面向未来的长寿经济：创新与关键趋势

Future-Proofing theLongevity Economy: M A R C H2 0 2 5 Images:Getty Images Contents ForewordExecutive summaryIntroduction 4 5 1Building resilient public retirement systems8 1.1The case for action1.2Understanding the challenges1.3Spotlights on innovation 2From accumulation to decumulation 2.1The case for action2.2Understanding the challenges2.3Spotlights on innovation Feature: Technology and AI in the longevity economy 3Role of employers in financial well-being23 3.1The case for action243.2Understanding the challenges253.3Spotlights on innovation263.4A path forward28 Feature: Extreme heat, climate change and the longevity economy 29 4Economics of caregiving and long-term care31 4.1The case for action4.2Understanding the challenges4.3Spotlights on innovation4.4A path forward Feature: The future of the longevity economy 37 5Pathways for economic growth39 5.1The case for action5.2Understanding the challenges5.3Spotlights on innovation Actions for impact45 Conclusion49 Endnotes53 Disclaimer This document is published by the World Economic Forum as a contribution to a project, insightarea or interaction. The findings, interpretations and conclusions expressed herein are the resultof a collaborative process facilitated and endorsed by the World Economic Forum but whose In this paper, many areas of innovation have been highlighted with the potential to supportthe longevity economy transition. The fact that a particular company or product is highlighted Foreword Haleh NazeriLead, Longevity Economy,World Economic Forum Graham PearceSenior Partner,Global Defined Benefit The world appears increasingly fragmented, butone universal reality connects us all – ageing.Across the world, people are living longer than pastgenerations, in some cases by up to 20 years. Thislongevity shift, coupled with declining birth rates, and individuals in the years ahead. It alsoshowcases innovative solutions that are already While the challenges are significant, they also presentan opportunity to develop systems that are moreinclusive, equitable, resilient and sustainable for thelong term. This is a chance to strengthen pensionsystems and social protections, not only for those As countries transform, the systems that underpinthem must also evolve. Today’s reality includes awidening gap between healthspan and lifespan, theemergence of a multigenerational workforce with We are grateful to our multistakeholder consortiumof leaders across business, the public sector,civil society and academia for their contributions,inputs and collaboration on this report. We lookforward to seeing how others will continue to One of the most important topics to considerduring this demographic transition is the economicimplications of longer lives. This paper highlights Executive summary The world is at a pivotal moment in its More than one in four people worldwide now residein a country where the population has alreadypeaked in size, signalling a profound shift in labourmarkets and economic systems.1Meanwhile, globallife expectancy has increased significantly over thepast century; however, this progress masks starkdisparities – life expectancy can exceed 80 years inhigh-income countries yet remain below 60 in some acceleration of technological advances and artificialintelligence, as well as the escalating impact ofclimate change and extreme heat. Taken together,these forces create both an urgent challenge andan unprecedented opportunity to rethink financial Building on the Longevity Economy Principles,this publication synthesizes five key trendsshaping financial resilience and highlights scalable These demographic shifts intersect with twoother defining transitions of our time: the rapid Building resilient public retirement systems As populations age, public retirement systems face growing challenges with regard to financial From accumulation to decumulation The global shift from defined benefit to defined contribution plans places greater responsibility on Role of employers in financial well-being Supporting financial well-being is not just an investment in employees – it is an investment in Economics of caregiving and long-term care The growing demand for care services requires urgent policy and workplace solutions to support both Pathways for economic growth Flexible social systems are essential for enabling individuals to navigate economic transitions, which inturn allows them to continue contributing meaningfully to long-term economic growth. The questionis not whetherchange will come –but whether The “future” of the longevity economy is not in somedistant moment – it is already here. Around theworld, innovative solutions are emerging to meetthe challenges of this demographic transition, andthese can be scaled, adapted and integrated intobroader financial and social frameworks. By investing can thrive. Without bold action, the world risksfinancial instability, overwhelmed care systems and a The questio