Core Insights - The article emphasizes the need for a comprehensive retirement planning approach that addresses financial, health, housing, and inheritance dimensions due to the increasing longevity risk faced by individuals [1][2]. Financial Dimension - The financial aspect focuses on balancing "future lifespan" with "asset lifespan" through diversified asset allocation, ensuring that asset consumption does not outpace life expectancy [2]. - The current low-interest environment has led to a scarcity of safe investment options, pushing individuals towards riskier financial products [1]. Health Dimension - The goal is to extend healthy life expectancy to align closely with natural lifespan, which requires both basic health insurance and proactive personal health management [2]. - This creates new opportunities for the integration of insurance and health management services [2]. Housing Dimension - Early planning for retirement living arrangements and care resources is essential, as many quality elderly care facilities are in high demand [2]. - Assessing and modifying existing housing for suitability for elderly residents is also crucial [2]. Inheritance Dimension - Inheritance planning involves not only wealth transfer but also arrangements for elder care and asset management oversight [2]. - The concept of "designated guardianship" is highlighted, allowing elderly individuals to appoint guardians for their care and financial matters, which is currently underutilized [2]. Age-Specific Planning - Different age groups should focus on varying aspects of retirement planning, with an emphasis on starting early, saving more, and diversifying assets [3]. - Regular financial health check-ups are recommended for all age groups to adjust planning according to changing family and economic conditions [3]. - Risk tolerance generally decreases with age, necessitating a more conservative asset allocation strategy [3].