汇丰调查:疫情下香港市民增持现金至66%
汇丰「FinFit」最新调查显示,虽然香港银行用户普遍相信自己能够做到未雨绸缪,手头现金足以应付不时之需,但新型冠状病毒疫情持续,影响全球经济及就业市场,受访者倾向增持现金,并在投资方面趋於审慎。
调查中有三分之二受访者表示,即使没有任何收入,目前的现金储备也足以应付未来六个月的基本生活开支,惟面对前景不明朗,现金及储蓄占受访者流动资产的比重增至66%,较2020年6月的调查上升3个百分点,只有余下约三分之一资产用作投资。不足一半受访者有利用投资产品增加财富,最常用的投资工具包括本地股票(30%受访者)、港元储蓄存款(26%)和港元定期存款(10%)。
汇丰「FinFit」调查旨在探讨有关财务健康的不同主题,最新的调查集中研究本港银行用户如何为退休作准备,结果显示受访者平均计划在61岁退休,而近30%受访者更希望在55岁或之前退休。整体而言,「HSBC FinFit Index」从半年前的67微跌至66。
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