退休保障中个体 “独自应对” 感日增

Only thelonely Individuals increasingly feel they’reon their own for retirement security. Contents Retirement security is on shaky ground in 2024 as more andmore individuals across the globe come to the realizationthey’re on their own when it comes to funding after-work income. Results from the long-running Natixis Global Survey of Individual Investors showthat the number of individuals who believe it is increasingly their responsibility tofund retirement on their own, rather than to rely on public and private pensions, hasgrown from 67%1to 81%2between 2015 and 2023. During that time, investors have felt the anxiety increase, as long-term trends such as the shift from defined benefit pensions to-defined contribution plans and a rapidly increasingly bill for publicdebt met short-term shocks such as Covid, inflation, and marketvolatility. In the end, their isolation is leading many to despairabout their chances of achieving retirement security. 2023; emerging high-net-worth investors ($500,001–$1 million)increased from 39% to 43%; mass affluent ($300,001–$500,000)investors increased from 41% to 47%; and mass market investors($100,000–$300,000) increased from 43% to 46%.3,2 At the heart of the problem for many is the uncertainty of howthey will foot the bill. Between 2021 and 2023, the number ofindividuals who worry that they’ll never have enough to retireincreased from 39% to 42%. While Millennials remain the mostlikely to express concern (47% to 48%), the sentiment is on therise among Generation Xers (42% to 47%) and Baby Boomers(31% to 35%) as well.3,2 In just two short years, the number of individuals who thoughtit would take a miracle to achieve retirement security increasedfrom 40% in 2021 to 45% in 2023.2The fact that this is amongaffluent investors with $100,000 or more in investable assetsshows just how pervasive funding concerns are. More money doesn't mean less anxiety When it comes down to it, one in five (19%) investors saidthat evenif they saved $1 million, they still couldn’t afford toretire – thatincludes 18% of those who have already accu-mulated $1 million.2 The number of investors waiting on a miracle grew almost evenlyacross wealth bands: High-net-worth investors ($1 million+)expressing this sentiment grew from 35% in 2021 to 42% in Mass affluentinvestors($300,001–$500,000) Mass marketinvestors($100,000–$300,000) Emerging high-net-worth investors($500,001–$1 million)increased from 39% to 43% In seeking to fulfill the retirement funding responsibilitythat is keenly felt by eight out of ten investors,2individuals will need to navigate four key risks: Public debt: Inflation: Ourselves: Interest rates: The worst of it may be pastas inflation slowly recedestoward central bank tar-gets, but the recent boutof rising prices serves as astark reminder, and 83% ofinvestors say recent eventsreminded them of just howbig a threat inflation posesto their retirement security.²They will need to actaccordingly to ensure theyare prepared for any newepisodes down the road. Public debt in Organisation forEconomic Co-operation andDevelopment (OECD) coun-tries has more than doubledin the first quarter of the 21stcentury as policymakers firstnavigated the global financialcrisis and then the globalpandemic. Although the stepswere needed to stave offeconomic meltdown in theshort term, the debt posessignificant long-term chal-lenges. A growing number ofindividuals worry high debtlevels will result in cuts to thegovernment retirement bene-fits that are a cornerstone fortheir retirement income plans. Low rates had been a key riskfor retirees for the 15+ yearsfollowing the global financialcrisis, but today’s higher ratespresent new risks. Most nota-bly, with more than $6 trillioninvested in money marketfunds, certificates of depositand similar instruments,4theyneed to be aware of a cashtrap that could keep themfrom meeting their need fora sustainable source of long-term income A secure retirement is ajourney, not a destination.Success requires realisticexpectations and mean-ingful commitment fromindividuals. While many mayappreciate this in concept,not every investor makesreasonable assumptions andsets realistic goals. NatixisInvestor survey results showthat investors do not have aconsistent vision for what itwill take to succeed. If individuals are to achieve retirement security, they willneed to carefully manage these risks. Even as investors feelthey are on their own, they don’t have to be. A recent surveyof 500 fund selectors at leading wealth managers aroundthe globe shows that 84% believe retail investors needprofessional help if they are to achieve a secure retirement.5 One way professional advice may benefit investors is helpingthem recognize the opportunities for maximizing their chancesat a secure retirement presented by today’s market. Takingadvantage of the highest interest rates in 15 years would be agood place to start. the US Federal Reserve’s target range stands at 5.25%–5.5%,th