机构报告：2025年我国家庭养老金融健康指数平均得分为48.56分，家庭养老金融健康状况步入“积累期”

Core Insights - The report indicates that the average score of China's Family Pension Financial Health Index for 2025 is 48.56, suggesting that the country's family pension financial health is entering an "accumulation period" and is moving towards a conscious construction of pension financial planning [1] Group 1: Pension Financial Health Index - The "Pension Financial Health Index" measures the management of family pension finances and the achievement of pension financial goals across four dimensions: pension security accumulation, asset growth potential, family health status, and family structure types [1] - 83% of respondents express anxiety regarding pension security accumulation, indicating challenges in this area [1] - Over 50% of families have assets between 500,000 to 2 million yuan, but the proportion of financial assets is generally below 5%, highlighting a "real estate-dominated, weak financial" asset structure [1] Group 2: Family Health Status - Nearly 70% of families focus on diet and exercise health, but there is insufficient attention to chronic disease prevention, with over 70% of families visiting medical facilities 1-2 times a year, reflecting a "heavy on basics, light on prevention" approach to health management [2] Group 3: Family Structure Types - Home-based elderly care remains the mainstream model, but it faces severe challenges in the context of an aging population and declining birth rates [3] - The report suggests a need for comprehensive efforts in pension financial system construction, public financial literacy education, diversified financial product innovation, and intergenerational family security system building to enhance pension financial health [3] - Emphasis is placed on the importance of family members participating in and planning for long-term pension tasks, advocating for diversified asset allocation and appropriate pension insurance purchases to improve the Family Pension Financial Health Index [3]