近日，施罗德投资香港退休业务总监刘以浩发文称，随着人们迈进退休生活，他们的关注点通常主要围 绕着创造被动收入及保障资金。虽然这些优先事项无疑很重要，但它们并不尽能描绘退休财务保障的全 貌。在人生旅程的这一部分，"管理财富以捕捉增长"的概念往往被忽视，但它对于解决港人对退休财务 保障的最大担忧至关重要。 根据最新的施罗德投资香港退休调查，最受关注的退休议题包括：医疗费用高于预期(76%)、通胀降低 资产价值(73%)，以及寿命长于预期因此太早花光退休储蓄(67%)。 施罗德投资认为，保持投资，以捕捉潜在资本增长而不是让财富于银行存款一直停滞在固定数字，这对 于对抗"长寿风险"和管理上涨的生活开支至关重要，尤其是在考虑到医疗保健费用的情况下。将部分财 富投入流动资产类别也很重要，因为可以随时出售或转换这些资产，为意外的医疗费用或其他紧急情况 提供应急钱。 由于没有一个单一市场或资产类别会持续跑赢大市，因此投资于各种资产类别(如股票、债券及另类投 资)和不同的地区，可以在分散风险的同时捕捉潜在资金增长。采用灵活的资产配置方法且风险相对较 低的投资产品可以有效支持这种投资策略。 施罗德投资指，总结来说，在管理退休财富 ...

Group 1 - The core argument of the article is that public data openness can significantly enhance patient capital, particularly from the perspective of insurance capital holdings in strategic emerging industries listed on the A-share market from 2010 to 2022 [2] - The study utilizes a difference-in-differences model to analyze the impact of provincial data openness on insurance capital holdings, finding a notable increase in insurance capital holdings in local strategic emerging industries after the establishment of provincial data openness platforms [2] - Key mechanisms identified include breaking down information barriers and increasing holding willingness, which help insurance institutions expand their information acquisition channels and improve information quality [2] Group 2 - The research indicates that public data openness significantly reduces the risks associated with insurance capital holdings while enhancing holding returns [2] - The positive effects of public data openness on insurance capital holdings are more pronounced in samples with low external attention, severe financing constraints, and high levels of data openness in their regions [2] - An increase in insurance capital holdings contributes to the growth of patient capital and promotes the upgrading of human capital in strategic emerging industry listed companies, positively impacting their new productive capacity development [2] Group 3 - The article provides important policy implications for advancing digital economy strategies and enhancing patient capital through the exploration of the economic consequences of public data openness [2]