2023全球养老金指数报告-美世&CFA

VIP专享

3.0 梧桐 2024-10-12 26 25.18MB 144 页免费

侵权投诉

Mercer CFA Institute Global Pension Index 2023 1

Mercer

CFA Institute

Global Pension

Index 2023

Feature chapter: The growing

impact of AI on pension systems

and their members

Mercer CFA Institute Global Pension Index 2023 2

Contents

Mercer CFA Institute Global Pension Index 2023 3

01. Mercer preface

Retirement income 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 pay-

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 has damaged the community’s 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 ongoing 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 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 many economies, the

labor market is becoming fractured so that the stable or structured employer–

employee relationship is disappearing. In such circumstances, the pension

arrangements must become more individually focused and less reliant on third

parties. Technology may be part of the answer to improving pension coverage,

but this also requires strong government leadership.

Planning for the long term is therefore more critical than ever.

The Mercer CFA Institute Global Pension Index 2023 compares 47 retirement

income systems with regard to adequacy, sustainability and integrity. Or, to put it

another way:

• What benefits are future retirees likely to receive?

• Can the existing systems continue to deliver, notwithstanding the

demographic and financial challenges?

• Are the private pension plans regulated in a manner that encourages long-

term community confidence?

研报加载中……请稍候！
如果长时间未打开，您也可以点击刷新试试。

下载研报到电脑，查找使用更方便

立即下载

摘要：

MercerCFAInstituteGlobalPensionIndex20231MercerCFAInstituteGlobalPensionIndex2023Featurechapter:ThegrowingimpactofAIonpensionsystemsandtheirmembersMercerCFAInstituteGlobalPensionIndex20232ContentsMercerCFAInstituteGlobalPensionIndex2023301.MercerprefaceRetirementincomesystemsaroundtheworldareunderpr...

展开>> 收起<<

2023全球养老金指数报告-美世&CFA.pdf

共144页,预览10页

还剩页未读，继续阅读