調查:受訪者普遍預期退休儲備達397萬 52%料儲備不足應付舒適退休生活
宏利香港訪問1,021名25歲或以上在職、退休等人士,調查發現約三分一在職港人傾向退休後把包括強積金累算權益在內的退休儲備投資於股票,因而面對較高投資波動性風險。調查結果顯示目前缺乏為退休人士帶來定期及穩定收益的有效退休後方案。
調查發現,受訪者普遍預期退休時的累積儲備達397萬元,以受訪者的預期退休年齡63歲,及港人平均壽命85歲計算,要維持22年的退休生活開支,退休後平均每月可用開支約為1.5萬元。另外,52%受訪者預期退休時沒有足以應付舒適退休生活的儲備。為彌補退休儲備不足,受訪者打算減少日常生活開支、尋求政府資助、退休後繼續工作或投資。
另外,儘管退休儲備可能不足以應付理想中的退休生活,逾半受訪者表示不會在退休時一筆過提取強積金累算權益,或尚未決定。至於對可提供定期收益及以跑贏通脹為目標的退休後強積金方案之接受程度,調查發現,49%受訪者非常感興趣或甚有興趣把這種方案加入其強積金投資組合,而受訪者認為方案最吸引之處是有派息(52%)、退休後有穩定收入(48%),以及低風險(30%)。(ek/u)
~
Follow us
Find us on
Facebook,
Twitter ,
Instagram, and
YouTube or frequent updates on all things investing.Have a financial topic you would like to discuss? Head over to the
uSMART Community to share your thoughts and insights about the market! Click the picture below to download and explore uSMART app!

Disclaimers
uSmart Securities Limited (“uSmart”) is based on its internal research and public third party information in preparation of this article. Although uSmart uses its best endeavours to ensure the content of this article is accurate, uSmart does not guarantee the accuracy, timeliness or completeness of the information of this article and is not responsible for any views/opinions/comments in this article. Opinions, forecasts and estimations reflect uSmart’s assessment as of the date of this article and are subject to change. uSmart has no obligation to notify you or anyone of any such changes. You must make independent analysis and judgment on any matters involved in this article. uSmart and any directors, officers, employees or agents of uSmart will not be liable for any loss or damage suffered by any person in reliance on any representation or omission in the content of this article. The content of the article is for reference only and does not constitute any offer, solicitation, recommendation, opinion or guarantee of any securities, virtual assets, financial products or instruments. Regulatory authorities may restrict the trading of virtual asset-related ETFs to only investors who meet specified requirements. Any calculations or images in the article are for illustrative purposes only.
Investment involves risks and the value and income from securities may rise or fall. Past performance is not indicative of future performance. Please carefully consider your personal risk tolerance, and consult independent professional advice if necessary.