匯豐調查:疫情下香港市民增持現金至66%
匯豐「FinFit」最新調查顯示,雖然香港銀行用戶普遍相信自己能夠做到未雨綢繆,手頭現金足以應付不時之需,但新型冠狀病毒疫情持續,影響全球經濟及就業市場,受訪者傾向增持現金,並在投資方面趨於審慎。
調查中有三分之二受訪者表示,即使沒有任何收入,目前的現金儲備也足以應付未來六個月的基本生活開支,惟面對前景不明朗,現金及儲蓄佔受訪者流動資產的比重增至66%,較2020年6月的調查上升3個百分點,只有餘下約三分之一資產用作投資。不足一半受訪者有利用投資產品增加財富,最常用的投資工具包括本地股票(30%受訪者)、港元儲蓄存款(26%)和港元定期存款(10%)。
匯豐「FinFit」調查旨在探討有關財務健康的不同主題,最新的調查集中研究本港銀行用戶如何為退休作準備,結果顯示受訪者平均計劃在61歲退休,而近30%受訪者更希望在55歲或之前退休。整體而言,「HSBC FinFit Index」從半年前的67微跌至66。
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