Beatriz Díaz]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Health]]>
                            </category>
                                                    <category>
                                <![CDATA[People]]>
                            </category>
                                                    <category>
                                <![CDATA[Research]]>
                            </category>
                                                    <category>
                                <![CDATA[Retirement]]>
                            </category>
                                                    <category>
                                <![CDATA[The elderly]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/en/?p=324481</guid>
                                            <description>
                            <![CDATA[The debates about potential impact of ageing for institutions and economies, the fiscal sustainability of the pension and welfare systems are based on a convention that was established one century ago: the definition of 65 years as the fixed threshold at which old age and economic dependency begins.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[The debates about potential impact of ageing for institutions and economies, the fiscal sustainability of the pension and welfare systems are based on a convention that was established one century ago: the definition of 65 years as the fixed threshold at which old age and economic dependency begins.]]>
                        </content:encoded>
                                                        </item>
            
                                <item>
                    <title>Financial inclusion in Uruguay</title>
                    <link>https://www.bbva.com/en/financial-inclusion-uruguay/</link>
                    <pubDate>Fri, 31 Mar 2017 01:59:52 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[blanca.villamor]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Bank cards]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial inclusion]]>
                            </category>
                                                    <category>
                                <![CDATA[Loans and credits]]>
                            </category>
                                                    <category>
                                <![CDATA[Personal finances]]>
                            </category>
                                                    <category>
                                <![CDATA[Retirement]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/en/?p=324803</guid>
                                            <description>
                            <![CDATA[On 2014, a series of standards were passed that aimed to significantly boost financial inclusion levels. The initial and pivotal element was the <a href="http://inclusionfinanciera.mef.gub.uy/">Financial Inclusion Act</a>, which builds on three pillars:]]>
                        </description>
                        <content:encoded>
                            <![CDATA[On 2014, a series of standards were passed that aimed to significantly boost financial inclusion levels. The initial and pivotal element was the <a href="http://inclusionfinanciera.mef.gub.uy/">Financial Inclusion Act</a>, which builds on three pillars:]]>
                        </content:encoded>
                                                        </item>
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