2025年中国居民退休准备指数较去年略有上升

Core Insights - The 2025 Retirement Preparedness Index for Chinese residents is reported at 5.49, a slight increase from 5.34 in the previous year, indicating a transition from awareness to action in retirement planning [1] - Significant improvements are noted in retirement responsibility awareness (7.45) and financial planning awareness (7.36), while areas such as retirement plan completeness (3.82), retirement savings adequacy (3.78), and confidence in achieving expected income (4.85) show lagging behaviors and pressure on confidence [1] Group 1: Income and Retirement Preparedness - The retirement preparedness index increases with income, but the gap between different income groups is narrowing, with notable improvements in low-income groups [1] - Some low-income individuals have retirement preparedness levels that exceed those of some high-income individuals, suggesting that factors beyond income, such as financial literacy and risk awareness, are also influential [1] Group 2: Characteristics of Prepared Individuals - Individuals with high preparedness indices tend to be "post-80s," married, in good health, have graduate degrees, and possess higher personal income and financial literacy [2] Group 3: Recommendations for Improvement - Suggestions to enhance the retirement preparedness index include integrating retirement preparedness measurement into pension financial services, improving accessibility and incentives for personal pension accounts, and promoting financial literacy and retirement planning education [2] - There is a call for better matching of pension financial products to diverse group needs and for the coordination of health management with retirement planning to enhance long-term security for residents [2]