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匯豐調查:本港近半富裕投資者有意「微退休」 理想年齡49歲 推新保險計劃
阿思達克 09-22 14:15
匯豐銀行最新發布的「生活質素報告2025」,對香港1,000多名富裕投資者進行調查,結果顯示,接近一半(47%)受訪者正在考慮在完全退休之前進行有計劃的休假,匯豐稱這新趨勢為「多重退休」或「微退休」。 富裕投資者定義為擁有10萬至200萬美元可投資資產的人士。在這47%打算「微退休」的受訪者中,大多數人(46%)計劃「微退休」兩至三次,並表示第一次進行休假的理想年齡是49歲。 此外,香港受訪者認為「微退休」的理想期限為6至12個月(31%),而大部分(40%)受訪者打算每次「微退休」花費最高78.5萬港元。 在支付「微退休」的支出方面,受訪者表示主要靠股息、利息收入及資本收益(51%),其次為個人儲蓄(42%)。此外,最受香港受訪者歡迎的三個「微退休」地區為內地(37%),日本(23%)及台灣(22%)。 匯豐保險今日(22日)宣布推出匯越保險計劃,該產品旨在為客戶在退休後提供利息收入,同時保存本金,以實現財富傳承和遺產規劃的目標。最低總保費門檻為3年繳付2.5萬美元(或等值港幣),並從第四個保單年度起至99歲每月提供保單金額4.6%年度派發率的非保證紅利支付,以支持客戶的財務需求。 公司稱,有別於市場同類計劃,該產品設有專為即將退休的客戶量身訂製的健康附加保障。若受保人被診斷出患有指定重大疾病,包括嚴重認知障礙、中風、喪失肢體、腎衰竭或柏金遜症,計劃將會在指定期內提供每月額外保障。另外,如被診斷出患有癌症、中風或心臟病,則可以選擇退還保費,無須等待,確保在最需要的時候提供全面的支持。 匯豐保險香港及澳門行政總裁曾珮珊稱,退休形式不斷變化,比起等到退休年齡直接退休,愈來愈多人選擇分段進行退休計劃。該些新興的退休方式需要靈活的財務計劃支持才能實現。
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