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安联集团发布《2025年安联全球养老金报告》

Core Insights - Allianz Group released the "2025 Allianz Global Pension Report," focusing on the challenges and potential improvements in pension systems amid global aging populations [1][2] Group 1: Public Pension System Challenges - The report emphasizes the need for long-term financial sustainability of public pension systems to avoid heavy burdens on future generations while ensuring adequate pensions for an increasing number of elderly [1] - Key challenges include balancing the sustainability and adequacy of pension systems while creating necessary conditions for supplementary capital financing [1] Group 2: Recommendations for Sustainability - To enhance the long-term sustainability of public pension systems, several methods are suggested, including increasing contribution rates, extending the minimum contribution period for early or full pension claims, and adjusting benefits based on demographic factors [1] - Other recommendations include delaying retirement age and introducing capital financing elements in the first pillar of pension systems [1] Group 3: Pension Savings Gap - The report introduces the concept of Pension Savings Gap (PSG), which represents the difference between the present value of required retirement income and the total of current pension assets and future contributions, estimated at approximately $51 trillion globally [2] - It highlights the necessity of increasing retirement savings by $1 trillion annually over the next 40 years to address the challenges facing global pension systems [2] Group 4: Financial Literacy and Planning - Allianz advises the public to proactively engage in financial literacy regarding retirement planning and to stay informed about financial market trends and pension policy changes [2] - The report calls for governments and society to enhance financial service systems and improve the accessibility of financial services to support individual retirement planning [2]