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調查:逾七成夾心家庭減低個人消費 維持家人未來生活質素
阿思達克 01-12 12:26
恆生(00011.HK)早前進行「夾心世代理財規劃及配置調查」,以小組訪談及問卷形式訪問逾300位年齡介乎25至64歲的香港夾心世代人士,發現夾心世代家庭平均由1至2名成員供養3.8位家人,受訪者的幸福感平均達67.5分的中上水平,當中家庭為其幸福感的主要來源。 調查指出,為兼顧家人需要,77%受訪夾心世代人士會以家庭為優先,減低個人消費或支出,如減少購買奢侈品或旅遊次數(87%),以維持家人未來的生活質素。逾半受訪者認為要未雨綢繆及盡快達至財務自由,對釋放壓力及增添幸福感尤為重要。 調查亦顯示,過半受訪者目前仍未儲蓄足夠的退休目標金額。為達至儲蓄目標,最多受訪者(51%)選擇減少非必要開支,其次是投資於股票市場(43%)。大部分受訪者依賴銀行提供的理財服務,以協助比較不同理財產品並選擇適切的方案,同時進行財富傳承規劃,調查結果指出一般市民希望能夠傳承450萬元資產給予下一代。 恆生銀行現時推出全新財富管理方案,以投資及保險並行,全方位助夾心世代規劃現在及未來的理財目標。(ca/cy) ~
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