Retirement Insights for 2025

This document is a report detailing insights and projections for retirement in 2025. It outlines various factors affecting markets, including the US Federal Reserve's recent rate cuts and their implications for fixed income and equity markets. The report presents findings from the MFS Global Retirement Survey, highlighting the confidence levels of participants versus retirees regarding retirement readiness. It discusses the disconnect between participant expectations and actual retiree experiences, suggesting that employers may need to implement policies to support older workers. Additionally, the report identifies key areas of focus for plan sponsors in 2025, including the adoption of SECURE 2.0 provisions and the evaluation of investment lineups. It also addresses the changing regulatory landscape and ongoing litigation risks that could impact retirement plans. The report emphasizes the importance of understanding these dynamics to improve participant confidence and overall retirement preparedness.