未来财务韧性的基础研究报告

I N S I G H TR E P O R TJ A N U A R Y2 0 2 4 Contents Foreword Executive summary Introduction5 1Principle 1: Ensure financial resilience across key life events 1.1The case for action71.2Principles in practice91.3Opportunities for collaboration and impact101.4Topic spotlight: Affordable housing – the key to flourishing111.5Longevity story: “Never managed to fully regain my career”11 2Principle 2: Provide universal access to impartial financial education 12 2.1The case for action132.2Principlesinpractice142.3Opportunities for collaboration and impact162.4Topic spotlight: Technology – building resilience through financial education17 3Principle 3: Prioritize healthy ageing as foundational for the longevity economy 3.1The case for action193.2Principles in practice213.3Opportunities for collaboration and impact223.4Topic spotlight: Health equity – foundational for the longevity economy23 4Principle 4: Evolve jobs and lifelong skill-building for a multigenerational workforce 4.1The case for action254.2Principles in practice264.3Opportunities for collaboration and impact284.4Topic spotlight: Early childhood education – invest in future centenarians294.5Longevity story: Mid-career transitions – lifelong learning and social support29 5Principle 5: Design systems and environments for social connection and purpose 5.1The case for action315.2Principles in practice325.3Opportunities for collaboration and impact335.4Topic spotlight: Loneliness epidemic – a social, not individual, problem345.5Longevity story: Learning and adapting are the keys to resilience34 6Principle 6: Intentionally address longevity inequalities, including across gender, race,and class Contributors Endnotes DisclaimerThis document is published by the World Economic Forum as a contribution to a project, insight area or interaction. The findings, interpretations and conclusions expressed herein are a result ofa collaborative process facilitated and endorsed by the World Economic Forum but whose resultsdo not necessarily represent the views of the World Economic Forum, nor the entiretyof its Members, Partners or other stakeholders. © 2024 World Economic Forum. All rights reserved. No part of this publication may be reproducedor transmitted in any form or by any means, including photocopying and recording, or by anyinformation storage and retrieval system. Foreword Rich NuzumExecutive Director,Investment and Global ChiefInvestment Strategist, Mercer Haleh NazeriLead, Longevity Economy,World Economic Forum Today’s world is marked by unprecedentedtransformation and disruption. Yet one trendremains constant and inevitable – the ageing ofour global population. The longevity economyprinciples described in the following pages offera cross-industry approach to tackling global issuesin an ageing society while shaping a future thatensures the financial resilience of all generations. designs. However, all individuals yearn for similaroutcomes: meeting their basic financial needs,enjoying a healthy life, accessing employmentopportunities and living a life imbued with purpose. This is not an easy topic. Difficult conversations willneed to take place. Most people do not like to talkabout death or money, but these taboo topics are atthe crux of this discussion. Other delicate subjectsinclude the widespread ageism that many olderworkers experience, the growing gender pensiongap that is exacerbated by women taking on thevast majority of caregiving duties and the vast gulfin retirement savings between different races andsocioeconomic classes around the world. These principles are a starting point to addressthe most pressing challenges that society will facein this longevity economy, ranging from achievingfinancial resilience to living a long and healthy life.They have been designed by a multistakeholderconsortium of leaders across the finance sector,health industry, academia and government. These principles offer a place to begin thisconversation with a unifying language and a clearguiding direction. While this topic is extremely broad,this report provides a compass for the necessaryactions societies and economies must take toprepare for the coming demographic transformation. The longevity economy principles aim to frame ashared approach to an issue that each countryaddresses differently. Pensions, retirement systemsand social benefits vary from one nation to another,differing in rules, retirement ages and programme Executive summary Six principles to address the challenges ofageing populations and promote financialresilience for extended lifespans. The World Economic Forum’s Longevity EconomyInitiative has convened leaders across business,government and civil society to establish longevityeconomy principles. These principles aim to raise theprofile of the longevity discussion, promoting alignmentacross sectors in addressing the demographic andfinancial challenges of global ageing and supportingindividuals to be resilient in their longer