Retirement Card

A) Retirements in Collapse

KW: Individual

"It's dangerous to make predictions, particularly about the future", thus suggests a Danish adage. Given that this subject is as important as it is distant, it makes sense why we see such inertia when we talk to people about their retirement.

Listen to the explanation (podcast - pt version only)

B) Saving + Future = Retirement

KW: Planning

The path to every destiny, be it near or distant, always start with a first step. As such, the quality of life in retirement begins to be built from the moment when you first gain consciousness of this convenient goal. Only after that moment can you start making the little decisions that will improve your retirement quality in the future.

Listen to the explanation (podcast - pt version only)

C) Hoping for Retirement vs. Dreaming of Retirement

KW: Building

To develop a quality retirement you will need more than hope and faith. To hope for retirement means to renounce in being an active agent in your future. Blind trust in Social Security will not bring any good to your future aspirations. While certainly not being more tangible in its genesis, the dream has the advantage of serving as an objective. An objective that makes the individual responsible for its actions, with the reward being the possibility of it becoming reality.

Listen to the explanation (podcast - pt version only)

D) Solidarity

KW: Intergenerational Balance

The last decades were characterized by the pursuit of adding more years to human life. A more challenging mission is to add more quality of life to those years. In an outdated and indigent present model, the active taxpayers are paying the retirement of the pensioners. We find this to be a potentially unsustainable ticking bomb, which urges for an alternative that guarantees an equilibrium point for both the beneficiaries and the contributors of this system.

Listen to the explanation (podcast - pt version only)

E) Demographic Changes

KW: An Upcoming Dilemma

Demography is an obstacle to the sustainability of the Portuguese Social Security Retirement system - a complex challenge that may feature more than one solution.This inescapable difficulty will depend on the urgency given to it, by each and everyone one of the agents that choose to intervene in this common problem.

Listen to the explanation (podcast - pt version only)

F) Santa Casa da Misericórdia. An Utopic Welfare Model

KW: Volunteering

Built on the efforts of the previous generations, today we witness the birth of the best-prepared generation ever - which might just become a complex problem. Migration has always been the most immediate solution to economic problems in Portugal. With the initiative and merit of these young professionals being recognized abroad, it's up to Portugal to give the necessary conditions for them to develop and reach their dreams without needing to leave their homeland. On the reverse side, digital nomads are an increasing trend that is seizing the opportunities of working "abroad" while living in Portugal. This is a chance to turn a complex problem into an interesting opportunity.

Listen to the explanation (podcast - pt version only)

G) Private Sector and the Pension System

KW: Commitment

The employer is at odds with a growing problem, at a global scale: the fight for talent. The participation of the Private Sector in the Pension System is both an opportunity - growing a sense of loyalty among their human capital - and a duty - assuming a social commitment for well being of their workers. This is a chance for private companies in the vanguard to make a change.

Listen to the explanation (podcast - pt version only)

H) Talent Retention

KW: Competitiveness vs. Opportunity

Built on the efforts of the previous generations, today we witness the birth of the best-prepared generation ever - which might just become a complex problem. Migration has always been the most immediate solution to economic problems in Portugal. With the initiative and merit of these young professionals being recognized abroad, it's up to Portugal to give the necessary conditions for them to develop and reach their dreams without needing to leave their homeland.
On the reverse side, digital nomads are an increasing trend that is seizing the opportunities of working "abroad" while living in Portugal.
This is a chance to turn a complex problem into an interesting opportunity.

Listen to the explanation (podcast - pt version only)