安联：2026年养老金改革调查报告： 人人都知改革必要 鲜有人信改革能行（英文版）（27页）.pdf

1、Allianz Research25 June 2026Pension Reform Survey 2026:Everyone knows reform is needed,few expect it to happen Allianz Research2Allianz ResearchContent Page 3 Executive SummaryPage 4-7 Most agree reform is needed few believe it will be deliveredPage 8-10 Pension reform is not on the top of the list

2、Page 11-13 The reform options are known but there is no one size fits all Page 14-19 Retirement preparedness starts with knowing the numbers Page 20-21 Financial literacy,a growing imperative for pension policy Page 22-23 More capital-funded pension provision is a win-win Page 24 Appendix 25 June 20

3、26 Citizens recognize the need for social security reforms,but have far less confidence that reforms will actually be delivered.Our survey of more than 8,000 respondents across Austria,France,Germany,Italy,Poland,Spain,the UK and the US explores public attitudes towards social security reform,pensio

4、n sustainability and retirement preparedness.Recognition of the need for reform is overwhelming,exceeding 80%in most countries.Yet confidence in governments ability to implement the reforms needed to ensure long-term sustainability is much weaker.The latter ranges from just 36%in Italy and 42%in Ger

5、many to 63%in Poland and 66%in the US.Views diverge more sharply when it comes to how the adjustment burden should be shared.Taking greater personal responsibility through additional saving is the most widely accepted option,while higher taxes and social contributions receive little support.Importan

6、tly,while respondents differ on how adjustment should be achieved,only a minority rejects all proposed measures outright.The challenge for policymakers is therefore no longer convincing citizens that reform is needed,but demonstrating that reforms can be delivered and designing politically viable re