世界经济论坛-长寿经济的未来验证：创新和关键趋势（英）

Future-Proofing the Longevity Economy: Innovations and Key Trends W H I T E P A P E RM A R C H 2 0 2 5In collaboration with MercerImages: Getty ImagesContentsForeword 3Executive summary 4Introduction 51 Building resilient public retirement systems 81.1 The case for action 91.2 Understanding the challenges 91.3 Spotlights on innovation 111.4 A path forward 132 From accumulation to decumulation 142.1 The case for action 152.2 Understanding the challenges 162.3 Spotlights on innovation 182.4 A path forward 20Feature: Technology and AI in the longevity economy 213 Role of employers in financial well-being 233.1 The case for action 243.2 Understanding the challenges 253.3 Spotlights on innovation 263.4 A path forward 28Feature: Extreme heat, climate change and the longevity economy 294 Economics of caregiving and long-term care 314.1 The case for action 324.2 Understanding the challenges 324.3 Spotlights on innovation 344.4 A path forward 36Feature: The future of the longevity economy 375 Pathways for economic growth 395.1 The case for action 405.2 Understanding the challenges 415.3 Spotlights on innovation 425.4 A path forward 44Actions for impact 45Conclusion 49Contributors 50Endnotes 53Disclaimer This document is published by the World Economic Forum as a contribution to a project, insight area or interaction. The findings, interpretations and conclusions expressed herein are the result of a collaborative process facilitated and endorsed by the World Economic Forum but whose results do not necessarily represent the views of the World Economic Forum, nor the entirety of its Members, Partners or other stakeholders.In this paper, many areas of innovation have been highlighted with the potential to support the longevity economy transition. The fact that a particular company or product is highlighted in this paper does not represent an endorsement or recommendation on behalf of the World Economic Forum or Mercer, and should not be relied on for such purposes.Future-Proofing the Longevity Economy: Innovations and Key Trends 2ForewordThe world appears increasingly fragmented, but one universal reality connects us all – ageing. Across the world, people are living longer than past generations, in some cases by up to 20 years. This longevity shift, coupled with declining birth rates, is reshaping economies, workforces and financial systems, with profound implications for individuals, businesses and governments alike. As countries transform, the systems that underpin them must also evolve. Today’s reality includes a widening gap between healthspan and lifespan, the emergence of a multigenerational workforce with five generations working side by side, and the need for stronger intergenerational collaboration. One of the most important topics to consider during this demographic transition is the economic implications of longer lives. This paper highlights five key trends that will influence and shape the financial resilience of institutions, governments and