2025年中国居民退休准备指数微升，80后最高

Core Viewpoint - The report indicates that while awareness of retirement preparation among Chinese residents has improved, actual actions remain lagging behind, highlighting a gap between knowledge and execution [3][4]. 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 preparation that requires attention [3][4]. - 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 [3]. Group 2: Awareness vs. Action - Significant improvements were noted in awareness of retirement responsibilities (7.45) and financial planning knowledge (7.36), suggesting a better understanding of personal retirement responsibilities and financial literacy [4]. - However, the completeness of retirement plans dropped to 3.82 and the adequacy of retirement savings fell to 3.78, indicating that increased awareness has not translated into actionable retirement planning [4]. Group 3: Demographic Insights - The report identifies that the highest retirement preparation index is among individuals born in the 1980s, who typically have strong savings capabilities and long-term planning awareness [5]. - The lowest index is found in the post-2000 generation, primarily due to limited understanding of retirement responsibilities and financial planning [5]. Group 4: Pension Products and Preferences - The preference for personal pension products is skewed towards "retirement savings > retirement insurance > retirement financial management > retirement funds," with higher-income and better-prepared individuals favoring retirement insurance over savings [7]. - The report emphasizes the need for improved awareness, incentives, and product adaptation in the personal pension system to address existing gaps [7]. Group 5: Recommendations for Improvement - Recommendations include promoting the measurement of retirement preparation in pension services, enhancing the accessibility and incentives of personal pension accounts, and improving financial literacy and retirement planning education [7]. - The report also suggests that insurance institutions should explore a development path that combines long-term protection, stable investment, and appropriate services to support residents' retirement preparation [7].