Businos’ Post

Aging Population: One of the Defining Megatrends of Our Time According to the United Nations, by 2050 one in six people globally will be over 65, compared to one in eleven in 2019. How aging will impact the economy As populations age, entire industries will need to adapt: from labor markets to healthcare systems, finance, housing, and consumer goods. 🧑💼 Labor markets & automation: Fewer working-age people mean labor shortages, rising wages, and higher demand for automation and AI-driven productivity tools. Countries may also rely more on immigration to fill skill gaps. ETFs with exposure to this theme: ROBO, BOTZ 🏥 Healthcare & biotech: An older population drives long-term growth in pharmaceuticals, medical devices, diagnostics, rehabilitation, and home-care services. Preventive healthcare, telemedicine, and longevity treatments are booming segments. ETFs with exposure to this theme: XLV, IXJ, IBB 💰 Finance & pensions: Retirees shift focus from wealth accumulation to income generation and capital preservation. Expect growing demand for retirement products, annuities, dividend-paying stocks, and low-volatility funds. Asset managers and insurers will compete for this growing pool of retirement capital. ETFs with exposure to this theme: VIG, SCHD, IAK 🏠 Real estate: Demand for senior housing, assisted living, and age-friendly infrastructure will rise. Developers and REITs focused on healthcare or retirement living stand to benefit. ETFs with exposure to this theme: WELL, XLRE 🛒 Consumer goods & services: Older consumers spend more on health, travel, and leisure, and less on fast fashion or gadgets. Companies that adapt in wellness, nutrition, healthcare tourism, and accessible design will capture this shift. ETF with exposure to this theme: PEJ 📊 Longevity snapshot: Some nations stand out for their exceptional longevity. Among the top 25 countries with the highest life expectancy (as the chart illustrates), 16 are in Europe. Monaco leads the list where residents live on average 86.5 years, and women exceed 88 years. ⚠️ The ETFs listed above are examples for educational purposes only and do not constitute individual investment recommendations. #Megatrends

The longevity economy isn’t just about living longer. It’s about living better — and building smarter. By 2050, 1 in 6 people will be over 65. That’s over a billion people. And yet, most innovation is still focused on late-stage healthcare. But here’s the truth: 🧓🏾 Healthy ageing depends as much on financial security and cultural relevance as it does on medicine. When systems rely on out-of-pocket payments, older adults delay care, lose autonomy — and systems buckle under cost. 💡 For builders and educators, that’s not just a challenge — it’s an invitation. Because the $15 trillion longevity economy is growing fast — and the solutions can’t just be western, institutional, or top-down. In much of Africa, Asia, and Latin America: Family businesses act as pensions. Informal carers are the safety net. Elders are seen as mediators and mentors — not dependents. Too many models ignore that. So they fail. Quietly, expensively, and predictably. What can we do instead? 🔹 Build tools for the informal economy: 💰 Micro-pensions, savings, and financial tools that meet people where they actually work. 🔹 Support caregivers as infrastructure: 🧑🍼 Tech, subsidies, wraparound services — because burnout doesn’t scale. 🔹 Back culturally-aligned models: 🏡 Intergenerational housing, community clinics, family business succession tools. Because healthy ageing isn’t just the next healthcare play — It’s the next resilience play. Builders who get this right will not only extend lives — they’ll enhance their quality, and lead in one of the world’s fastest-growing markets. 👉 At Kaleidoscope, this is the kind of intersectional strategy we love to design — where social resilience and ROI grow together. #LongevityEconomy #HealthyAging #BuilderEconomy #InclusiveDesign #InformalEconomy #CareInfrastructure #SocialResilience #ImpactStrategy #KaleidoscopeEarth

STRATEGY + BUSINESS Clocking out: Millennials and the workforce A new book questions old paradigms about the meaning of time and work. Saving Time: Discovering a Life Beyond the Clock (by Jenny Odell, Random House, 2023) One of the most infamous charts in modern macroeconomics is a comparison of productivity and wages in the US since the end of the Second World War. In the decades following 1945, wages moved upward in lockstep with productivity as the economy modernized and became more efficient. But since the end of the 1970s, the two lines of the productivity–wage graph have dramatically diverged. Productivity has continued to grow at a healthy rate, but incomes have stalled. https://lnkd.in/gTStcKvM

Something you may not know about me is that I’m a CPA. And if there’s one thing I’ve learned, it’s this: follow the numbers, because they’ll show you where the real opportunity is. Right now, that’s the Longevity Economy. Last week I sat down with my colleagues Najeeb Uddin and Lauren Young to talk about this opportunity, at an event hosted by Venture Vitamin.       So, what is the Longevity Economy? It’s the growing economic power of people 50 and older. They’re just 35% of the U.S. population but drive $8.3 trillion in economic activity – that's the third largest economy on Earth if you break it out. We are living longer, working longer and spending more. And while the market is changing fast, business is catching on.      At AARP, we’re not just reacting – we're investing. We’re partnering with innovators to deliver what people 50-plus actually want: tools to stay independent, connected and in control of their lives.     Consider these numbers:  ◾ Technology: 99% of individuals 50 and older own at least one device. They are using tech to stay healthy, safe and remain in their homes.   ◾ Money: 65% have used a financial app or site in the last three months. They control more than half of all consumer spending and women 50 and older are on track to control 75% of global discretionary spending by 2028.   ◾ Caregiving: 27% of those over 50 are caregivers. They want tools that ease the burden, and many are willing to pay for them.      But here’s the catch: Most tech still isn’t designed with older adults in mind. In fact, 59% say it feels like tech isn't built for them. That’s a big gap, but it is a bigger opportunity.      By 2030, the Longevity Economy will contribute $12.6 trillion to the U.S. economy. By 2050? Over $26 trillion. This isn’t a niche. It’s the future of the economy. And the companies that get it right will be the ones that build with this generation in mind. Not as an afterthought, but as the priority.     #LongevityEconomy #Innovation #FutureOfWork #AgeTech #AARP  

The Demographic "Time Bomb" That Isn't According to new research from Goldman Sachs, the narrative around global aging needs updating. Yes, populations are aging. But here's what's actually happening: 70 is the new 53. ✓ Effective working lives in developed economies increased by 4 years ✓ Despite declining working-age ratios, employment rates actually rose ✓ Dependency ratios have fallen, not increased The "demographic time bomb" narrative assumes people stay locked into 20th-century retirement patterns. They don't. When people live to 82 instead of 61, they naturally adapt—extending their productive years. This isn't policy-driven. It's happening in countries with minimal pension law changes. It's an organic response to increased longevity. For businesses: This is less about managing decline and more about reimagining how we think about careers, skills development, and intergenerational workforces. The real story? Managing this transition well—and we're already doing it. Source: Goldman Sachs Global Economics Analyst, "The Path to 2075 — The Positive Story of Global Aging"

https://lnkd.in/e2wb8Fzm 𝗧𝗵𝗲 𝗥𝗶𝘀𝗲 𝗼𝗳 𝘁𝗵𝗲 𝗖𝗵𝗶𝗲𝗳 𝗟𝗼𝗻𝗴𝗲𝘃𝗶𝘁𝘆 𝗢𝗳𝗳𝗶𝗰𝗲𝗿: 𝗗𝗲𝗺𝗼𝗴𝗿𝗮𝗽𝗵𝗶𝗰𝘀 𝗛𝗶𝘁𝘀 𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝘆 This Forbes piece caught my attention because it powerfully articulates a demographic and strategic shift I’ve been following closely. The statistics have been with us for some time. Here’s one: By 2030, every living baby boomer will have reached 65+, creating the largest older population in U.S. history. Across Asia and Europe, similar shifts are reshaping economies and workforces. The article highlights companies “reframing aging from stigma to strength” as a huge new market opportunity: •𝗟’𝗢𝗿𝗲𝗮𝗹 treats age as an asset in the workplace and marketplace. Their five-pillar longevity framework – intergenerational exchange, health & wellness, employability, retirement transitions, and alumni engagement – is advanced throughout their subsidiaries. •𝗙𝗶𝗱𝗲𝗹𝗶𝗱𝗮𝗱𝗲, Portugal’s largest insurer, appointed Mafalda Honório as Head of Longevity in 2023 to integrate aging into product innovation and national dialogue. •𝗧𝗵𝗲 𝗘𝘀𝘁𝗮𝘁𝗲, an ultra-luxury hospitality brand, appointed Kenneth Ryan as Chief Longevity Officer. One of his first initiatives blends AI-driven health assessments and biological age tracking into premium guest experiences. 𝗣𝗶𝗼𝗻𝗲𝗲𝗿𝘀’ 𝗞𝗲𝘆 𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝗶𝗲𝘀 •Start with strategic alignment •Secure senior leadership buy-in •Address both markets and talent •Don’t treat longevity as a short-term trend Emerging leaders have had a mindset shift. They’re reframing longevity with the understanding that an older workforce brings assets many organizations desperately need: 𝗲𝘅𝗽𝗲𝗿𝗶𝗲𝗻𝗰𝗲, 𝗽𝗲𝗿𝘀𝗽𝗲𝗰𝘁𝗶𝘃𝗲, 𝗲𝗺𝗼𝘁𝗶𝗼𝗻𝗮𝗹 𝗶𝗻𝘁𝗲𝗹𝗹𝗶𝗴𝗲𝗻𝗰𝗲, 𝗮𝗻𝗱 𝗹𝗼𝘆𝗮𝗹𝘁𝘆. After years of well-intentioned dialogue without real action, it’s exciting to see tangible steps finally taking shape. The appearance of the Chief Longevity Officer role is more than symbolic.  It signals that demographic change is finally being met with strategy, leadership, and intent. It’s a welcome and long-overdue milestone. #longevityeconomy #agetech #innovation #corporatestrategy #chieflongevityofficer #reframingaging #healthspan #businessinnovation

From Silver → to Longevity → to the Lifetime (younger) economy Silver economy: purpose-built products/services for the 50+ market. Preserve health and wellbeing. Pension planning, succession planning. Inclusive technology and policies. Longevity economy: intergenerational redesign of work, health, finance and policy to fund longer lives. Lifetime economy: younger cohorts preparing for 70-year careers, early financial longevity, and preventive health — a growth arena often overlooked by providers. What organisations should do now: • Understand that needs and requirements that come along with the longevity industry are distinct and different per segment. • Build longevity-literate products (income smoothing, career breaks, caregiver cover) that factor in the change or needs over time. • Invest in lifelong learning/reskilling infrastructure. • Shift from age segmentation to intergenerational design. Wellthspan Advisory helps organisations, employers and interested individuals win across healthspan + wealthspan. #LongevityLiteracy #Lifetimeeconomy #Longevityeconomy #Silvereconomy #WellthspanAdvisory

Time to understand that Longevity Economy is not homogeneous but needs to be separated! People mix up three ideas: 👵 silver economy 🧬 longevity economy 👶 and what is starting to be reconized the lifetime economy. Silver economy: markets serving the 50+ population (healthcare, housing, assistive tech, senior travel). Longevity economy: the cross-generational transformation of work, finance and health driven by longer lives. The umbrella. Lifetime economy (emerging): the youth-focused side of longevity — continuous reskilling, early financial longevity planning, and preventive health for <50 cohorts. Why it matters: Gen Z/Millennials will reskill multiple times, balance caregiving, and need portfolios that fund healthspan + wealthspan across decades. Policy and business need to design for every generation, not just 50+. Customers above 50 focus on pension planning, succession planning, preserving health, inclusive technology and overall services catered for the older generation. At Wellthspan Advisory, I help organisations and individuals turn longevity from a cost centre into a growth strategy. ❓ Does “lifetime economy” help you think about longevity beyond 50+? #LongevityEconomy #LifetimeEconomy #SilverEconomy #WellthspanAdvisory

💡 The Silver Economy already fuels 40% of U.S. GDP — and it’s just getting started Longevity is rewriting what it means to age. It’s not a burden — it’s a growth engine. And If you don’t have a longevity strategy, you don’t have a growth strategy (by Annie Coleman) In the U.S., the Silver Economy generates nearly 40% of GDP ($8.3 trillion annually) and could reach 39% of global GDP by 2050 (AARP & Oxford Economics). Behind those numbers is a powerful truth: Older adults are driving innovation, spending, and purpose. 🧘 Wellness: Health has shifted from treating disease to sustaining vitality. The 50+ population drives 60% of healthcare spending, fueling AgeTech breakthroughs — from wearables to AI-based monitoring. 💼 Work: “Retirement” no longer means stepping back. Many 55–64-year-olds are starting businesses and pursuing second careers — turning experience into energy. 🏠 Living: More than 90% of seniors want to age in place, transforming housing, design, and travel experiences built for comfort, safety, and meaning. Longevity isn’t a challenge to fix — it’s one of the most significant opportunities of our time. 👉 How do you see the new longevity shaping the economy and society? As a Stanford Center on Longevity Ambassador, I see this shift not as a trend — but as the foundation for a new economic era. #SilverEconomy #Longevity #FutureOfWork #ActiveAging #Innovation

Nordic PE was born in the '80s. So were we – the millennials. Back then, just a handful of funds operated across the region. Today, there are over 100 Nordic PE and growth managers. EQT alone manages +€260B - a global heavyweight. Over two decades, Nordic funds have quietly outperformed peers in both Europe and North America, according to StepStone’s study of ~12,000 realized buyouts - attracting growing interest from global institutional investors (two new Nordic PE Searches just launched on our platform). But performance is only part of the story. The real shift is generational. Many of us who entered post-crisis (2009–2015) are now making decisions - deploying record capital into a more complex world: Sustainability. Geopolitics. AI. Purpose. We’re inheriting an industry our parents built over +40 years. Will we build on tradition - or build something new? Trends shaping the next wave: - Multiplier effects - Spinouts from incumbents remain rare vs US - Consolidation - Mature firms flatten new launch velocity - The Great Wealth Transfer - Millennials are finally taking real seats of power “The young do not know enough to be prudent, and therefore they attempt the impossible – and achieve it, generation after generation.” - Pearl S. Buck