麦肯锡中国养老金调研报告

Group 1: Aging Population Insights - By 2027, China is expected to transition from an "aging" society to an "aged" society in just 25 years, significantly faster than France (115 years), the US (69 years), and the UK (45 years) [3] - Approximately 70% of respondents wish to maintain their pre-retirement living standards, indicating a high expectation for retirement financial status [9] - About 80% of respondents are aware of the "personal pension" system, but the actual purchase rate is only 8% [11] Group 2: Financial Preparedness and Concerns - Around 70% of respondents express concerns about their ability to retire comfortably, with 80% lacking a clear retirement plan [13] - Approximately 75% of respondents have retirement savings below RMB 1 million, which is less than the estimated RMB 1.15 million needed for urban residents' retirement [13] - The primary reason for inadequate retirement preparation is a lack of urgency, followed by insufficient funds and the need for professional support [32] Group 3: Market Participation and Financial Institutions - Financial institutions are encouraged to enhance market education to improve the conversion rate from awareness to purchase [28] - Traditional financial institutions, such as banks and insurance companies, are preferred channels for purchasing pension products, with 42% favoring insurance companies [36] - There is a significant preference for diverse withdrawal methods, with 44% of respondents favoring annual fixed withdrawals and 38% preferring a model of higher withdrawals in the first ten years [43]