Longevity Risk: Financial Security and Pensions
Is your retirement corpus good enough?
Pensions, market-linked insurance schemes and retirement plans cover a small subset of the population in India. For millions of elders, Government social protection programs and family support continue to be the lifelines, and keep them away from old age poverty.
Do we truly understand the multi-dimensionality of the longevity challenge?
What are the financial and social costs of longevity?
Are our social protection schemes addressing more contemporary needs?
Have pension reforms been meaningful in the Indian context?
In this essay, I look at the Indian experience and pension reforms from the lens of accumalating longevity risks.
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