原创力文档麦肯锡 -美国养老行业的下一个时代：重塑竞争格局的四大转变 The next era of US retirement Four shifts redefining competition.docx
October2026
McKinsey
Company
FinancialServicesPractice
ThenexteraofUS
retirement:Fourshifts
redefiningcompetition
TheUSretirementindustryisenteringanewera.Fourshifts,fromAltoproductinnovation,areredefiningwherevaluewillbecreated.
Thisarticleisacollaborativeeffo
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