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Understanding Asset Management Across Generations

On November 27, 2025, MetLife Insurance Company released findings from their nationwide survey, "National Survey 2025," which included responses from approximately 14,100 individuals across various age groups from 20s to 70s. The survey focused on attitudes towards asset management and future preparations, particularly highlighting the differences between generations.

Key Findings

This survey indicates a common set of concerns among adults in their 40s to 50s, especially among those who experienced the job-hunting ice age in Japan. These adults frequently express anxieties about asset management and perceived risks, feeling a lack of financial freedom amidst limited income and savings. However, it appears that individuals in their 40s are showing a mindset more aligned with their 30s counterparts, indicating a willingness to learn and engage in asset management. In contrast, those in their 50s, facing the reality of elder care for their families and planning for their retirement, exhibit more reluctance towards engaging in asset management despite their heightened fears about retirement.

Gap Between Concerns and Actions

The survey highlighted a notable gap between concerns about the future and the actions taken towards asset management. About 30% of respondents in their 40s and 40% in their 50s reported that they are not currently engaging in asset management and have no intention to start. Despite this inertia, around 70% from these age groups cited concerns regarding future living conditions in retirement, with nearly 50% fearing issues regarding pensions. This mismatch between worry and action underscores a critical disconnect.

Barriers to Asset Management

As respondents age, the reasons for refraining from asset management become more pronounced. There is an increasing reluctance to take risks, with many stating that they do not have sufficient income or savings to invest. This fear stems from volatility in the markets and a lack of believe in potential salary increases, creating barriers that hinder engagement in asset management initiatives.

Forward-Looking Attitudes of Those in Their 40s

Interestingly, individuals in their 40s are showing a more optimistic outlook towards future asset management compared to their 50s counterparts. More than 70% of respondents in their 40s expressed a desire to gain knowledge about markets and financial products, while approximately 30% indicated interest in increasing their NISA (Nippon Individual Savings Account) holdings or starting new investments. This trend closely mirrors that of individuals in their 30s, exposing a clear difference in outlook between the two age brackets. Additionally, a noteworthy number of respondents in their 40s also showed optimism regarding salary increases in the coming year, indicating a positive mental state.

Conclusion and Recommendations

Reflecting on these findings, financial planner Mie Ido provides valuable advice for asset formation across different life stages. While the early 20s and 30s should focus on proactive preparations, individuals in their 40s and 50s need to reassess their financial strategies. The looming realities of personal retirement preparation and elder care for their parents make it imperative for individuals in their 50s to engage in discussions about asset management planning with family, especially during key financial periods like bonus seasons and year-end festivities.

For complete details on the survey results, visit the official MetLife homepage.

About MetLife Insurance Company

MetLife commenced operations in Japan in 1973 as the first foreign life insurance company and has since grown into one of the world’s leading insurance groups. Serving both individual and corporate clients, MetLife’s innovative products are tailored to meet diverse risk scenarios, reflecting a commitment to understanding and fulfilling the evolving needs of its customers.