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40歲打工仔MPF資產中位數66萬元 BCT籲善用自願性供款
26 Jun 2025

 

BCT銀聯集團最新數據顯示，一名從22歲大學畢業後開始工作的港人，連續供款18年，到40歲時強積金資產中位數約為66萬港元。若持續供款20年，資產中位數更可達89萬港元。

 

BCT指出，40歲是財務規劃的重要分水嶺，此年齡段的打工仔通常已有一定強積金累積，但同時面臨供樓、養育子女及照顧父母的多重經濟壓力，使退休規劃變得尤為重要。施羅德投資2024年的網上調查顯示，香港打工仔的退休儲備與理想退休開支平均相差240萬港元。超過70%未退休港人計劃退休後繼續工作，比例遠高於美國的40%，反映本地退休規劃不足的問題。

 

 

BCT業務定位及客戶方案高級總監王玉麟表示：40歲是財務規劃的分水嶺，但真正的黃金期是畢業後首10年。受惠於複利效應，越早開始穩健投資，累積效果越顯著。BCT建議，若40歲時的強積金未達標，市民可考慮增加可扣稅自願性供款(TVC)或特別自願性供款(SVC)，並採取多元化投資策略以爭取合理回報。同時，強積金屬長期投資，應避免因市場短期波動而恐慌拋售。


原文摘取自《星島頭條》

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