Retirement Planning

Learn more about how we can help investors take the next step

coworkers talking in a meeting

The right investment plan is key to a comfortable retirement

 

When planning for the future, retirement is often at the forefront of people’s mind.

In fact, 4 out of 10 individuals cite a comfortable retirement as a key driver for their investment decisions1. However, there is a persistent reliance on cash, with a significant 34% of savings in the EU held in cash2

This indicates that many investors are missing out on potential higher returns, and a majority (54%) still need to take action regarding their retirement plans1.  

Guide your clients in taking the next step in their retirement planning journey. 

A demographic challenge - are investors ready?

average life expectancy

Developed countries are facing demographic challenges with an ageing population and declining birth rates, setting them apart from emerging markets. The average fertility rate has steadily decreased over time, and is now significantly below the renewal threshold3


Concurrently, the average life expectancy in the European Union reached 80.1 years in 2021, but healthy life expectancy lags at 63.6 years4. This indicates that while people are living longer, they are not necessarily living healthier lives.


These demographics shifts significantly impact national policies, as the proportion of elderly individuals in the population increases relative to working-age population capable of financing pensions. The pressure on pension financing is mounting, potentially widening the funding gap. Consequently, households will need to save more for their retirement, particularly in certain countries. Investors must prepare for their future.

Supporting investors on their retirement journey

Given these challenges, it’s unsurprising that many individuals lack confidence in their ability to maintain a comfortable standard of living solely through public and occupational pension schemes. Many express significant concerns about this issue.


The good news is that 48% of global investors recognize the value of investments – such as stocks, bonds, and mutual funds - as a means to achieve a comfortable retirement1. At Amundi, we can assist them in saving or reallocating their savings to more targeted investment strategies or retirement plans with tax benefits.

Supporting investors on their retirement journey

48%  of global  investors  recognize the value of  investments to achieve a comfortable retirement1

Private savings plans are a key pillar 

Blurred business people walking in the lobby of a modern office building.

Governments have long prioritised this topic, and many countries have introduced reforms to encourage private savings by offering tax incentives for voluntary pension contributions or automatic enrolment in pension plans.
 

Several academic studies have demonstrated the positive impact of these initiatives, with a switch from voluntary to automatic enrolment schemes potentially doubling the uptake of retirement savings plans5.   

 

According to the Amundi Investment Institute3, encouraging automatic contributions from employers to retirement plans may be more effective in supporting a wider range of individuals to invest in the long term. Investors should be proactive and start or review their retirement plans today to address the income gap and work towards a comfortable retirement.

What are the benefits of having a retirement plan?  

Why Amundi

Committed to supporting investors in achieving their retirement goals while navigating market fluctuations through diversification5 and multiple investment options.


Ranked as the number 1 European asset manager among the top 10 global players6.


Leading provider for pension funds, managing group pension schemes for over 370 clients, with a total of 145 billion in assets7

Explore our Investment Solutions

Our multi-asset strategies are designed to provide investors with access to a wide array of asset classes. Through our diversified* portfolios, we aim to help investors achieve their objectives with lower levels of volatility compared to exposure to a single asset class. 
At Amundi, we offer multi-asset solutions that are allocation-driven, outcome-oriented, and focused on responsible investing, along with bespoke advisory services.

By leveraging the expertise of our investment professionals around the globe, we aim to assist clients in navigating the challenges of bond markets and seizing the best opportunities.
We provide a comprehensive range of fixed income investment strategies, from fundamental to rule-based, and from active to buy & maintain approaches, all complemented with bespoke solutions.

At the heart of our approach is the belief that alpha can be generated through a high-conviction, disciplined, and repeatable investment process. 
Using bottom-up, fundamental stock selection, our equity strategies have a proven track record of delivering strong risk-adjusted returns over their investment horizon.

Through Amundi Alternative & Real Assets (ARA), we aim to make private markets accessible to both institutional and retail clients by investing in a broad investment universe, including direct investments, funds of funds, and third-party manager selection. 
We offer an extensive range of investment solutions in real estate, private debt, private equity, infrastructure, multi-management, and alternative assets.

At Amundi, we are a significant force in liquidity solutions management, both in Europe and globally. Adopting a conservative approach, we offer well-suited solutions for investors seeking products that balance liquidity and performance amid market uncertainties. 
Our liquidity offering caters to all types of investors, featuring both open-ended funds in Euros and US Dollars and customized mandates.

With extensive experience in benchmark construction and replication, we are a trusted leader in ETF and index management, and recognised as pioneers in smart beta and factor investing.
Our platform offers one of the largest ranges of responsible ETFs, including a wide selection of ESG and climate products. We also provide flexible solutions to meet investors’ specific needs.

Our model portfolios, which consist of actively managed portfolios in open or closed architecture, include a selection of the best investment vehicles applied to multiple universes – whether in-house or third-party active funds or ETFs. 
We offer a full spectrum of ready-to-implement allocations, including risk profile, ESG, multi-thematic, and climate portfolio, adaptable to different risk tolerances, investment horizons, and wealth needs.

Financial advisors can play a key role  

in guiding investors through the retirement process by offering personalised advice to help reach retirement goals.

Discover more

1 Amundi Decoding Digital Report 2025 (global base of 11,355 respondents).

2 New Financial, The future of pensions and retail investment in the EU, June 2024. 

3 Amundi Investment Institute, The Patchwork of Eurozone Pension Systems and Budget Constraints: Lessons for Savers, January 2025. Analysis based on Eurostat data as of April 2024 across 6 countries.

4 Eurostat, Statistics Explained – SDG3: Good Health and well-being, April 2024.

5 Diversification does not guarantee a profit or protect against a loss.

6 IPE Top 500 Asset Managers published in June 2024, based on assets under management as at 31/12/2023. 

7 Amundi, as of end December 2024.

Unless otherwise stated, all information contained in this document is from Amundi Asset Management S.A.S. and is as of 9 May 2025. *Diversification does not guarantee a profit or protect against a loss. The views expressed regarding market and economic trends are those of the author and not necessarily Amundi Asset Management S.A.S. and are subject to change at any time based on market and other conditions, and there can be no assurance that countries, markets or sectors will perform as expected. These views should not be relied upon as investment advice, a security recommendation, or as an indication of trading for any Amundi product. This material does not constitute an offer or solicitation to buy or sell any security, fund units or services. Investment involves risks, including market, political, liquidity and currency risks. Past performance is not a guarantee or indicative of future results.

Date of first use: 9 May 2025
Doc ID: 4363621

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