中国千禧一代将面临养老金短缺

青岛必赢翻译公司（www.sinosenior.com）2018年8月19日了解到：More than half of Chinese millennials are facing a pension shortfall by neglecting to save for their retirement, new research has found, raising concerns over the country’s ageing population and mounting debt pile.

Only 44 per cent of millennials — people aged 18-34 in this instance — have begun putting money towards their pension savings, according to a study by fund manager Fidelity International in conjunction with Ant Fortune, the wealth management arm of Alibaba’s Ant Financial.

The study of nearly 30,000 people, 75 per cent of which were millennials, found that the expected average retirement age was 58, reflecting a gap between the low level of savings and the targeted retirement date.

The research underscores the lack of retirement planning among young people in China, who are increasingly turning to consumer credit to fund their lifestyles.

“It is concerning?.?.?.?not having the awareness [of retirement planning] is an issue,” said Jackson Lee, country head of China at Fidelity International. “Not having the means to save up is another issue.”

The study found millennials believed they would need a retirement fund of Rmb1.634 million ($237,300) to “enjoy a carefree retirement”.

But even with millennials saving a fifth of their income in cash each month — Rmb1,339 — it would still take them about 59 years to reach the target figure, the research said. Some 40 per cent of millennials plan to start saving when they turn 40, while 38 per cent said they had never thought about saving for retirement.

The combination of insufficient retirement planning, growing consumer debt and an ageing population could put significant pressure on the pension system.