香港的退休制度今年仍是亚洲表现较好的体系之一，排名第二，仅次于新加坡。根据报告，两者仍是该地区的明确领先者，领先于马来西亚、中国大陆、台湾、日本和韩国。
Hong Kong’s retirement system remains one of Asia’s stronger performers this year, ranking second and trailing only Singapore. The two remain clear regional leaders, ahead of Malaysia, mainland China, Taiwan, Japan and South Korea, according to a report.
该市保持了B级评级，其得分从70.6微升至71.2，在全球55个体系中排名第16位，这是由总部位于纽约的全球专业服务公司Marsh与CFA Institute共同发布的《Marsh CFA Institute全球养老金报告》周二所显示的结果。
The city retained its B grade, with its score edging up from 70.6 to 71.2, ranking 16th globally out of 55 systems, according to the annual Marsh CFA Institute Global Pension report by Marsh, a New York-based global professional services firm, and CFA Institute, on Tuesday.
特别是，香港在诚信方面继续得分突出，在治理、监管、成员保护和沟通方面获得A级，得分为89.4。
In particular, Hong Kong continued to score strongly on integrity, receiving an A grade of 89.4 for governance, regulation, member protection and communication.
香港的强制性公积金（MPF）是其强制性退休储蓄计划，覆盖497万名成员。该市没有法定退休年龄，大多数人在60至65岁之间退休，MPF福利通常可从65岁起领取。
Hong Kong’s Mandatory Provident Fund (MPF), its compulsory retirement savings scheme, covers 4.97 million members. The city has no statutory retirement age and most people retire between 60 and 65, with MPF benefits generally accessible from age 65.
中国大陆也将其总体评级从C提升至C+，在亚洲排名第四，并缩小了与排名第三的马来西亚之间的得分差距。中国大陆，连同澳大利亚、阿拉伯联合酋长国、阿曼和巴拿马，今年均提升了其指数评级。
Mainland China also lifted its overall grade from C to C+, ranking fourth in Asia and narrowing the score gap with third-placed Malaysia. Mainland China, together with Australia, the United Arab Emirates, Oman and Panama, has improved their index grades this year.
随着生育率下降和预期寿命上升，世界各地的退休收入体系面临日益增长的压力。报告指出，传统的60或65岁退休年龄正日益与人们更长寿、更健康的生活现实脱节。
As fertility rates fall and life expectancies rise, the world’s retirement income systems face mounting pressure. Traditional retirement ages of 60 or 65 are becoming increasingly misaligned with the realities of longer, healthier lives, the report said.
报告还指出，随着工作与退休之间的界限继续模糊——部分原因是零工和兼职工作的兴起——养老金体系必须演变，以反映人们在晚年生活和工作的实际方式。
As the boundary between work and retirement continues to blur – driven in part by the rise of gig and part-time work – pension systems must evolve to reflect the way people actually live and work in later life, it added.
报告的主要作者、Marsh Investments and Retirement合伙人Tim Jenkins表示：“数据清楚表明，即使是表现最好的体系也需要不断演进。面对这些人口结构的变化，没有任何体系能够承受保持现状的代价。”
“The data makes [it] clear that even the best-performing systems need to keep evolving. No system can afford to stand still in the face of these demographic shifts,” said Tim Jenkins, lead author of the report and partner at Marsh Investments and Retirement.
“退休设计必须变得更加灵活——无论是人们何时获取收入，还是产品如何构建，以及我们如何看待工作与退休之间的界限。这种灵活性已不再是可选项，”詹金斯说。
“Retirement design must become more flexible – in when people access income, in how products are structured and in how we think about the line between work and retirement. That flexibility is no longer optional,” Jenkins said.
全球来看，荷兰、丹麦、冰岛、新加坡和以色列的退休收入体系今年保持了A级评级，指数得分均高于80。
Globally, the retirement income systems of the Netherlands, Denmark, Iceland, Singapore and Israel retained their A grade this year, with index scores above 80.
大多数其他亚洲养老金体系整体得分有所提升，但由于同业经济体进步更快，其区域排名要么持平要么下降。
Most other Asian pension systems posted higher overall scores, but either held or fell in regional rankings, as peer economies improved faster.
报告指出，共同的挑战在于如何将退休储蓄转化为适应更长寿命的可持续收入，同时扩大覆盖面、提升对低收入退休人员的最低支持力度，并支持年长劳动者继续留在劳动力市场。
The common challenge is turning retirement savings into sustainable income for longer lifespans, alongside expanding coverage, improving minimum support for lower-income retirees and supporting older workers to remain in the workforce, the report found.