6 Consequences of a 40-Year Retirement Horizon
November 26, 2025 by John Manganaro
Manulife John Hancock has published its 11th annual Financial Resilience and Longevity Report, building on its ongoing collaboration with the MIT AgeLab and the recently published Longevity Preparedness Index.
As the report details, the number of centenarians is increasing steadily here in the United States, meaning the prospect of a four-decade retirement journey is becoming the norm. At the same time, workers are retiring earlier than planned — further lengthening retirement and adding to the challenge of adequate financial preparation for life after work.
Wink’s Moore on the Market: Is a four-decade retirement journey becoming the norm?
It is according to the MIT AgeLab and the recently published Longevity Preparedness Index.
Aimee DeCamillo of Manulife John Hancock indicates that “People are living longer than ever, and there’s an opportunity and increased need…in preparing for a longer retirement.”
Annuities, anyone?
While this article focuses on worksite solutions, I believe it drives home the importance of planning for a long retirement horizon. Annuities are strategically-designed to address this issue. -sjm
