規畫退休…台上班族比上代多花8年準備

retirement-sign-3匯豐集團長期進行退休調查《未來的退休生活》,在最新的「世代與歷程」報告中發現,由於醫療進步、平均壽命增長,全球上班族(準退休人士)預估需比現已退休人士多存七年的錢才能退休,而台灣的上班族(準退休人士),則預估要比現已退休人士多八年時間準備退休。

匯豐在全球17個國家調查超過1萬8000名受訪者,調查發現目前已退休的世代,普遍在35歲開始準備退休,並利用23年時間儲蓄,在58歲時退休。相較之下,目前仍在職的上班族,提早在30歲開始規畫退休,並希望在60歲便退休,代表這一代的上班族需要30年準備退休,比上一代需要多7年時間。

在台灣,已退休人士過去在42歲開始,用16年時間準備,到58歲退休。但來到這一代,準備退休的時間提早至35歲,打算利用24年時間準備,希望在59歲時退休,較上一代多8年的準備時間。對比起中國大陸上班族需多花14年、香港上班族要多10年的退休準備時間,台灣在兩岸三地中可說是相對輕鬆一些。

在選擇退休工具方面,不論已退休及上班族,現金儲蓄是主要的退休儲備(上班族58%/退休族47%),但與上一代不同,現在仍在準備退休的上班族,36%表示會延長工作年期來賺取額外收入(退休族為9%)。上班族亦較退休族會選擇投資股票作退休準備(上班族32%/退休族22%),9%的上班族會以賣房或搬到較小住宅來增加退休收入。

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