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調查:五成受訪者定期向在職子女提供財政支援
09 Nov 2017

友邦退休管理及信託發表調查報告指,在職港人平均退休商數(RQ)為65分,較去年多一分,主要由於市民的對退休方面知識職面增加,而當中近三成受訪者RQ不合格,代表退休準備不足,平均需延遲13年退休。

該公司於今年8月份,訪問共1010名年齡介乎18至60歲,及最少擁有一個強積金帳戶的在職港人進行理想退休生活調查。調查發現,近七成受訪父母稱在現今香港難免要助子女置業,半數父母認同助子女上車較個人退休重要,逾五成父母更願意加按自住物業助子女置業,曾提供資金支持子女置業的受訪父母中,平均資助額約90萬元,以此推算,高達80%父母的退休儲備不足,如果不想延遲退休,則退休後平均要削減每月生活費約1.6萬元。

A senior man reading the newspaper with a cup of tea by his side in the morning

調查又發現,有50%父母仍有定期向在職子女提供財政支援,雖然近八成子女同意應該定期給父母家用,但大部分子女坦言自身難保,難以照顧父母的退休生活。
友邦退休金管理及信託行政總裁馮裕褀表示,是次調查揭示港人退休的新現象,但提醒父母不應只顧協助子女上車,若動用退休儲備,甚至加按物業,將影響退休後的生活質素,經濟逆轉時,更會面對沉重的債務負擔。

對於積金局早前探討研究容許港人以強積金作為首置之用,馮裕褀對此表示開放態度,但要視乎最後政策的細節。他認為退休應兼顧衣食住行及醫療等多方面。

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