PIMCO · Tiffany Wilding · 08/13/2026
Macro Signposts | As Older Workers Retire, Labor Costs Ease
Official source ↗Complete Research
Complete English original
Recent trends are sending confusing signals about the health of the U.S. labor market. Since late 2025, the employment/population ratio has moved lower even as the unemployment rate has declined. This appears to be without precedent in modern history: Since 1949, for every comparable decline in the employment/population ratio, the unemployment rate rose, and typically by more than the employment/population ratio fell (according to the U.S. Census Bureau and the Bureau of Labor Statistics (BLS)).
This cycle has been different, largely due to an unusually rapid contraction in labor supply. Various structural changes in the labor market are likely contributing, including more retirements among older, potentially higher-income workers. Evidence suggests that overall labor demand remains tepid as well, and these structural forces may themselves be limiting labor costs.
Conflicting signals about U.S. labor markets complicate the Federal Reserve’s pursuit of its dual mandate (maximum employment and price stability). However, it does seem clear that labor markets are not a source of inflationary pressure; the net effects of the structural forces affecting labor markets include moderating wage inflation and subdued unit labor costs. This should help the Fed respond appropriately to broader inflationary pressures as needed.
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AI analysis
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Key arguments
- The employment/population ratio has declined since late 2025 while unemployment has fallen, an historically unprecedented divergence.
- Rapid contraction in labor supply, due to structural changes like more retirements of older, higher-income workers, is a key driver.
- Overall labor demand remains tepid, and these structural forces may limit labor costs.
- Labor markets are not a source of inflationary pressure; effects include moderating wage inflation and subdued unit labor costs.
- This should help the Fed respond appropriately to broader inflationary pressures.
Risks
- If labor demand strengthens unexpectedly, the current divergence may resolve differently and labor costs could rise.
- Structural changes may be less persistent than assumed, leading to a rebound in labor supply and wage pressures.
- The Fed's policy response could be complicated by other inflationary forces.