Practical steps
实践步骤
Here are some important insights and practical actions drawn from the research findings, which may help today’s retirement savers plan a better financial future for themselves.
以下是我们从研究结果中总结的一些重要见解和实际行动,如果您目前正在为退休积极规划,这可能有助于您更好地制定财务方案。
Consider all your retirement expenses
考虑退休所需的所有花费
42% of retirees have long term savings/investments as one of their outgoings, yet only 25% of pre-retirees expect to be contributing to these in retirement.
42%的退休人士将长期储蓄/投资列为一项支出,但仅有25%的临退休人士预计到退休后要为长期储蓄/投资供款。
When planning for retirement, make sure to list all your possible retirement outgoings.
在为退休做规划时,确保列出所有可能的退休支出项目。
Start saving earlier for retirement
提前开始为退休存款
21% of retirees say they would have started saving for retirement at an earlier age, if they could have done anything differently.
21%的退休人士表示,如果有可能重来一次,他们会早几年开始为退休存款。
Plan to start saving for retirement earlier, to help build a bigger fund and allow it to grow for longer.
计划好提前开始退休储蓄,实现长期增长,获得更高金额。
Make sure your advice is professional
确保获得专业咨询意见
60% of pre-retirees and 62% of retirees who received retirement advice and/or information got it only from friends or family.
在获得有关退休的意见及/或信息的人士中,60%的临退休人士和62%的退休人士仅通过朋友或家人获得相关意见及/或信息。
Seek information from many sources, but make sure the advice you get is professional.
从多种渠道征求信息,但确保获得专业的咨询意见。
Be prepared for financial ups and downs
为财务波动做好准备
37% of pre-retirees who started saving for retirement have either stopped and/or faced difficulties saving.
在已开始为退休存款的临退休人士中,37%已停止存款或碰到困难。
When saving for retirement gets difficult, make sure to review all your finances and seek alternative ways to help you continue towards a comfortable retirement.
在退休储蓄方面碰到困难时,确保审查所有财务状况,寻求以替代方式为实现理想的退休生活提供保障。
《未来的退休生活:世代和历程》
系列往期回顾:
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汇丰的《未来的退休生活》调查
汇丰的《未来的退休生活》是研究全球退休生活趋势的独立调查,就全球人口老龄化及预期寿命延长等相关重要议题提供权威见解。最新的全球报告《未来的退休生活:世代和历程》是汇丰本系列调查的第十三期报告。此次调查由汇丰委托市场调研公司Ipsos MORI于2015年底进行,共访问全球17个国家和地区超过18,000人,受访的国家和地区包括阿根廷、澳大利亚、巴西、加拿大、中国内陆、埃及、法国、香港、印度、印度尼西亚、马来西亚、墨西哥、新加坡、台湾、阿联酋、英国和美国。汇丰的《未来的退休生活》系列调查始于2005年,迄今已在全球范围内调查访问超过159,000人次。
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