匯豐調查:家長送子女海外留學平均預計需265萬元 最少五年籌措
匯豐一項調查發現,家長如計劃送子女到海外升學,預計平均要花費265萬港元(下同),需時最少五年才能累積足夠款項應付開支。
該行於2023年4月18日至26日進行網上調查,共訪問了386名年齡介乎24至64歲、擁有100萬元以上流動資金、至少有一位年齡介乎6至22子女現正或有計劃於海外升學的家長。
調查顯示,30%的家長計劃讓子女在中四至中六期間到海外留學,32%表示當子女到大學階段才會安排。大約三分之一的家長預期子女會取得碩士或以上學位,平均開支為330萬元。
大多數家長(58%)預計實踐子女海外升學計劃需要花費100萬至300萬元,平均開支約265萬元。六成家長認為需要五年或更長時間才能累積足夠的資金。然而,大部分家長(52%)只在子女負笈前一至四年前才開始準備。
調查亦發現,受訪者平均將家庭每月收入的21.7%預留作升學儲備;三分之二同意需增加投資並減少非必要支出,但60%的受訪者認為要實現目標仍有一定難度。三成受訪家長會考慮變賣資產或以個人資產進行再融資。
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