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調查指港人52%月入作日常開支 18至35歲安全感最低 逾四成有財務負擔
05 Jan 2024

 

保誠(2378)發布「保誠財務健康指數」調整結果,整體得分有53.1分,反映受訪者對目前的財務安全感較有信心,但長遠財務自由規劃的信心相對較少。

 

 

關注目前財務多於未來需要

 

保誠首席產品管理總監馮偉成表示,調查反映港人在目前和未來的財務安全感均較財務自由度為高。他指即使港人儲蓄目標清晰,但進入完全財務自由的確有難度。加上不少人要預算52%月入作為日常開支,因此他們更會關注目前的財務狀況多於未來需要,或妨礙他們實現財務目標,引致他們對退休後的財務狀況信心不大。

 

5060歲最擔心生活質素及住屋

 

他又指,受訪者隨着年齡增長,憂慮會由父母健康漸轉到外在因素,5060歲受訪者之中,57%會擔心個人生活質素、56%擔心住屋開支、51%擔心經濟環境,可見及早規劃財務變得十分重要。

 

其他年齡層方面,1835歲人士的未來財務自由度及安全感得分屬所有年齡層中最低,當中背負財務負擔佔43%、欠清晰儲蓄目標有26%。相反,即使較年長的受訪者要支付家用、育兒開支,無疑令儲蓄減少,但3649歲及5060歲的財務樂觀度得分反而有52.4分及55.1分,較183551.9分高,主要由於50歲以上受訪者累積到一定財富,又毋須供養父母或子女。

 

 

息口回落 部份人偏好年金

 

保誠推出升級版年金計劃,提供額外保障、協助客戶填補財務保障缺口。馮偉成指,該年金每年的年金率相當已繳總保費的7%,約6%屬保證部分。另外,現時息口有所回落,他亦觀察到不少客戶都偏好穩定現金流的年金。

資料來源:星島日報

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