《中国家庭养老金融健康指数调研报告（2025年）》发布 家庭养老金融准备步入“积累”期

Core Insights - The "2025 China Family Pension Financial Health Index Research Report" was released, indicating that the average score for family pension financial health in China is 48.56, suggesting a shift towards a proactive approach in pension financial planning [1][2] Group 1: Pension Financial Health Index - The report introduces the "Pension Financial Health Index" (PFHI), which assesses family management of pension finances across four dimensions: pension accumulation, asset growth potential, family health status, and family structure [2] - The index categorizes family pension financial health into seven levels, ranging from initial stage to ideal stage, with the current average score indicating that families are in the accumulation phase [2] Group 2: Current Trends and Recommendations - The survey reveals that families primarily rely on traditional pension financial methods, showing a strong preference for low-risk, stable-return financial tools, while lacking awareness of diversified pension financial products [3] - The report highlights that 61.21% of families avoid pension insurance investments due to risk concerns, with only 26.73% participating in personal pensions and less than 32% covered by commercial pension insurance [3] - Recommendations include enhancing the pension financial system, improving public financial literacy, innovating diverse financial products, and establishing intergenerational family protection systems to boost pension financial health [2][3]