2007 9 2 ( ) ( ) 1
40 6 40 6 1 2005 2007 4 2005 58 2005 56 2006 57 2007 58 3 2000 ( ) ( ) 2007 (The Fidelity Research Institute Retirement Index sm ) 1 6 19 2 26 2
2 58% Generation X 25 42 54% Baby Boomer(43 61 ) 62% 39% 401(k) 20% 77% 83% 82% 39% 1 (2007 ) Generation X (25 42 ) Baby Boomer (43 61 ) (55 ) 58 54 62 61 ( ) The Fidelity Research Institute, Research Insights Retirement Index, March 2007 2006 2007 5 2 2007 50% Pension Commission 3 3 2 2006 2 4 (Fidelity Retirement Expectation Index) 76% 4 3 2 Fidelity Research Institute, Retirement Index, March 2007. 3 The Pension Commission The Secretary of State for Work and Pensions Pensions Challenges and Choice 2004 12 A New Pension Settlement for the Twenty-First Century 2005 11 The Final Report of the Pensions Commission 2006 4 3 4 Fidelity International, Fidelity Retirement Indices, May 2007. 3
(Fidelity Retirement Satisfaction Index) 59% 6 2 (2007 ) 50 76 59 ( ) Improving Britain's Retirement Prospects 2007 17 2006 2000 5 ( ) 2007 47 3 ( ) ( ) 2007 4 4 (60 ) (59 ) ( ) 47 35 702 328 ( ) 2007 4 5 ( 2006 12 ) 4
2 (59 ) 20 30 40 50 59 1.5 702 1 2 40 2 37 35 ( ) 7,272 2 6 6 15 5
2,863 10 1,471 3 1 2005 60 25 95 35 2007 47 47 6
20 47 700 330 20 7 20 59 2000 8 ---35 ---43 ---11 ---11 54 ( 63 ) ( 25 ) 9 9 9 10 20 30 7 17 20-24 2504 25-29 3404 17 24 ( )271,896 237,513 25-29 360,520 312,479 8 ( 2006 12 ) 9 19 2 6 ( ) 5 ( 21 ) 18 12 7
2 ( Target Replacement Rates, Target Replacement Ratio ) 6 40 10 75 85 10 5 ( 19 2 16 ) 6 6 6 63 2.7 45 45 2.7 3 7 6 7 40 8
75 85 11 AON 1988 12 5 74 13 603 0.3 Fidelity Research Institute 48 33 14 The Aon Consulting/Georgia State University 15 Replacement Ratio 6 (Replacement Ratio 75 ) 20 80 11 AON Consulting /Georgia University Retirement Income Replacement Ratio Study (March 2001 Forum Lead Article, Benchmarking Retirement Income Needs) 74 87 Boston Collage A New National Retirement Risk Index 65 85 EBRI EBRI Issue Brief No.297, Sep.2006 ( 40,450 75 ) 66 78 12 Bureau of Labor Statistics, Consumer Expenditure Survey 13 March 2001 Forum Lead Article, Benchmarking Retirement Income Needs, Latest Results of Aon Consulting/Georgia State University Retirement Income Replacement Ratio Study 14 Fidelity Research Institute, Research Insights Brief, Retirement Index, March 2007 15 Aon Consulting Replacement Ratio Study A Measurement Tool For Retirement Planning, 2004 5 9
Boston Collage Center for Retirement Research 65 (National Retirement Risk Index) 16 (Replacement Rate Targets) 17 3 ( ) Target Replacement Rates 76 85 70 75 65 68 70 76 2. 3 2 2002 11 3 Pension Commission 3 ( 1 2004 12 2 2005 11 2006 4 18 ) 472 2 A New Pension Settlement for the Twenty-First Century (Target pension income) 60 66 31 30 36 (National Pension Savings Scheme) Pension Commission 3 2 16 Boston Collage, Center for Retirement Research; Retirements at Risk : A New National Retirement Risk Index, June 2006. 17 Bureau of Labor Statistics, Consumer Expenditure Survey 18 The Pension Commission 2002 12 Green Paper The Secretary of State for Work and Pensions 1 2004 12 Pensions Challenges and Choices 2005 11 A New Pension Settlement for the Twenty-First Century 2 3 The Final Report of the Pensions Commission 2006 4 2 10
6 40 6 7 ( 718 ) 33.8 3 1 43.8 60 64 30.4 45.3 4 19 5 ( 718 585 ( ) 2007 8 19 2007 8 11
Georgia Aon Replacement Ratio 55 59 65 350 Georgia Aon 55 59 (471,232 ) 474,161 6 ( ) ( ) 55 59 65 55 59 (17.65 ) 55-59 55 59 471,232 17.65 83,698 55 59 135,162 ( ) 344,865 45,598 18 350 39,966 12
6 ( ) ( ) 18 69 7 474,161 ( ) 83,698 45,598 (344,865 285,954 ) 58,911 39,966 325,920 (Replacement Ratio) 69 ( 5 74 69 ) 2 1 ( 5 ) 3.7 9.6 13
2 65 55-59 20 8 ( ( ) 65 8 65 55-59 65,043-10.8 21,190 37.5 20,921-12.0 10,259-11.8 10,194-28.3 19,104 72.6 26,814-43.0 7-99.9 35,248 21.9 77,175-28.9 ( )65 350 55-59 18. 65 20 18 14
3 3 1 2 9 47 69 22 58 85 27 50 67 17 ( ) Fidelity Research Institute 85 Pension Commission 3 2 67 9 ( ) ( ) 20% 15
47 30 11 6 2006 11 4 2 16
2 2 ( ) ( ) 58 50 47 6 20 4 ( FRI ) FRI 17
Fidelity International Limited FMR Corp. 18