Trends Shaping the Future of Retirement退休的未来趋势

Retirement is evolving. From changes in the average retirement age to uncertainty about the future of Social Security， recent news and trends are impacting what future retirees can expect when they leave the workforce.

退休正逐渐发生变化。从平均退休年龄的改变，到社会保障前景的不确定，新近的报道和趋势正在影响未来退休人员离开工作岗位时的预期。

A recent survey from Principal1 polled financial professionals and employers on the most notable trends disrupting the retirement industry in the next few years. They agree that by 2030， the industry will undergo a significant transformation.

针对未来几年颠覆退休行业的几大显著趋势，美国信安金融集团近期向金融专业人士和用人单位进行了调查。受访者一致认为，到2030年，该行业将经历巨大变革。

If you’re wondering how retirement is changing in the next decade， keep an eye on these trends：

如果想了解未来十年退休的发展变化，请注意这些趋势：

▪ The retirement savings gap is growing.

▪ 退休储蓄差距不断扩大。

▪ The workforce is aging and more people are delaying retirement.

▪ 劳动力老龄化，更多人延迟退休。

▪ Retirement plans are considering holistic financial wellness.

▪ 退休计划将考虑整体财务健康状况。

▪ New kinds of investments will become more common in retirement plans.

▪ 新型投资在退休计划中将更加普遍。

▪ Retirement plans are more customizable than before.

▪ 退休计划较以往更加个性化。

The retirement savings gap

退休储蓄差距

With the rapidly rising cost of living， keeping up with retirement savings has become more difficult. A recent U.S. News2 survey found that 41% of Americans saving for retirement paused putting money in their retirement funds in 2022 due to inflation.

随着生活成本迅速攀升，维持退休储蓄变得更加困难。《美国新闻与世界报道》杂志近期的一项调查显示，受通货膨胀影响，为退休存钱的美国人中有41%在2022年暂停将钱存入退休基金。

“The difference between what retirement savers need and what they have is playing a critical role in reshaping retirement. Most experts agree the retirement savings gap is growing， largely due to inflation， with millennials3 and centennials4 （Gen Z） impacted the most，” Laura Sterling， vice president of marketing at Georgia’s Own Credit Union， says.

佐治亚州州立信用合作社营销副总裁劳拉·斯特林表示：“退休储蓄者所需要的与其所拥有的之间存在差异，这一差异对重塑退休有着至关重要的作用。大多数专家认为，退休储蓄差距在不断扩大，很大程度上要归咎于通货膨胀，而千禧一代和世纪一代（Z世代）受影响最大。”

Experts surveyed by Principal agree， adding that this gap will continue to grow by 2030.

参与信安金融集团意见调查的专家同意这一观点，他们补充表示，在2030年之前，这一差距会持续扩大。

New legislation might help to combat this， however. The SECURE5 2.0 Act was signed into law in December 2022 and introduces a slate of6 incentives for retirement savings.

不过，这一问题有望通过新法缓解。《退休金法案2.0》于2022年12月正式生效，该法案规定了一系列针对退休储蓄的激励措施。

Aging workforce

劳动力老龄化

The average retirement age is increasing， meaning more older Americans are sticking around in the workforce.

平均退休年龄正在升高，意味着更多高龄美国人将坚持在工作岗位上。

“This can be due to various factors， such as financial need， a desire to keep working or the need to maintain health insurance coverage. Delaying retirement can have financial benefits， as it allows individuals to continue earning income and building their retirement savings，” Jon Morgan， chief executive officer of consulting firm Venture Smarter， says.

美国智勇咨询公司首席执行官乔恩·摩根说：“造成这一现象的原因有很多，可能出于经济需求、继续工作的愿望，或是维持医疗保险的需要。延迟退休可以带来经济收益，因为个人得以继续赚取工资，并积累退休储蓄。”

But as more people push back retirement， plans will need to change in the next decade.

但是，随着延迟退休人数增加，未来十年的计划势必发生改变。

“Aging baby boomers7 are changing the way retirement is viewed and planned for … As a result of this shift towards longer working lives， employers are increasingly offering more comprehensive financial wellness benefits and educational programs to help employees make informed decisions，” Linda Chavez， founder and CEO of Seniors Life Insurance Finder， says.

银发人寿保险公司创始人兼首席执行官琳达·查维斯说：“婴儿潮一代步入了老龄，他们正在改变人们看待与规划退休的方式……这种工作年限延长的趋势使用人单位越来越多地提供更全面的财务健康福利及培训项目，以帮助员工做出明智的决策。”

Shift toward holistic wellness in retirement plans

退休计划转向整体财务健康

According to Principal， the COVID-19 pandemic served as a catalyst to make changes to retirement plans—with a greater focus on holistic financial wellness. More than 90% of financial professionals surveyed by Principal agreed that financial wellness offerings will increase by 2030.

信安金融集团表示，新冠疫情是改变退休计划的催化剂——人们因此更加关注整体财务健康。参与集团调查的金融专业人士中，有超过90%的人认为，到2030年，财务健康类产品将有所增加。

“Post-COVID， there has been a shift in the retirement plan landscape， with more emphasis on comprehensive financial wellness benefits and education. This is particularly important for younger generations who may not have a good understanding of personal finance and retirement planning，” Morgan says.

摩根说：“后疫情时代，退休计划的整体形势发生转变，人们更加注重整体的财务健康福利和教育。这一点对年轻一代尤为重要，他们可能对个人财务状况及退休规划缺乏了解。”

Evolving retirement investments and advice

退休投资与咨询逐渐演变

“Another trend is the growing popularity of different kinds of investments， such as exchange-traded funds and index funds， as opposed to traditional defined benefit plans8，” Morgan says. “This shift is driven by a desire for more control over investments and the ability to personalize portfolios to meet individual goals and risk tolerance.”