2025中国居民退休准备指数调研报告

Group 1 - The 2025 China Resident Retirement Readiness Index is 5.49, showing a slight increase from 5.34 in 2024, indicating stability with characteristics of "cognitive reinforcement, action lag, and confidence pressure" [1] - Residents' awareness of retirement responsibilities and financial planning continues to improve, but the completeness of retirement plans, savings adequacy, and future income confidence remain low, marking a critical transition from awareness to action [1] - High retirement readiness index groups are primarily composed of individuals born in the 1980s, married, in good health, with graduate degrees, employed in state-owned or foreign enterprises, and possessing high financial literacy [1] Group 2 - In terms of retirement life expectations, residents are rational and pragmatic, with independent home-based retirement being the mainstream choice, and most wishing to maintain their current living standards [2] - The overall risk tolerance for retirement investments has decreased, with a preference for capital safety and stable returns, reflected in an average risk preference of -0.15 for retirement investments [2] - There is a clear generational difference in preferences for retirement financial products, with older generations focusing on capital safety and health insurance, while younger generations seek balance amid multiple pressures [2] Group 3 - The report emphasizes the need for multi-faceted collaboration to enhance retirement readiness, including improving the multi-tiered pension security system, increasing financial literacy, optimizing retirement financial product supply, and strengthening financial security for the elderly [2]