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59%受訪市民過去半年憂慮財務 滙豐指理想退休需470萬
26 Jan 2021


滙豐銀行的調查結果發現, 有三分之二的受訪市民即使無任何收入,目前的現金儲備亦足以應付未來6個月的基本生活開支,但受到疫情影響,有59%受訪者表示,過去6個月有財務憂慮。而受訪市民傾向增持現金,投資方面趨於審慎。


圖片來源:網絡

滙豐銀行去年910月 訪問了1507名年齡介乎1864歲的本港銀行用戶, 顯示面對前景不明朗,現金及儲蓄佔流動資產的比例增加至66%,較6月時上升3個百分點,只有餘下約三分之一資產用作投資。

不足一半受訪者有利用產品增加財富,當中有30%受訪者投資本地股票。26%受訪者及10%受訪者有進行港元儲蓄存款和港元定期存款。


圖片來源:網絡

調查又顯示,只有36%的受訪者有信心為退休儲備足夠資金,較之前下降2個百分點。 受訪者平均計劃在61歲退休, 而近三成受訪者更希望在55歲或之前退休, 預期平均退休開支為每月16300元, 香港的平均壽命為85歲,位居世界第一,粗略估算,市民的理想退休資金達到470萬元。

滙豐香港區財富管理及個人銀行業務主管伍楊玉如表示, 不少受訪者面對經濟下行選擇增持現金, 但忽略長遠財務計劃, 應宏觀考慮不同的財務目標, 例如及早準備理想退休生活。

 

資料來源:星島日報

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