2025 Pension survey

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<title>2025 Pension survey</title>
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<namePart>Insurance Europe</namePart>
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<publisher>Insurance Europe</publisher>
<dateIssued>2025</dateIssued>
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<abstract displayLabel="Summary">The document reveals persistent gaps in retirement preparedness across twelve European countries, with over 40% of respondents not saving for retirement and significant disparities by gender, employment status, and income. Financial constraints and lack of information remain key barriers, while personalized advice, occupational enrolment, and digital tools are the most effective triggers for saving. Security dominates savers' priorities, with 81% favoring guaranteed returns over higher-risk options, and strong interest in protective features such as longevity and death coverage. Preferences for payout options vary, but many underestimate the value of lifetime income, underscoring the need for tailored guidance. The survey highlights Europeans' desire for transparency, digital access to information, and products aligned with sustainability and EU economic priorities. Policy recommendations call for flexible risk-mitigation strategies, improved advice, behavioral nudges, and respect for national diversity to make the Pan-European Personal Pension Product (PEPP) a success while enabling long-term savings to support EU resilience and strategic investments</abstract>
<tableOfContents displayLabel="Contents">2025 Pension Survey: Key findings and policy recommendations -- About the survey -- Pension savings gap -- Behavioural dynamics -- Security and protection remain key -- Investment safety versus investment performance -- Pension saving priorities -- Pension pay-out preferences -- Confidence and expectations -- Information preferences -- Key take-aways -- Policy recommendations</tableOfContents>
<note type="statement of responsibility">Insurance Europe</note>
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<topic>Pensiones</topic>
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<topic>Inversiones</topic>
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<topic>Ahorro a largo plazo</topic>
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<topic>Sostenibilidad</topic>
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<topic>Normativa comunitaria</topic>
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<topic>Digitalización</topic>
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<topic>Mitigación de riesgos</topic>
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<topic>Planes de pensiones</topic>
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<geographic>Unión Europea</geographic>
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<url displayLabel="electronic resource" usage="primary display">https://www.insuranceeurope.eu/news/3473/2025-pension-survey-europe-s-pension-gap-persists-as-new-survey-shows-four-in-ten-still-not-saving</url>
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<title>November</title>
<partNumber>2025</partNumber>
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<recordCreationDate encoding="marc">251106</recordCreationDate>
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