团结香港基金：2025自主 自在 自乐：香港退休生态导航研究报告（英文版）（44页）.pdf

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1、iReimagining the Silver Ecosystem:Towards Meaningful RetirementNovember 2025202510_Elderly retirement report_EN 250mm x 176mm_INNER_ENG_V8.indd 1202510_Elderly retirement report_EN 250mm x 176mm_INNER_ENG_V8.indd 16/11/2025 上午9:356/11/2025 上午9:35202510_Elderly retirement report_EN 250mm x 176mm_INNE

2、R_ENG_V8.indd 2202510_Elderly retirement report_EN 250mm x 176mm_INNER_ENG_V8.indd 26/11/2025 上午9:356/11/2025 上午9:351BackgroundRetired adults in Hong Kong are living longer,but not better.From 2007 to 2020,life expectancy for those aged 65 and above had increased,but most additional years were spent

3、 with disability,dealing with physical and/or cognitive challenges(Chung et al.,2023)(Figure 1).Research also projects a significant increase in impairment among citizens aged 65 and older,with rises of up to 128.6%for men and up to 135.5%for women between 2021 and 2041(Yu et al.,2019).This trend ma

4、y burden families with increased caregiving responsibilities and strain healthcare systems with rising costs.Changes in life and health expectancy after retirement,20072020 Figure 120072020Females aged 65+16.416.522.720072020Males aged 65+2216.318.314.6Life expectancyHealth expectancy24.8Note:Figure

5、s represent the remaining years expected after age 65.They should not be confused with life/health expectancy at birth(which are lower,as they account for those dying before the age of 65).Sources:Yu et al.,2019Happiness among Hong Kongs retired adults is also declining.In 2024,their personal happin

6、ess index fell from 7.29 to 6.63 points(out of 10)in one year,and family happiness dropped from 7.37 to 6.5 points(HK.WeCARE,2024).It is suggested that retired adults are facing economic uncertainty,changing family dynamics(e.g.,children emigrating),and a reduced sense of purpose.202510_Elderly reti