中国千禧一代将面临养老金短缺
青岛希尼尔翻译咨询有限公司（www.sinosenior.com）整理发布 2018-8-19
青岛希尼尔翻译公司（www.sinosenior.com）2018年8月19日了解到：More
than half of Chinese millennials are facing a pension shortfall by
neglecting to save for their retirement, new research has found, raising
concerns over the country’s ageing population and mounting debt pile.
Only 44 per cent of millennials — people aged 18-34 in this instance —
have begun putting money towards their pension savings, according to a
study by fund manager Fidelity International in conjunction with Ant
Fortune, the wealth management arm of Alibaba’s Ant Financial.
The study of nearly 30,000 people, 75 per cent of which were millennials,
found that the expected average retirement age was 58, reflecting a gap
between the low level of savings and the targeted retirement date.
The research underscores the lack of retirement planning among young
people in China, who are increasingly turning to consumer credit to fund
their lifestyles.
“It is concerning?.?.?.?not having the awareness [of retirement
planning] is an issue,” said Jackson Lee, country head of China at
Fidelity International. “Not having the means to save up is another
issue.”
The study found millennials believed they would need a retirement fund
of Rmb1.634 million ($237,300) to “enjoy a carefree retirement”.
But even with millennials saving a fifth of their income in cash each
month — Rmb1,339 — it would still take them about 59 years to reach the
target figure, the research said. Some 40 per cent of millennials plan
to start saving when they turn 40, while 38 per cent said they had never
thought about saving for retirement.
The combination of insufficient retirement planning, growing consumer
debt and an ageing population could put significant pressure on the
pension system.
来源:Financial Times
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