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滙豐退休策劃指標 2017年12月 December 2017 HSBC Retirement Monitor 今天起步成就退休之路 Step up your retirement planning today 很多人會告訴您他們正為退休生活努力儲蓄但當中又有多少人真正明白知道要有多少儲蓄方可支持他們預期的退休生活理想退休生活全賴今日及早籌謀及早開始自然及早達標

1 滙豐退休策劃指標 2017年12月 December 2017 HSBC Retirement Monitor 今天起步成就退休之路 Step up your retirement planning today 很多人會告訴您他們正為退休生活努力儲蓄但當中又有多少人真正明白知道要有多少儲蓄方可支持他們預期的退休生活理想退休生活全賴今日及早籌謀及早開始自然及早達標現在讓我們先細心分析退休生活所涉及的各項潛在開支 Many people say they are trying their very best to save for their retirement, but not everyone has a good idea of exactly how much savings they need to support their expected retirement lifestyle. Retirement life depends greatly on the plan you make today. The sooner you start your planning, the more secure your retirement life will be. Let's start by considering your potential expenses when you retire. 每月預算開支金額 The HSBC Retirement Monitor provides an objective answer to the basic question How much will I need to support my retirement life in Hong Kong? This will give you a good idea of the monthly budget you will likely need to fund three different retirement lifestyles basic, comfortable or affluent. 現在就讓滙豐與您一起籌劃您的理想退休生活 Start planning for your desired retirement life today with HSBC. 滙豐退休策劃指標能為您提供如退休後在港生活的實際所需資金是多少等問題的客觀答案和分析讓您了解基本舒適或豐盛三種退休生活方式所涉及的

2 1 What kind of retirement lifestyle do you expect? Basic lifestyle 2 How much will your expected lifestyle cost? Budget for basic lifestyle for retired singles or couples Assumption: Living in public housing Water, electricity and gas 43.1% 24.8% 8.4% Water, electricity and gas 6.0% 4.0% Leisure and entertainment Communications 3.6% 3.5% Household goods and services 2.5% Clothing Above chart and percentage are based on the budget for retired singles. Extra budgets should be allowed for if living in private rental flat. Referring to the Hong Kong Monthly Digest of Statistics (November 2017) published by the Census and Statistics Department of Hong Kong Special Administrative Region, as at September 2017, the average rents of fresh lettings of private domestic premises is HKD per square metre per month. 2.4% 1.7% Fitness, beauty and hairdressing Health care

舒適生活 Comfortable lifestyle 舒適生活方式下單身人士或二人的退休預算開支 Budget for comfortable lifestyle for retired singles or couples 假設 Assumption: 居於私人物業按揭已還清 Living in a private flat with no mortgage 單身人士Single

3 舒適生活 Comfortable lifestyle 舒適生活方式下單身人士或二人的退休預算開支 Budget for comfortable lifestyle for retired singles or couples 假設 Assumption: 居於私人物業按揭已還清 Living in a private flat with no mortgage 單身人士Single (港幣HKD) 二人Couple (港幣HKD) 房屋外傭 Domestic helper 每月預算 Monthly budget 單身人士Single: 二人Couple: 港幣HKD23,890元港幣HKD30,160元交通上圖及百分率以單身人士退休後的預算開支計算 Above chart and percentage are based on the budget for retired singles. 如租住私人物業需額外預留每月開支參考香港特別行政區政府統計處出版的香港統計月刊 2017年 11月截至2017年9月的數據最新私人住宅樓宇新訂租約平均租金為每月每平方米港幣253元至470元 Extra budgets should be allowed for if living in private rental flat. Referring to the Hong Kong Monthly Digest of Statistics (November 2017) published by the Census and Statistics Department of Hong Kong Special Administrative Region, as at September 2017, the average rents of fresh lettings of private domestic premises is HKD per square metre per month. 22.8% 房屋 5,455 5, % 外傭 Domestic helper 5,330 5, % 交通 4,455 4, % 食物 3,950 7, % 消閒娛樂 Leisure and entertainment 1,300 2, % 水電煤 Water, electricity and gas 815 1, % 健康與美容 Fitness, beauty and hairdressing 765 1, % 服飾 Clothing % 家居用品及服務 505 Household goods 550 and services 1.8% 通訊 Communications % 醫療 Health care

4 豐盛生活 Affluent lifestyle 豐盛生活方式下單身人士或二人的退休預算開支 Budget for affluent lifestyle for retired singles or couples 假設 Assumption: 居於私人物業按揭已還清 Living in a private flat with no mortgage 單身人士Single (港幣HKD) 二人Couple (港幣HKD) 房屋外傭 Domestic helper 每月預算 Monthly budget 單身人士Single: 二人Couple: 港幣HKD37,095元港幣HKD48,800元食物上圖及百分率以單身人士退休後的預算開支計算 Above chart and percentage are based on the budget for retired singles. 如租住私人物業需額外預留每月開支參考香港特別行政區政府統計處出版的香港統計月刊 2017年 11月截至2017年9月的數據最新私人住宅樓宇新訂租約平均租金為每月每平方米港幣253元至470元 Extra budgets should be allowed for if living in private rental flat. Referring to the Hong Kong Monthly Digest of Statistics (November 2017) published by the Census and Statistics Department of Hong Kong Special Administrative Region, as at September 2017, the average rents of fresh lettings of private domestic premises is HKD per square metre per month. 21.9% 房屋 8,140 8, % 食物 7,725 14, % 外傭 Domestic helper 6,055 6, % 交通 5,715 6, % 消閒娛樂 Leisure and entertainment 4,120 5, % 健康與美容 Fitness, beauty and hairdressing 1,185 2, % 水電煤 Water, electricity and gas 1,130 1, % 服飾 Clothing 1,075 1, % 醫療 Health care 720 1, % 家居用品及服務 685 Household goods 780 and services 1.5% 通訊 Communications

3 Plan for your desired retirement lifestyle.

different spending habits and needs, and may

Domestic helper Household goods and services

5 3 Plan for your desired retirement lifestyle. These budgets and assumptions reflect typical spending patterns. Specific individuals and couples will have different spending habits and needs, and may trade off spending in one area against another. Below you can plan your budget for your desired retirement lifestyle. HKD Budget Water, electricity and gas Domestic helper Household goods and services Clothing Health care Communications Leisure and entertainment Fitness, beauty and hairdressing Other expenditure Total Single Couple

6 4 How were the budgets and required totals put together? The HSBC Retirement Monitor was commissioned by HSBC with The Association of Superannuation Funds of Australia (ASFA) conducting the research and analysis. The budgets were put together through extensive research on the price of specific goods and services in Hong Kong and on the spending patterns of Hong Kong retirees, together with the statistics from the Government of the Hong Kong Special Administrative Region on household expenditure for various income and age groups. The figures take into account recent price changes, as reflected in the Consumer Price Index published by the Census and Statistics Department. The figures in the report are based on data as at September The HSBC Retirement Monitor will be updated quarterly to reflect changes in the price of the various goods and services and the subsequent changes in spending required by retirees. While the budgets reflect typical costs and quantities purchased, specific individuals or couples will have different spending patterns. However, the overall figures and their breakdown will be a reference and may potentially assist you to formulate your own budget, because individual can and do trade off spending in one area against another, and some retirees may have additional expenses, such as dependants. The lifestyles chosen are not indications of relative wealth, but of spending patterns and habits. However, as a general guide, basic may be relevant to those in the lowest 25% of income distribution in retirement, while affluent may relate to the top 5%. These budgets relate to ordinary expenditure; allowances should be made for any unforeseeable spending.

5 Are you saving enough for your preferred retirement lifestyle? Early planning paves the way to your desired retirement. Retirement planning involves more than crunching numbers.

7 5 Are you saving enough for your preferred retirement lifestyle? Early planning paves the way to your desired retirement. Retirement planning involves more than crunching numbers. It is equally important to analyse in detail the retirement lifestyle you want. Let s look at the numbers together to get a clear picture about what you need for your desired retirement. Want to know how much you need to save for the retirement lifestyle you want and whether you are on track to achieve it? Contact us now, and together we can assess your retirement goals and create a plan to meet them.

8 This report does not constitute an invitation, inducement or advice to you on any products or services. Please seek professional advice where necessary. Issued by The Hongkong and Shanghai Banking Corporation Limited L-MPF035 v09/1217 (1217)

前言一場交換學生的夢, 夢想不只是敢夢, 而是也要敢去實踐為期一年的交換學生生涯, 說長不長, 說短不短再長的路, 一步步也能走完 ; 再短的路, 不踏出起步就無法到達這次

前言一場交換學生的夢, 夢想不只是敢夢, 而是也要敢去實踐為期一年的交換學生生涯, 說長不長, 說短不短再長的路, 一步步也能走完 ; 再短的路, 不踏出起步就無法到達這次壹教育部獎助國內大學校院選送優秀學生出國研修之留學生成果報告書奧地利約翰克卜勒大學 (JKU) 留學心得原就讀學校 / 科系 / 年級 : 長榮大學 / 財務金融學系 / 四年級獲獎生姓名 : 賴欣怡研修國家 : 奧地利研修學校 : 約翰克普