某国际公司人力资源咨询报告(英文版)(ppt 38页)

某国际公司人力资源咨询报告内容摘要：
"I don't want to achieve immortality through my work - I want to achieve it by not dying"
People will soon live twice as long as today, and have the potential to live for 1200 years"
John Harris, Scientist
Member of UK Human Genetics Commission
as reported Sunday Times, 25 June 2000
Funeral firm hit by 29% profit fall
Not enough people are dying in the US, according to Service Corporation International, the world's largest funeral services company
Times, 2 October 1999
Traditional annuitiesSome important questions
How much do the guarantees cost?
How valuable are they to customers?
early in retirement/later in retirement?
according to other assets?
How will lifestyles and needs change in retirement?
Will customers change their minds over time?
Key issues for designThe Pensioner
Choice (investment)
Flexibility (income)
Protection (survival)
Communication (trade offs)
Fail safe
Planning retirement income
The consumer problem is .....
How long will I live?
Lifespan is a distribution not an expectation
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