渣打调查:66%港人认为疫情以来理财越见困难 33%过去一个月曾增加投资
渣打银行最新环球调查显示,新型冠状病毒疫情令大部分香港人在管理财务时变得更困难,不少人选择增加投资以达成财务目标。调查显示,三分之二(66%)香港人认为自新冠疫情爆发以来,管理财务越见困难。为改善财务状况,两成八有最少一项财务目标的受访者表示调整了每日的使费预算,三成八表示曾检阅手头的储蓄或投资以获取更佳回报。
三成三香港人表示在过去一个月曾增加投资,在不同的年龄组别中,以45至54岁最为进取,近半(47%)表示曾分配更多资金用於投资。较大部分(34%)来自此组别的受访者对他们的储蓄和投资回报感到满意,比率高於较年轻的群组,18至24岁为29%,25至34岁为27%。
在香港,四成人对达成财务目标更有信心,而45岁以上的人(44%)较年轻人信心更大。另外,不少香港人在新冠疫情前已经有使用如流动钱包等的数码渠道管理日常财务,而且反应正面。未曾使用数码渠道的受访者中,很多人都表示计划未来三年开始使用财务管理/预算手机应用程式(46%)或储蓄/投资手机应用程式(49%)。
渣打香港财富管理部主管潘伟勇表示,自疫情开展以来,注意到数码财富管理工具的使用量大幅上升。例如渣打通过数码渠道进行的单位信托基金交易在今年首九个月按年急升超过两倍,同期的外汇交易量亦上升近五成。
是次研究共分为三阶段,旨在探讨新冠疫情如何改变生活方式,以及哪些变化将继续保留。第三阶段在今年9月底至10月初进行,共访问了1.2万名名来自渣打12个市场,即香港、印度、印尼、肯亚、中国内地、马来西亚、巴基斯坦、新加坡、台湾、阿联酋、英国及美国的成年人。
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