Overblik Sammenlign pensionssystemer Hovedindsigter

 

Hvilke pensionssystemer har det bedste setup?

 

Mercer CFA Institute Global Pension Index analyserer og sammenligner nu pensionssystemerne i 39 lande verden over, og omfatter næsten to tredjedele af verdens befolkning.

 

  • Holland og Danmark ligger stadig alene i toppen på henholdsvis første og andenpladsen, som de eneste lande med en A-kategorisering og en score over 80.
  • Israel er ny i undersøgelsen og overtager tredjepladsen fra Australien
  • COVID-19 har medført lavere indbetalinger til pension verden over, lavere afkast og øget offentlig gæld, som vil påvirke den fremtidige pensionsformue

LÆS PRESSEMEDDELELSE HER >

Danmark er nummer et i kategorien 'Bæredygtighed'

Danmark har et af verdens ældste bidragsbaserede pensionssystemer, og danskerne skylder en stor tak til arbejdsmarkedets parter og de faglige organisationer, der i sin tid fik indført arbejdsmarkedspensionerne, som i vid udstrækning danner grundlag for det danske pensionssystem. 

 

"At det danske system tidligt gik over til bidragsbaserede pensionsordninger, hvor den enkelte bærer ansvaret for at spare op til sin egen pension, skaber en solid samfundsøkonomisk struktur for pensionssystemet. Danmark ligger i den absolutte top, hvad angår samlet pensionsformue i forhold til BNP, hvilket i høj grad skyldes etableringen af arbejdsmarkedspensionerne, og er med til at sikre at Danmark igen i år tager førstepladsen i underkategorien for Bæredygtighed i Mercer CFA Institute Global Pension Index 2020," udtaler Dorothee Gnaedinger, CEO, Mercer Danmark.

Hvad skal vi holde øje med i Danmark?

Igen i år peger undersøgelsen på tre hovedområder, hvor selv et af verdens bedste systemer kan blive bedre, og her er budskabet fortsat:

  • at vi på trods af en høj pensionsopsparing er udfordret af den relativt høje gældssætning af de danske husholdninger.
  • at vi bør sikre ægtefæller deler de opsparede midler ved skilsmisse.
  • at vi kan blive bedre til at sikre, at en større del af den ældre befolkning forbliver en del af arbejdsstyrken i takt med at levealderen stiger.
MCGPI full report

Find out which systems rank best.

 

 

Kort om Danmark

     


Sammenlign op til fire pensionssystemer

 

 

Et af de primære formål med analysen er, at kunne sammenligne forskellige pensionssystemer med forskellig økonomisk, historisk og politisk baggrund. I 2020 indgår 39 lande i analysen, som med udgangspunkt i et fælles målegrundlag (over 50 indikatorer) giver mulighed for at se på styrker og svagheder af systemer med forskellig opbygning fra forskellige kulturer.

 

Sammenlign verdenspensionssystemer

Se nærmere på hvordan verdens pensionssystemer scorer mod hinanden med vores interaktive værktøj.

Du kan sammenligne op til fire systemer.

Select systems to compare 0 / 4

  • Argentina
    Argentina
  • Australia
    Australia
  • Austria
    Austria
  • Belgium
    Belgium
  • Brazil
    Brazil
  • Canada
    Canada
  • Chile
    Chile
  • China
    China
  • Colombia
    Colombia
  • Denmark
    Denmark
  • Finland
    Finland
  • France
    France
  • Germany
    Germany
  • Hong Kong SAR
    Hong Kong SAR
  • India
    India
  • Indonesia
    Indonesia
  • Ireland
    Ireland
  • Israel
    Israel
  • Italy
    Italy
  • Japan
    Japan
  • Korea
    Korea
  • Malaysia
    Malaysia
  • Mexico
    Mexico
  • Netherlands
    Netherlands
  • New Zealand
    New Zealand
  • Norway
    Norway
  • Peru
    Peru
  • Philippines
    Philippines
  • Poland
    Poland
  • Saudi Arabia
    Saudi Arabia
  • Singapore
    Singapore
  • South Africa
    South Africa
  • Spain
    Spain
  • Sweden
    Sweden
  • Switzerland
    Switzerland
  • Thailand
    Thailand
  • Turkey
    Turkey
  • United Kingdom
    United Kingdom
  • United States
    United States
Results
Mercer CFA Institute Global Pension Index

Scorekort

Klik de enkelte kort for at se hele resultatet

Click on sub-index to compare systems

Mercer CFA Institute Global Pension Index

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    World’s most comprehensive comparison of pension systems.

  • icon

    Includes Belgium and Israel as 2020 additions.

  • icon

    Measures 39 retirement income systems against more than 50 indicators.

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    Benchmarks a country’s pension system based on 3 sub-indices: 
    AdequacySustainability and Integrity.

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    Reviews global pension systems and assesses the benefits they provide, their ongoing sustainability in the context of ageing populations and the level of transparency within their operations.

Global Grades Legend

Grade Index value Description
A >80

A first class and robust retirement income system that delivers good benefits, is sustainable and has a high level of integrity.

B+ 75~80

A system that has a sound structure, with many good features, but has some areas for improvement that differentiates it from an A-grade system.

B 65~75

A system that has a sound structure, with many good features, but has some areas for improvement that differentiates it from an A-grade system.

C+ 60~65

A system that has some good features, but also has major risks and/or shortcomings that should be addressed. Without these improvements, its efficacy and/or long-term sustainability can questioned.

C 50~60

A system that has some good features, but also has major risks and/or shortcomings that should be addressed. Without these improvements, its efficacy and/or long-term sustainability can questioned.

D 35~50

A system that has some desirable features, but also has major weaknesses and/or omissions that need to be addressed. Without these improvements, its efficacy and sustainability are in doubt.

E <35

A poor system that may be in the early stages of development or a non-existent system.

Mercer CFA Institute Global Pension Index

  • icon

    World’s most comprehensive comparison of pension systems.

  • icon

    Includes Belgium and Israel as 2020 additions.

  • icon

    Measures 39 retirement income systems against more than 50 indicators.

  • icon

    Benchmarks a country’s pension system based on 3 sub-indices: 
    AdequacySustainability and Integrity.

  • icon

    Reviews global pension systems and assesses the benefits they provide, their ongoing sustainability in the context of ageing populations and the level of transparency within their operations.

Global Grades Legend

Grade Index value Description
A >80

A first class and robust retirement income system that delivers good benefits, is sustainable and has a high level of integrity.

B+ 75~80

A system that has a sound structure, with many good features, but has some areas for improvement that differentiates it from an A-grade system.

B 65~75

A system that has a sound structure, with many good features, but has some areas for improvement that differentiates it from an A-grade system.

C+ 60~65

A system that has some good features, but also has major risks and/or shortcomings that should be addressed. Without these improvements, its efficacy and/or long-term sustainability can questioned.

C 50~60

A system that has some good features, but also has major risks and/or shortcomings that should be addressed. Without these improvements, its efficacy and/or long-term sustainability can questioned.

D 35~50

A system that has some desirable features, but also has major weaknesses and/or omissions that need to be addressed. Without these improvements, its efficacy and sustainability are in doubt.

E <35

A poor system that may be in the early stages of development or a non-existent system.


    

En omfattende rapport om verdens pensionssystemer

MCGPI coverage

Omfatter godt to-trediedele af jordens befolkning.

MCGPI measurement

Måler 39 pensionssystemer på mere end 50 parametre.

MCGPI clipboard

Anbefalinger til forbedringer for hvert system.

    

    

      

Hovedindsigter for 2020 analysen

 

Coronavirus

COVID-19

Verden over reagerede regeringer på COVID-19 med en række tiltag i forsøget på at støtte befolkningen. Der har også været/er en række forskellige tilgange, indført af regeringer og tilsynsmyndigheder, som bestræber sig på at reducere virkningen af COVID-19 på pensionssystemerne.

 

Læs hele rapporten

Gender gap

Ulighed på køn

Forskellen mellem mænd og kvinders pensionsydelser stiger verden over - men der er også kommet mere fokus på udfordringen. Der er mange årsager, som bidrager til forskellen, som fx den tid mange kvinder tilbringer uden for arbejdsmarkedet i forbindelse med barsel. 

 

Læs hele rapporten

Ageing population

Vi lever længere

I takt med at vi forventes at leve længere, stiger presset på bæredygtigheden af verdens pensionssystemer. Er der sparet nok op? Rapporten måler sandsynligheden for, at et nuværende system kan holde i fremtiden og fremhæver muligheder for at styrke effektiviteten på lang sigt.

 

Læs hele rapporten

Download the full report, report highlights or a summary of a specific pension system