Our Scans · (FS.6.06) Personal Finance · Weekly Summary

• [New] With further purchasing power increases, due to high wage growth and easing inflation, we expect private consumption to continue expanding in 2025. / Germany ABN AMRO Bank
• [New] A long-term plan has been developed that will gradually increase the federal minimum wage to $15 per hour by 2030. / USA jukusai-kgu.com
• [New] Ageing and financial concerns: More than four-in-ten U.S. adults under 65 are not confident they will have enough income and assets to last through their retirement years or say that they will not be able to retire at all. Pew Research Center
• [New] Two-thirds of fintech professionals cited salary as their top reason for changing jobs, but 70% of employers reported that cost optimization and budget constraints would heavily influence their 2026 hiring strategies. ST
• [New] Economists expect another rate cut in December, which, along with a shift in the Fed's balance sheet strategy, could further ease mortgage rates and improve housing affordability, thereby boosting demand. Stessa
• [New] Bank of America's Personal Retirement Strategy is an existing online investment advisory programme that uses a probabilistic approach to determine how likely participants will accumulate sufficient total assets to achieve their annual retirement income goal. FinExtra
• [New] With lower inflation predicted in 2026, Turkey is expected to top the global rankings for real wage increases in 2026. theHRDIRECTOR
• [New] Asia Pacific continues to be the engine of global wage growth, with countries from the region dominating the top 20 real salary increases for both 2025 and 2026. theHRDIRECTOR
• [New] Although Hungary is predicted to make the global top 10 in terms of real wage increases, no European country is expected to see a higher nominal salary increase in 2026 compared to 2025. theHRDIRECTOR
• [New] Economists expect the Fed to make one more cut before the end of the year, which could send mortgage rates lower by the end of 2025. WSJ Buyside
• [New] Average mortgage interest rates will drop to 6.4% by the end of 2025 and dip further in 2026. WSJ Buyside
• [New] Many people are accepting ARMs in the hopes that mortgage rates will fall in the coming years, enabling them to refinance before the fixed terms of their ARM loans expire. The Week
• [New] Services disinflation will take much longer to return to more normal levels as wage growth is still very high in Germany. ABN AMRO Bank
• [New] Florida is moving steadily toward a $15 minimum wage by 2026. E and H Foundation
• [New] By 2026, Florida's minimum wage will reach $ 15/hr, and future increases will be tied to inflation and the Consumer Price Index (CPI). https://blackwell-lab.com/
• [New] The US minimum wage is going to increase to $9.75 per hour in 2025, up from $7.25 per hour previously. aaotg.org
• [New] Australia Says Goodbye to Retirement at 67: Australia has officially announced a major shift in its retirement policy, confirming that the new pension age will soon replace the long-standing retirement threshold of 67. Bloodyfrench
• [New] For Australian seniors approaching retirement, the new age threshold will require careful planning to avoid financial stress. Broken Hill Accommodation Emaroo Cottages
• [New] The retirement age hike will affect not only individuals nearing retirement but also employers across Australia who must adapt to an ageing workforce. Broken Hill Accommodation Emaroo Cottages
• [New] Pension funds are expected to drive the continuing growth of private markets assets, with infrastructure and private debt expected to overtake real estate in value globally. Pensions Expert
• [New] In 2025, the traditionally radio-focused advertising verticals are expected to lead the way: Investment & Retirement Advice, Quick Service Restaurants (QSRs) and Fast Food, Supermarkets, Commercial Banking and Hospitals. Insideradio.com
• On the policy front, bipartisan U.S. housing initiatives aim to tackle chronic supply shortages, while potential Federal Reserve and government-backed entity actions could reduce mortgage rates from current highs. Hennessy Funds

Last updated: 17 November 2025