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花旗调查:本港千万富翁达50.4万人占相关年龄人口8.4% 近四成已婚并有供养子女
阿思达克 09-23 15:29
花旗银行一份调查显示,以截至2020年5月数据推算,全港拥有1,000万元或以上净资产的「千万富翁」达50.4万人,占全港相关年龄人口8.4%,当中10.6万人拥有千万元或以上流动资产。若计算2019/2020年千万富翁的净资产值,中位数为1,700万元,较2018年的1,630万元有所增加。

调查分别於2019年11月至12月及2020年3月至5月两段期间进行,透过电话以随机形式总共访问了超过3,500名年龄介乎21至79岁之香港居民。是次调查中,「千万富翁」的定义为拥有净资产总值达1,000万港元或以上,而同时拥有最少100万港元流动资产的富裕人士。

就投资组合而言,数据显示大部分千万富翁均持有股票及外币(包括人民币)、其次是基金、债券、贵金属、期权期货等产品。当中股票、外币及人民币为渗透率最高的三大投资工具。

千万富翁的净资产总值主要分布於物业(78%)、现金及存款(10%)、股票(6%)、基金及债券(4%)以及其他投资产品(2%)。近八成千万富翁看淡未来12个月的楼市,与2019年的72%相比,有较多富裕一群看淡楼市。对於置业兴趣及时机,主流观感继续跟以往相同,对楼市保持观望态度,然而表示有兴趣及认为现时为置业好时机的人数则有所增加。

调查结果显示,男性「千万富翁」比女性为多,比例分别为56%及44%;男性平均年龄为58岁,女性为57岁。「千万富翁」的家庭状况以已婚并有供养子女的父母为主,占38%;其次是已婚而子女财政独立的父母,占30%;单身的「千万富翁」占21%;比例最少的是已婚而没有子女的一群,占12%。调查结果亦显示,女性「千万富翁」比男性千万富翁的开心指数微高。

54%的「千万富翁」为非在职人士,当中85%为退休人士,其余15%为家庭主妇;在职人士占千万富翁人数的46%,其中占最多数为行政人员,占25%;专业人士占23%;拥有自己营运业务或是自雇人士占22%;以及辅助专业人员(护士、教师、部门主管、保险代理等)占10%。

调查另显示,要供养子女的「千万富翁」认为与其花在自己身上,宁愿付出更多在子女教育、生活质素及体验各方面。为子女提供优质教育无可置疑是他们的首要考虑,他们亦会严谨管教子女需要谨慎理财。

该行零售银行业务主管李贵庄称,香港「千万富翁」以已婚并有供养子女的父母为多,净资产中位数为1,700万元,较2018年有所增加,相信主要由於楼价上扬、多元资产平衡配置策略,以及数码理财灵活弹性等因素所致。她亦表示,现今的新一代有很多想法,发展路向亦比上一代多,父母都为自己下一代准备充足,助他们发掘潜能、发挥专长。

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