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調查：五成受訪者定期向在職子女提供財政支援
09 Nov 2017

友邦退休管理及信託發表調查報告指，在職港人平均退休商數（RQ）為65分，較去年多一分，主要由於市民的對退休方面知識職面增加，而當中近三成受訪者RQ不合格，代表退休準備不足，平均需延遲13年退休。

該公司於今年8月份，訪問共1010名年齡介乎18至60歲，及最少擁有一個強積金帳戶的在職港人進行理想退休生活調查。調查發現，近七成受訪父母稱在現今香港難免要助子女置業，半數父母認同助子女上車較個人退休重要，逾五成父母更願意加按自住物業助子女置業，曾提供資金支持子女置業的受訪父母中，平均資助額約90萬元，以此推算，高達80%父母的退休儲備不足，如果不想延遲退休，則退休後平均要削減每月生活費約1.6萬元。

A senior man reading the newspaper with a cup of tea by his side in the morning

調查又發現，有50%父母仍有定期向在職子女提供財政支援，雖然近八成子女同意應該定期給父母家用，但大部分子女坦言自身難保，難以照顧父母的退休生活。
友邦退休金管理及信託行政總裁馮裕褀表示，是次調查揭示港人退休的新現象，但提醒父母不應只顧協助子女上車，若動用退休儲備，甚至加按物業，將影響退休後的生活質素，經濟逆轉時，更會面對沉重的債務負擔。

對於積金局早前探討研究容許港人以強積金作為首置之用，馮裕褀對此表示開放態度，但要視乎最後政策的細節。他認為退休應兼顧衣食住行及醫療等多方面。

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