Pension reform survey 2026 : everyone knows reform is needed, few expect it to happen

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      <subfield code="a">Executive Summary -- Most agree reform is needed  few believe it will be delivered -- Pension reform is not on the top of the list -- The reform options are known  but there is no one size fits all -- Retirement preparedness starts with knowing the numbers -- Financial literacy, a growing imperative for pension policy -- More capital-funded pension provision is a win-win -- Appendix</subfield>
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      <subfield code="a">Survey-based report (8,048 respondents in Austria, France, Germany, Italy, Poland, Spain, UK, US) on public views of social security and pension reform. Over 80% agree reform is necessary but far fewer believe it will be delivered or fairly distributed. Pension reform ranks below healthcare, immigration and housing in perceived urgency, with stronger demand among older cohorts. Respondents most accept taking greater personal responsibility (more private saving); willingness to work longer or accept lower public benefits varies by country and age. Knowledge gaps are substantial: many misestimate retirement age, years in retirement and expected public pension income; few have precise estimates. Financial literacy is low and shapes conservative investment preferences. The report argues that expanding funded occupational/private pensions can boost retirement adequacy and supply long-term capital to the economy, highlighting large cross-country gaps in pension assets relative to GDP.</subfield>
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