首份中国家庭养老金融健康调研报告发布，鼓励70、80后多元手段提前规划养老

Group 1 - The report introduces the "Pension Financial Health Index" (PFHI) as a measure of household management of retirement finance and achieving retirement financial goals, evaluated across four dimensions: retirement security accumulation, asset growth potential, family health status, and family structure type [1] - The average PFHI score for Chinese households in 2025 is 48.56, indicating that the financial health of households is in the accumulation phase, with families beginning to focus on pension planning and participating in personal pension or retirement financial products, although investment amounts remain limited [1] Group 2 - The report highlights a clash between traditional views and modern challenges regarding retirement, with significant anxiety about retirement among different age groups, particularly those born in the 1970s and 1980s, who face dual pressures of supporting children's education (67.7% of respondents) and caring for elderly parents (14.7% of respondents) [2] - Home-based care remains the predominant retirement model, with 46.34% of core families preferring it, while this preference rises to 49.56% among extended families; however, couples tend to favor travel-based retirement, and "empty nest" families prefer institutional care [2] Group 3 - The report emphasizes that the retirement issues faced by the 70s and 80s generations are not only economic but also involve psychological and social support deficiencies, necessitating a collaborative effort to build a multi-tiered retirement security system and enhance socialized retirement service levels [3] - There is a call for increased financial literacy regarding retirement planning, encouraging the 70s and 80s generations to proactively plan for retirement through diversified means to alleviate future retirement pressures [3]