Regulation

Introduction Supplementary pensions are under review in Europe. With demographic pressures weighing on public pensions, the European Commission has launched a targeted consultation on supplementary pensions (2025) to explore ways of improving occupational and personal retirement provision. At LifeGoals, we have actively engaged in this consultation. As both a cross-border IORP and one of Europe’s […]

The Pan-European Personal Pension Product (PEPP) was launched with an ambitious vision: to create a simple, portable, and transparent retirement savings product that works across the European Union. Designed to complement national pension systems, the PEPP promised to address demographic challenges, support labour mobility, and channel household savings into sustainable long-term investments. Yet, more than