美世咨询 x CFA协会：2024年全球养老金指数报告（中译版）（108页）.pdf

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1、Mercer CFA InstituteGlobal Pension Index 2024Feature chapter:Helping DC members get the best retirement outcome 2Mercer CFA Institute Global Pension Index 2024Contents02Executive summary05Feature chapter08The sustainability sub-index06A brief review of each system09The integrity sub-index03Backgroun

2、d to the Index04Changes from 2023 to 202407The adequacy sub-index01Mercer preface CFA Institute prefaceNotes,references and appendices3Mercer CFA Institute Global Pension Index 202401Mercer prefaceThe United Nations World Population Prospects 2024 makes for sobering reading.We all know that fertilit

3、y rates are falling(dramatically in some cases),and life expectancies are continuing to increase.The UN notes that one in four people now live in a country whose population has already peaked and that by 2080 the global population age 65 and over is expected to exceed the number of children under th

4、e age of 18.The social,cultural,economic and financial consequences of this new world will be significant.Now is the time for governments,policymakers and the pension industry to work together to ensure that older populations are treated with dignity and are able to maintain a lifestyle similar to t

5、hat they experienced in their working years.For many countries,this requires tackling pension reform now,before its too late.This reform needs to consider all aspects of the broader retirement income system,including:Ensuring the public pension arrangements are affordable in the future Promoting pri

6、vate pension arrangements Making sure the public and private pension arrangements work together Highlighting the opportunities for ongoing employment for many(but not all)older people Recognizing the potential value of the home to provide future income These are complex issues that each country will