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

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