Retirement Savings

English Articles

The Hidden Risk in Japanese DC Pensions: Unintentional Concentration

Are you misunderstanding your DC plan's diversification? We reveal the reality of unintentional investment concentration in Japan and the dilemma of information provision. The piece presents a discussion on the next steps for DC system design, moving beyond the limits of education to systemically correct risk.
米国401(k)プラン

2026年の米国DC拠出限度額について

2026年の米国DC(確定拠出年金)とIRAの拠出限度額が発表されました。72,000ドルのトータル拠出枠、50歳以上のキャッチアップ拠出金、高所得者に対する新ルールなど、増額の背景と制度の特徴を分かりやすく解説します。日本のDC制度との比較にも役立ちます。
English Articles

How Trump Tariffs Are Affecting U.S. Retirement Savings

This article examines how Trump tariffs impact U.S. retirement savings. 401(k) plans show stability through automatic management, while IRAs reflect active, market-driven trading.
English Articles

The Expansion of Defined Contribution Pensions: Expectations and Issues

Japan is expanding Defined Contribution (DC) pensions. This article analyzes the expectations, issues, and future challenges of the new system.