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調查:香港富裕階層平均於33歲成為百萬富翁
阿思達克 10-10 14:47
匯豐調查發現,香港富裕階層人士平均在33歲時成為百萬富翁,他們亦有信心在62歲能賺得1,000萬元。 報告指出,61%的受訪者依靠來自工作的儲蓄以賺取其第一桶金,較少依賴其他收入來源如投資所得的利潤。然而,要實現流動資產達1,000萬元的目標時,只有三分之一認為儲蓄是主要途徑,分別有21%和14%受訪者傾向透過買賣投資產品和固定資產達致財富增值。 報告指,每17名受訪者便有1名是千萬富翁,成為千萬富翁的平均年齡為45歲。分析他們的資產組合,發現他們都採取較進取的投資方式,平均將70%的流動資金投放在不同類型的金融資產上。相比之下,流動資金少於1,000萬元的受訪者,其組合中有超過40%屬於無風險的存款。 近期房地產市場疲弱,令部分人對物業能保值的信心有所動搖。只有約過半數的受訪者認同買樓保值的傳統概念,較去年的調查下跌23個百分點。此外,57%的受訪者預期本港住宅價格於未來12個月會下跌,更有四分之三受訪者預計本地經濟於來年將不會改善,甚至出現下滑。 不過,市場的不樂觀情緒並沒有完全改變受訪者對物業的看法,物業依然是建立財富及傳承計劃中不可或缺的工具。多達44%的受訪父母表示會提供財政支援協助子女置業,平均計劃資助193萬元。每10個父母就有4個表示會於子女結婚時協助他們上車,有四分一受訪父母更打算子女在子女年滿18歲或之前協助他們置業。 今年9月1至10日,匯豐合共對1,098名年齡介乎24至64歲,流動資產規模達100萬元的人士進行線上線下的調查。
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