
长寿时代的幸福晚年
随着医学技术的进步和经济水平的提高,中国人均预期寿命已达78岁,步入“长寿时代”。城镇化和家庭规模的小型化为“养儿防老”的传统养老保障体系带来了挑战,越来越多的人开始关注退休生活和财务规划。个人应如何做好养老规划?为应对人口结构的转型,中国大力发展并不断优化养老金制度,构建了三支柱养老金体系。
Kelly is a Partner in the Financial Services practice in Oliver Wyman’s Beijing Office, leading the Greater China Wealth and Asset Management platform. With 18 years of varied experience in the financial services industry, Kelly has worked in both consulting and in-house strategy. Her project experience spans different markets (Mainland China, Hong Kong and the US) and different sectors (wealth management/private banks, capital markets, securities, asset management, wholesale/retail banks and Fintech start-ups). Prior to joining OW, she worked as Head of COO Office in a 1st tier internet company in China, and as Strategy VP in a China leading player in wealth management and Fintech. Her earlier career started in Deloitte Consulting.
随着医学技术的进步和经济水平的提高,中国人均预期寿命已达78岁,步入“长寿时代”。城镇化和家庭规模的小型化为“养儿防老”的传统养老保障体系带来了挑战,越来越多的人开始关注退休生活和财务规划。个人应如何做好养老规划?为应对人口结构的转型,中国大力发展并不断优化养老金制度,构建了三支柱养老金体系。
中国人口老龄化加剧,社保替代率偏低,发展个人养老金势在必行。普通人在养老投资中容易遇到较多问题,而提高金融素养和获得专业投资顾问指导则有助于解决这些问题。预计政策将继续支持个人养老金的发展,让更多人过上有保障的晚年生活。