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高盛：2025年度美国退休调查与洞察报告：退休新经济学（中译版）（38页）.pdf

上传人： 1****1 编号：990253 2025-12-15 38页 1.75MB

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1、New Economics of RetirementRetirement Survey&Insights Report 2025THESE MATERIALS ARE PROVIDED SOLELY ON THE BASIS THAT THEY WILL NOT CONSTITUTE INVESTMENT ADVICE AND WILL NOT FORM A PRIMARY BASIS FOR ANY PERSONS OR PLANS INVESTMENT DECISIONS,AND GOLDMAN SACHS IS NOT A FIDUCIARY WITH RESPECT TO ANY P

2、ERSON OR PLAN BY REASON OF PROVIDING THE MATERIAL OR CONTENT HEREIN.PLAN FIDUCIARIES SHOULD CONSIDER THEIR OWN CIRCUMSTANCES IN ASSESSING ANY POTENTIAL INVESTMENT COURSE OF ACTION.THIS FINANCIAL PROMOTION IS PROVIDED BY GOLDMAN SACHS ASSET MANAGEMENT B.V.New Solutions Provide a Ray of HopeGOLDMAN SA

3、CHS ASSET MANAGEMENT2RETIREMENT SURVEY&INSIGHTS REPORT 2025OCTOBER 2025In our annual Retirement Survey&Insights Report,we are pleased to present findings that may challenge conventional wisdom about retirement preparedness in America.While many acknowledge the looming retirement crisis,the tradition

4、al advice to simply save more may fail to account for the complex and evolving realities faced by millions of Americans.This years report introduces the“new economics of retirement,“as we grapple with the question“does the retirement math still work?”The report illustrates how rising costs and compe

5、ting financial priorities are fundamentally reshaping the retirement planning landscape and making affordability a central concern for savers nationwide.As these trends persist,we examine the true feasibility of achieving retirement readiness and explore actionable solutions to help individuals and

6、families navigate these shifting dynamics.At Goldman Sachs Asset Management,our mission remains focused on supporting the next generation of saversnot just with innovative solutions,but with a deeper understanding of the barriers they face and the strategies that can help them realize their retireme

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根据《2025年退休调查与洞察报告》，以下为全文关键点： 1. **经济结构变化**：基本生活成本自2000年以来大幅增长，远超工资增长，导致退休储蓄难度增加。 2. **“乐观差距”**：尽管退休储蓄者对财务准备情况持乐观态度，但约60%的人担心会耗尽储蓄。 3. **退休负担能力下降**：约40%的在职人员表示他们生活在入不敷出的状态，竞争性财务压力对退休储蓄的影响最为显著。 4. **新解决方案**：早期储蓄、个性化计划、私人市场投资、保障型收入解决方案和金融韧性等因素可提高退休准备度。 5. **早期储蓄**：从1岁开始每年存入500美元，到65岁时可增加退休储蓄约14%。 6. **401(k)计划**：拥有401(k)计划的人的退休储蓄率比没有的人高29%。 7. **金融韧性**：具有高金融韧性的人的退休储蓄平均比低金融韧性的人多49%。 8. **投资回报**：将私人市场投资纳入投资组合，平均每年可提高预期回报约49个基点。
"退休危机，你准备好了吗？" "新经济时代，如何规划退休生活？" 退休规划新趋势！"
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