2025年中国居民退休准备指数微升，80后最高

Core Insights - The report indicates an improvement in the awareness of retirement preparation among Chinese residents, but actions remain lagging behind [1][2] Group 1: Retirement Preparation Index - The 2025 retirement preparation index for Chinese residents is 5.49, a slight increase from 5.34 in 2024, indicating a low level of retirement readiness [1] - The index is calculated based on six dimensions: awareness of retirement responsibilities, financial planning knowledge, understanding of financial issues, completeness of retirement plans, adequacy of retirement savings, and confidence in achieving expected income [1] Group 2: Awareness vs. Action - Significant improvements were noted in retirement responsibility awareness (7.45) and financial planning knowledge (7.36), reflecting a growing understanding of personal retirement responsibilities and financial literacy [2] - However, the completeness of retirement plans dropped to 3.82 and the adequacy of retirement savings fell to 3.78, indicating a disconnect between increased awareness and actual retirement planning actions [2] Group 3: Demographic Insights - The report identifies that individuals born in the 1980s have the highest retirement preparation index, attributed to their dual maturity in career and family responsibilities [5] - The lowest index is observed in the post-2000 generation, who are either entering the workforce or still in education, showing limited awareness of retirement responsibilities [3][5] Group 4: Financial Products and Recommendations - The preference for retirement financial products is primarily for retirement savings, followed by retirement insurance, retirement financial management, and retirement funds, with high-income groups favoring retirement insurance [5] - Recommendations include enhancing the accessibility and incentive structures of personal pension accounts, promoting financial literacy, and improving the matching of financial products to different demographic needs [6]