养老金悖论：保障收益，却侵蚀未来——公开讨论
Pension funds are central to retirement planning today, but their portfolios are financing the climate instability, biodiversity loss, and social erosion that degrade returns over the timeframes that matter. The mandate to deliver smooth returns is structurally self-defeating. This session confronts that paradox head-on, looking at what the numbers actually show, what fiduciary duty means when systemic risk is dominant, and what a pension system designed for the 21st century could look like.
框架
本节提供活动背景，以确保所有参与者，无论其先前的知识水平如何，都能参与讨论。.
Pension funds carry obligations over decades. This horizon currently includes climate tipping points, biodiversity loss, aging populations & striking inequality. Yet pension portfolios remain structurally exposed, financing the same extractive sectors that drive this instability. Emerging analyses underscore both the urgency & opportunity for course correction.
– https://carbontracker.org/reports/loading-the-dice-against-pensions/
– https://actuaries.org.uk/media/wqeftma1/planetary-solvency-finding-our-balance-with-nature.pdf
– https://www.ortecfinance.com/en/insights/whitepaper-and-report/climate-risks-facing-the-pension-industry-worldwide
