摩根资管调查指港人退休期望存代沟 倡趁早开始退休储蓄
摩根资产管理於2019年10月进行香港退休准备调查，发现不同年龄层的港人对退休的期望存在明显的代沟。
是次调查访问500名零售投资者，年龄介乎30至60岁，拥有至少五年持续投资经验，流动资产超过20万元。平均而言，尽管年轻一代港人平均寿命或高於其长辈，然而年轻一代期望较早退休，亦预期维持生活方式所需的储蓄较低。相比之下，较年长一代预期不仅需要较迟退休，亦需要更多储蓄以应付预期时间较短的退休生活。
调查中，30至40岁的港人估计平均在61岁退休，而51至60岁的受访者则认为自己的平均退休年龄是64岁。至於港人认为需要多少积蓄方能负担退休生活，年轻人认为只需360万元，而较年长一代则估计需要至少430万元。同时，现时65岁港人的寿命预期，男性约为85岁，女性则约为90岁；对於年轻港人，若人均寿命增加的趋势继续，则其寿命预期将会更长。
综合以上所述，相比较年长一代，年轻人期望只需较少储蓄，便能应付较早开始而且很可能年期较长的退休生活。尤有甚者，30至40岁受访者表示现金及保险占其退休投资组合的36%，反映他们的投资未必足以增长财富。有趣的是，51至60岁受访者的投资实际上更为进取，将30%的储蓄投入股票。
摩根资产管理亚太退休策略师Wina Appleton表示，调查结果显示年轻人对退休生活的期望未必符合现实，令人忧虑他们是否对退休有足够准备。为了财务健全，年轻人应制定投资计划，把握时间累积财富。然而，当不少人开始对开支和储蓄需要有较为现实的认知时，往往已经失去时间优势来获取复合回报。
概括对全港人口(包括所有年龄层)的调查结果，一般人估计需要储蓄390万元，方能应付退休生活。审慎的退休计划应考虑三十年或更长年期的生活开支—因此考虑通胀影响，390万元只相当於每月1.4万元的开支预算；若全面停止将储蓄用作投资，这个数字更会下跌至每月只有7,000元，这凸显退休人士有必要继续投资来创造回报，而非单纯依赖现金存款的低利息。
根据香港政府的统计数据，一对普通退休夫妇通常每月花费2万元：这是截至2014/15年的数据，如今这个数字势必更高。若要维持这种生活，一对夫妇退休时至少需要560万元储备金。以上数据对比反映一般港人可能低估本身的开支需要。
Appleton补充，整体上，该行建议投资者及早开始为退休储蓄，并且分散部署及保持投资，以实现其退休目标。
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