ym80
2021-11-02
Retirement?
Some 8 in 10 Singaporeans still underestimate retirement amount by 31%: OCBC
免责声明:上述内容仅代表发帖人个人观点,不构成本平台的任何投资建议。
分享至
微信
复制链接
精彩评论
我们需要你的真知灼见来填补这片空白
打开APP,发表看法
APP内打开
发表看法
1
{"i18n":{"language":"zh_CN"},"detailType":1,"isChannel":false,"data":{"magic":2,"id":843277101,"tweetId":"843277101","gmtCreate":1635838224559,"gmtModify":1635838224771,"author":{"id":3582010679449465,"authorId":3582010679449465,"authorIdStr":"3582010679449465","name":"ym80","avatar":"https://static.tigerbbs.com/f75a7eda8cb8b79563386243750d3227","vip":1,"userType":1,"introduction":"","boolIsFan":false,"boolIsHead":false,"crmLevel":2,"crmLevelSwitch":0,"individualDisplayBadges":[],"fanSize":11,"starInvestorFlag":false},"themes":[],"images":[],"coverImages":[],"extraTitle":"","html":"<html><head></head><body><p>Retirement?</p></body></html>","htmlText":"<html><head></head><body><p>Retirement?</p></body></html>","text":"Retirement?","highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"favoriteSize":0,"link":"https://laohu8.com/post/843277101","repostId":1183231217,"repostType":4,"repost":{"id":"1183231217","pubTimestamp":1635834985,"share":"https://www.laohu8.com/m/news/1183231217?lang=&edition=full","pubTime":"2021-11-02 14:36","market":"sg","language":"en","title":"Some 8 in 10 Singaporeans still underestimate retirement amount by 31%: OCBC","url":"https://stock-news.laohu8.com/highlight/detail?id=1183231217","media":"businesstimes","summary":"SINGAPOREANS are getting a better handle of day-to-day financial management, with more tools availab","content":"<div>\n<p>SINGAPOREANS are getting a better handle of day-to-day financial management, with more tools available for them to do so.\nClose to half of Singaporeans have used some form of digital financial tools ...</p>\n\n<a href=\"https://www.businesstimes.com.sg/banking-finance/some-8-in-10-singaporeans-still-underestimate-retirement-amount-by-31-ocbc\">Web Link</a>\n\n</div>\n","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Some 8 in 10 Singaporeans still underestimate retirement amount by 31%: OCBC</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nSome 8 in 10 Singaporeans still underestimate retirement amount by 31%: OCBC\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-11-02 14:36 GMT+8 <a href=https://www.businesstimes.com.sg/banking-finance/some-8-in-10-singaporeans-still-underestimate-retirement-amount-by-31-ocbc><strong>businesstimes</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>SINGAPOREANS are getting a better handle of day-to-day financial management, with more tools available for them to do so.\nClose to half of Singaporeans have used some form of digital financial tools ...</p>\n\n<a href=\"https://www.businesstimes.com.sg/banking-finance/some-8-in-10-singaporeans-still-underestimate-retirement-amount-by-31-ocbc\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"STI.SI":"富时新加坡海峡指数"},"source_url":"https://www.businesstimes.com.sg/banking-finance/some-8-in-10-singaporeans-still-underestimate-retirement-amount-by-31-ocbc","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1183231217","content_text":"SINGAPOREANS are getting a better handle of day-to-day financial management, with more tools available for them to do so.\nClose to half of Singaporeans have used some form of digital financial tools to monitor and track their budgets, expenses or investment portfolios; or to plan and track their financial goals like retirement or buying a home, OCBC's annual Financial Wellness Index showed on Tuesday (Nov 2).\nThat said, most are still unable to project their longer-term needs for retirement, leading to 8 in 10 underestimating the amount needed for their twilight years by 31 per cent.\nThis comes even as 40 per cent of Singaporeans have picked a more prudent retirement lifestyle requiring an estimated S$2,300 monthly, compared to 36 per cent last year.\nAbout 66 per cent of Singaporeans have made retirement plans this year, up from 63 per cent in 2020, with the biggest growth among those in their 20s and 30s. But less than half of those with plans are on track to meet their goals.\n\"This calls for a greater need to seek professional advice when it comes to retirement planning. Advisers will be able to provide you with the appropriate information, such as the effects of inflation on goods and services, to help you plan better,\" said Tan Siew Lee, OCBC Singapore head of wealth management.\nOverall, the realities of the pandemic have nudged more Singaporeans to build up their financial health.\nDespite the lingering economic impact of Covid-19, 53 per cent of Singaporeans are confident they can accumulate sufficient funds to overcome a crisis this year, compared to 51 per cent in 2020.\nAbout 54 per cent believe they can sustain themselves financially for 6 months if they lost their jobs, up from 52 per cent.\nMore consumers are also better able to manage their debts, with fewer having unsecured debt compared to last year and more able to pay off their housing loans, according to the survey.\nThis year, Singaporeans received a score of 62 out of 100 in OCBC's survey, an improvement from 61 last year when the world first started to grapple with the pandemic.\nThe scoring is based on 24 indicators, including factors such as saving regularly, managing unsecured debt well, being able to defray major medical expenses, and investing.\nNotably, the group that uses digital banking and money management tools received a much higher score (65) than those who do not use any (59).\nFor example, about 94 per cent are able to save regularly with the help of digital tools, compared to 87 per cent among those who do not use any.\nSome 58 per cent of investors are also able to achieve their targets by using digital tools, compared to 49 per cent among those who do not.\nSingaporeans who are digitally savvy are also more invested across all product types, including foreign stocks, real estate investment trusts, exchange-traded funds, cryptocurrencies, bonds and structured deposits.\nYounger millennials, in particular, are investing a lot more than before and in a wider range of investments. They also have a higher propensity to speculate excessively compared to other age groups.\nAbout 86 per cent of millennials in their 20s have invested this year, up from 64 per cent in 2020, representing the biggest change from last year compared to other age groups.\nMore than a third of millennials invest in foreign stocks and 22 per cent invest in cryptocurrencies, higher than the average Singaporean's investment of 29 per cent and 16 per cent, respectively.\nDespite keener interest in investing and a larger appetite for riskier assets, millennials in their 20s are not seeking professional financial advice enough. Most turn to online articles (61 per cent), family and friends (52 per cent), and YouTube (54 per cent) for advice.\nThe survey found that investors with the poorest-performing investments are millennials in their 20s who use digital tools but do not seek any professional advice - less than half are on track with their investments.\nIn comparison, 53 per cent of those who do not use any digital investment tools but seek professional financial advice are on track with their investments. Those who seek professional financial advice on top of digital investment tools fare even better, with 64 per cent on track.\n\"Digital tools are a simple and efficient way to start investing. However, you will need professional advice to review your portfolio and to advise you on what to sell, what to buy more of, and what to continue holding. This is especially important for Singaporeans who do not know how and what to invest in,\" said Tan.\nThe third annual OCBC Financial Wellness Index surveyed 2,051 working adults across ages 21 to 65 this year.","news_type":1},"isVote":1,"tweetType":1,"viewCount":413,"commentLimit":10,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"symbols":[],"verified":2,"subType":0,"readableState":1,"langContent":"CN","currentLanguage":"CN","warmUpFlag":false,"orderFlag":false,"shareable":true,"causeOfNotShareable":"","featuresForAnalytics":[],"commentAndTweetFlag":false,"upFlag":false,"length":11,"xxTargetLangEnum":"ZH_CN"},"commentList":[],"isCommentEnd":true,"isTiger":false,"isWeiXinMini":false,"url":"/m/post/843277101"}
精彩评论