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1、Allianz ResearchTime to walk the talkAllianz Global Pension Report 2025Allianz Research2Content Page 3-6 Executive SummaryPage 7-12 The demographic challenge persists Page 13-15 How to boost the long-term sustainability of pension systemsPage 16-19 Labor markets are the key for successful pension re

2、formsPage 20-28 The adequacy of pension systems needs to be guaranteed,tooPage 29-34 Appendices30 January 2025According to the latest UN forecasts,by2050,the number of people aged 65 and older is set to almost double from 857mn to 1578mn.With declining fertility rates slowing the growth of the worki

3、ng-age population,by mid-century,there will be 26 people aged 65 and older per 100 aged between 15 and 64,compared to 16 today.In this context,it is critical to ask whether public pension systems are prepared to cope with demographic change.On the one hand,their long-term financial sustainability ne

4、eds to be guaranteed to avoid an overburdening of future younger generations.On the other,they need to be adequate and guarantee an increasing share of elderly people a decent living standard in old age to maintain their acceptance.Strictly pay-as-you go financed pension systems,in which the contrib

5、utions of the workforce population are used to finance the pensions of current retirees,will not be able to meet both requirements in the long run.The challenge will be to find the right balance between ensuring the sustainability and the adequacy of pension systems at the same time and providing th

6、e necessary preconditions for supplementary capital-funded pension provision.Moreover,enabling older workers to stay in the labor market for longer will also be essential to keep the public pension systems in balance.Since our last pension report two years ago,global pension systems have changed,but