調(diào)查顯示 國(guó)人需儲(chǔ)蓄182萬(wàn)元養(yǎng)老

People need at least 1.82 million yuan of savings forretirement, a new survey shows.

一項(xiàng)新調(diào)查顯示，國(guó)人為養(yǎng)老至少需要儲(chǔ)存182萬(wàn)元。

However, more than half of young Chinese have not yet started saving. Many choose to depend on their national pension, but know little about the government-run pension system, according to the China Pension Outlook Report, released by Ant Financial and Fidelity International.

根據(jù)螞蟻金服和富達(dá)國(guó)際近日發(fā)布的《中國(guó)養(yǎng)老前景調(diào)查報(bào)告》顯示，然而超過(guò)半數(shù)的年輕人尚未開(kāi)始儲(chǔ)蓄，許多人選擇依靠國(guó)家養(yǎng)老金，但卻對(duì)政府的養(yǎng)老金體系知之甚少。

The findings are based on a survey of 28,440 respondents on the Ant Fortune platform, with 95% of respondents coming from China's first- to fourth-tier cities, and 75% being young people aged between 18 and 35.

該調(diào)查結(jié)果是基于對(duì)螞蟻財(cái)富平臺(tái)上28440名受訪(fǎng)者進(jìn)行的調(diào)查得出的，其中95%的調(diào)查對(duì)象來(lái)自國(guó)內(nèi)一線(xiàn)至四線(xiàn)城市，75%的受訪(fǎng)者為18-35歲的年輕人。

The survey found the average retirement age is 58, and 54% of respondents said they had not started saving for retirement.

這項(xiàng)調(diào)查發(fā)現(xiàn)，當(dāng)下平均退休年齡為58歲，54%的受訪(fǎng)者沒(méi)有開(kāi)始為退休而儲(chǔ)蓄。

Taking investments out of consideration, respondents think they need at least 1.82 million yuan in cash savings to retire. For young people aged below 35, the figure is set at 1.63 million yuan.

不考慮投資因素的話(huà)，受訪(fǎng)者普遍認(rèn)為他們需要至少182萬(wàn)元現(xiàn)金積蓄才能退休。至于對(duì)年齡低于35歲的年輕人來(lái)說(shuō)，這個(gè)數(shù)字被定為163萬(wàn)元。

Among young people who have not started saving, 40% planned to start at the age of 40. They also hoped to retire at 57 -- meaning they would only have 17 years to achieve their saving goals.

在尚未開(kāi)始儲(chǔ)蓄的年輕人中，有40%的人計(jì)劃從40歲開(kāi)始儲(chǔ)蓄。他們希望退休的年齡為57歲，這意味著他們只有17年的時(shí)間實(shí)現(xiàn)其儲(chǔ)蓄目標(biāo)。

From China's first-tier to fourth-tier cities, the proportion of those who have not prepared for their retirement savings remained generally stable, at 53% to 55%.

從中國(guó)的一線(xiàn)城市到四線(xiàn)城市，沒(méi)有為退休之后的生活做好儲(chǔ)蓄準(zhǔn)備的人的比例保持普遍穩(wěn)定，在53%到55%之間。