年金解惑

據政府中期人口統計數據,本港未來廿年人口老化的速度將顯著加快,65歲及以上長者的比例,將由2016年的17%增加至2036年的31%。香港人愈趨長壽,「老友記」就要面對不斷花錢的挑戰。

匯豐統計,若要享有舒適退休生活,退休前要儲410萬元,每月開支逾兩萬元,可容許個別日子「食豪啲」,又可請個外傭、環遊世界,享受人生。

強積金計劃推行17年,平均帳戶權益只有約15萬元,要應付退休可能只是「滄海一粟」。政府推出的公共年金計劃能否為退休人士,殺出一條新出路?100萬元的投保上限,每月獲取約5800元,是否足夠?現時的年輕一族又應如何策劃未來?

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