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富裕階層平均33歲時做百萬富翁 45歲做千萬富翁 6成人靠儲蓄賺第一桶金
12 Oct 2023

 

幾多歲才可以賺到人生第一個100萬?滙豐卓越理財2023新中產報告指出,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歲能成千萬富翁。當中有約6%已經達標,成為千萬富翁的平均年齡為45歲。

 

6成人靠儲蓄賺第一桶金

 

報告亦指出,約有61%受訪者以工作的儲蓄賺取其第一桶金,較少依賴其他收入來源如投資所得的利潤。而達到流動資產達1000萬港元的目標,則只有三分之一認為儲蓄是主要途徑,分別21%14%受訪者認為透過買賣投資產品、固定資產。

 

 

千萬富翁投資較進取

 

滙豐指出,分析千萬富翁的資產組合,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。而流動資金少於1,000萬港元的受訪者,其組合中有超過40%屬於無風險的存款。

 

因應近期房地產市場疲弱,報告指出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%。

 

44%父母協助子女「上車」

 

而在年輕人「上車」方面,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193萬港元。約4成父母會於子女結婚時協助他們上車,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。

 

有關的調查在今年91日至10日進行,滙豐合共對1,098名年齡介乎24-64歲,流動資產規模達100萬港元的人士進行線上線下的調查。

 

資料來源:星島日報

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