星展與宏利聯合調查:港人對長壽的最大擔憂爲健康及儲蓄
星展銀行及宏利一項調查發現,對於活得比平均壽命更長,港人的最大擔憂是財政睏乏和健康轉差的危機。調查結果反映,大部分受訪港人認爲有需要儲蓄更高比例的收入,累積現金儲備,抵禦未來風險。
「星展與宏利爲未來做好準備調查」結果顯示,在受訪者當中,42%認爲長壽的最大挑戰是健康轉差、用盡積蓄(24%),以及需要工作更久才能退休(15%)。逾半(53%)表示會增加現金儲蓄以保障未來,儘管這會有通脹風險。此外,受訪者亦表示若要有舒適的退休生活,有需要把收入的40%儲起來,但他們目前只儲起約28%。另外,Z世代及千禧世代更認爲有需要儲起一半以上的收入。
一旦預期會用盡積蓄,50%受訪者表示很可能會減少個人開支,包括減少娛樂(19%)、外出用餐(16%)及衣着開支(15%)。11%的父母會準備減少子女方面的支出。約10%受訪者指出若用盡積蓄,會考慮降低居住環境質素。
調查亦發現,香港成年人對未來的最大擔憂之一是醫療費用上漲(57%)。其他憂慮包括出現新的疫情(58%)以及財政資源不足(54%),逾半(54%)亦認爲未來30年會受通脹加劇所影響。五分之一參與調查的成年人表示退休後無人可依。一旦無法工作,大衆富裕階層中介乎35至65歲的準退休人士爲最脆弱的一羣,他們積蓄不足,沒有收入後亦難以獲得支援。同樣地,即使有伴侶的人亦認爲,會在情感上依賴另一半的支持,多於財務建議方面的支援。
雖然受訪港人普遍渴望爲未來退休而儲蓄更多,從而享有財務自由,但每三人便有一人從未諮詢專業理財顧問以規劃未來。相反,他們通常倚靠自己的認知,或家人和朋友的建議,以尋求財務安穩的未來。
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