생체연령에 맞는 장수리스크 관리

사람을 태우고 태양 주위를 돌고 있는 우주선이 지구와 다른 궤도를 돌고 있다면,
지구의 나이로 우주선에 있는 사람의 나이를 세도 되는걸까?

이미 우리는 수명이 늘어난 장수사회라는 우주선에서 살고 있는데, 과거 지구인들이 지구의 궤도에 따라 만들어 놓은 기준으로 나이를 세고, 은퇴하고 사회보장제도를 운영해간다. 이제는 우리 우주선에 사는 사람들의 생체연령(Biological age)에 맞게 제도를 만들어야 할 때다.

캐나다 York 대학교 Moshe Milevsky교수가 팟캐스트에서 이를 자세히 설명하고 있다.

 

 

출처 : https://seekingalpha.com/article/4251531-protect-longevity-shock-interview-moshe-milevsky-podcast?fbclid=IwAR2zp1CkWv-tCGRPkV6ZtU7kp52glgu-rNJtsulxg9TS52Dilqp4FjUSN9I

Protect Against Longevity Shock: An Interview With Moshe Milevsky (Podcast)

Mar. 28, 2019 9:28 AM ET

by: SA For FAs

Senior Editor, FA Content

(4,786 followers)

Summary

York University Professor Moshe Milevsky, today’s foremost authority on retirement finance, discusses his new book, “Longevity Insurance for a Biological Age”.

The book asks: “What if the number of years planet earth has circled the sun with you as a passenger is the wrong metric?”.

Milevsky thinks chronological age is indeed a poor metric, which distorts one’s work strategy, asset allocation and everything else that in actuality keys off one’s biological age.

He says a shift to biological thinking will help make longevity risk as salient as mortality risk, which will one day make annuities as “legitimate” as life insurance now is.

He recounts his rationale for purchasing a deferred income annuity, the strong negative reaction it induced, and explains the difference between investment and insurance, and why both are needed.

York University Professor Moshe Milevsky, today's foremost authority on retirement finance, discusses his new book, "Longevity Insurance for a Biological Age," which provocatively asks: "What if the number of years planet earth has circled the sun with you as a passenger is the wrong metric?"

In this fascinating podcast interview (20:50), Milevsky argues that someone who is chronologically 50 years old may actually be biologically 38, with the implication being that we need to align the longevity of our portfolios with our own longevity. Or as he puts it: "Buy some insurance today because tomorrow you might find out you're younger."

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