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保誠調查:逾九成受訪者低估預期壽命平均10.6年 僅15%自評已做好退休準備
阿思達克 09-27 15:06
保誠(02378.HK)公布「長壽風險抗力調查」結果。據調查顯示,43%受訪者認為有急切需要準備退休生活的財務規劃。而距離目標退休年齡不足十年的群組,逾三分之一(36%)受訪者只是剛剛開始退休規劃,反映大部分受訪者對為未來生活籌謀的迫切性缺乏了解。 今年9月保誠以街頭問卷形式訪問了共306名仍在工作、年齡介乎50至60歲(於退休前的黃金十年)的香港受訪者。 另外,有超過九成(92%)受訪者低估預期壽命,當中83%的男受訪者低估自己壽命平均8年(自己預期的81歲相比以香港政府統計處參考資料計有的預期壽命89歲),而幾乎全部(99%)女受訪者低估自己壽命,當中的平均數為12年(自己預期的82歲相比香港政府統計處的預期壽命94歲),對預期壽命過於保守的估計令原本未盡完善的退休規劃缺口更大。當被問及若比自己預期更為長壽時,只有13%受訪者表示為退休生活感到憂慮,63%預計退休後需要減少開支,恐令退休後生活質素下降。 另一方面,受訪者的平均目標退休年齡為66.6歲,並希望擁有330萬元財富作為退休儲備。只有15%受訪者認為自己已為退休做好準備,並有信心能夠在經濟上支持退休生活。然而,事實上有超過44%受訪者沒有足夠資金應對退休生活上的開支,更有21%在受訪期間仍未達成退休儲備目標的一半。 另外,受訪者認為自己準備最為不足的是購買有一份具良好保障的醫療保險及為退休生活做好財務上的安排。
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