居民养老“知易行难” 保险机构应精准供给

Core Insights - The 2025 Retirement Preparedness Index for Chinese residents is 5.49, showing a slight increase from 5.34 in 2024, but remains in a low to moderate range [1][2] Group 1: Retirement Preparedness Index - The index evaluates six dimensions: awareness of retirement responsibility, financial planning knowledge, understanding of financial issues, completeness of retirement plans, adequacy of retirement savings, and confidence in achieving expected income [2] - Awareness of retirement responsibility increased significantly from 6.53 to 7.45, and financial planning knowledge rose from 6.89 to 7.36, indicating improved understanding of personal retirement responsibilities [2] - Financial issue understanding improved slightly from 5.83 to 6.06, but there are still limitations in risk identification and long-term financial planning [2] - Completeness of retirement plans decreased to 3.82, and adequacy of retirement savings fell to 3.78, indicating a gap between increased awareness and actual planning actions [2] Group 2: Investment Preferences - Low-risk investment products account for 37% of residents' preferences, indicating a strong inclination towards capital safety and stable returns [4] - Life insurance, commercial pension insurance, and health insurance each represent 27%, reflecting a core demand for protection [4] - Mid to high-risk investment products are chosen by only 21% of residents, showing a conservative risk appetite [4] Group 3: Role of Insurance - Insurance plays a crucial role in retirement preparation, with a recommendation for insurance providers to offer a diverse range of products tailored to different demographic needs [5] - High retirement preparedness groups prefer pension insurance for long-term certainty, while lower preparedness groups favor simpler, safer savings products [5] - The report suggests enhancing post-sale services to help residents understand product value and encourage long-term holding behaviors [5] Group 4: Focus on Long-term Care - There is a rising concern among residents regarding long-term care, chronic disease management, and longevity risks, prompting a need for improved health insurance and long-term care products [6] - Insurance providers are encouraged to collaborate with healthcare and eldercare services to offer continuous support to insured individuals [6] - The report emphasizes the importance of consumer education and risk awareness to improve retirement preparation quality [6]