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allianz study retirement allianz study finance allianz knowledge pension demography aging climate change risk mobility pensions pension systems microinsurance retirement investing wwf retirement plan europe retirement planning demographics retirement money capital markets retirement age investment pulse market prospects demand demographic allianz risk pulse demographic change climate savings population european union piracy international funds agcs retirement portfolio allianz global investors fiscal cliff studie bush tax cuts growth u.s. economy global slowdown spending cuts open knowledge market india pimco insurance indonesia saving allianz sustainability report africa lifetime income pension funds energy fiscal crisis baby boomers pensions western europe tax breaks road users oder poverty naturkatastrophen fluten prävention überschwemmung women labour risiko aid china workforce disaster relief phineo donation potential risks floods nanotechnology natural disaster risk faces mitigation ancient methods modern risk reduction natural disasters traffic safety risk assessment population prospects us microinsurance report 2010 2010 report social problems social entrepreneurship laos policie russia carbon climate brochure climate tipping points tipping points scorecards climate scorecards 2009 g8 climate scorecards hedging climate change climate change insurance energy and climate policy europe wwf study recipe climate policy climate report arctic feedback report global warming oldies turning points direction contribution benefit defined trend global economic analysis crisis financial funded pay-as-you-go life spain france germany aims italy responsibilty social households private connected car systems retirement savings public pensions nachhaltigkeitsbericht nachhaltigkeit allianz nachhaltigkeitsbericht allianz wissen corporate finance fiscal pressure netherlands changes low yield environment retirement system legal risks economic risks country risks business risks business michael heise euro 2022 target picture europa 2022 monetary union europa market commentar allianz paper regulation investor relation survey governance risk pulse road safety road accidents japan united kingdom immigration reduce retirement united states productivity gdp decline wealth home improvement home protection firemans fund homeowner property wildfires wildfire eurozone debt crisis investing euro ris pulse knowledge zukunft der mobilität future of mobility mobilität focus trends emobility ecars driverless cars old-age dependency ratio shipping seafarer titanic maritime risks shipping saftey ships ship construction costa concordia co2 emissions carbon reduction herausforderung demenz demenz studie demenz demographic pulse alzheimer health alzheimer's disease dementia wachstum demografie demografische zeitenwende prognose wirtschaft demographi weltbevölkerung bevölkerungswachstum allianz studie world population demographic turning point population growth telematics traffic casualties traffic accidents allianz center for technology investment risk treasury investment treasury inflation protected securities zvi bodie global wealth report retirement investments allianz life insurance north america annuities guaranteed income financial personalities reclaiming the future gary c. bhojwani allianz life insurance retirees insured retirement solutions boston university pension plan laurence kotlikoff social security space debris space space risks aging societies retirement landscape money management saving behavior money