Conclusion A fundamental shift in perspective is required to transform this demographic transition into a driver of strength and economic growth. As the global population ages, societies must evolve to ensure financial security, purpose and support across all life stages. This white paper has explored five key areas for innovation: building resilient public retirement systems; accumulation to decumulation; the role of employers in financial well- being; the economics of caregiving and long-term care; and pathways for economic growth. A fundamental shift in perspective is required. Instead of viewing ageing through a lens of limitations, society must recognize the value of multistage lives, adaptable retirement structures and inclusive financial systems – both to empower individuals and to strengthen the economy. Modernizing public retirement systems will ensure sustainable security for ageing populations, and rethinking lifetime income strategies can help individuals effectively manage financial resources over extended lifespans. At the same time, caregiving and long-term care need greater financial and policy support to address the growing demand for sustainable, high-quality care solutions. Traditional models of work, retirement and financial planning are no longer sufficient. Resilient public retirement systems, sustainable lifetime income strategies and adaptable financial pathways must align to support individuals across longer, multistage lives with a greater range of experiences. Policies, financial products and employer strategies need to evolve to foster career flexibility, financial resilience and security at every stage of life. Governments, the private sector and civil society must collaborate to modernize policies and financial structures, using technology and innovation to create inclusive, adaptive solutions. The longevity economy is already being shaped by new ideas, technologies and policies. The decisions made today will determine whether longer lives will translate into greater opportunity and prosperity for individuals and societies alike. Future-Proofing the Longevity Economy: Innovations and Key Trends 49

Future Proofing the Longevity Economy 2025