• Aging populations and living longer
• Retirement ages rising in OECD countries –
in UK this will rise to 68 by 2044; France is
67 (men) and 62 (women); USA is 66
• Changing balance in demographics make-up
• Generational differences in attitudes and
behaviour, such as Generations X, Y and Z
• Demographic shifts will result in an
increasing number of workers being sought
from developing countries to replace the
aging workforce in North America and
Europe (McKinsey predicts that by the year
2040, the largest working-age population in
the world will reside in Africa.)