美世咨询 x CFA协会：2023年全球养老金指数报告（中译版）（144页）.pdf

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1、Mercer CFA Institute Global Pension Index 20231Mercer CFA InstituteGlobal Pension Index 2023Feature chapter:The growing impact of AI on pension systems and their membersMercer CFA Institute Global Pension Index 20232ContentsMercer CFA Institute Global Pension Index 2023301.Mercer prefaceRetirement i

2、ncome systems around the world are under pressure as never before.Several factors are emerging that will affect the long-term efficacy of these systems.The demographic structure of most countries is changing significantly as birth rates continue to fall.This development has major consequences for pa

3、y-as-you-go pension arrangements,which rely on the next generation of taxpayers to fund the pensions paid to previous generations.Many governments will need to tackle the very tricky issues of reducing the benefits or increasing the eligibility age for these pensions.Inflation has also reemerged and

4、 has damaged the communitys confidence in the ability of pension programs to deliver adequate retirement benefits over the longer term.Although inflation may be falling in some economies,its reemergence has highlighted this risk to current and future retirees.At the same time,we are witnessing the o

5、ngoing global trend of moving from defined benefit(DB)to defined contribution(DC)arrangements,in which individuals carry all the risks relating to investment returns,inflation and,often,longevity.Very few systems have solved the dilemma of how to move from an individual-based DC accumulation system

6、to a postretirement system that provides adequate and secure income to retirees while also providing them with the same flexibility that was available during their working years.An ongoing challenge facing many pension systems is the inclusion of gig workers and those in the informal labor market.In