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進入《TAIPEI TIMES》Taiwanese not saving enough for retirement: report
A search for wealth management services after retirement is displayed on a notebook computer screen in Taipei on Sept. 23 last year. Photo: Chang Hui-wen, Taipei Times
By Crystal Hsu / Staff reporter
Taiwanese have, on average, set aside significant amounts of savings for when they retire, but lag far behind their target for a decent retirement, a report by the Chung-Hua Institution for Economic Research （CIER, 中華經濟研究院） said yesterday.
Retired Taiwanese have accumulated an average of NT$6.9 million （US$225,623） in retirement savings, not including real estate, falling short of an average target of NT$9.64 million by 28.42 percent, the study sponsored by Fubon Asset Management Co （富邦投信） found.
People who have not yet retired have set aside NT$2.5 million on average and believe the ideal sum to be NT$12.12 million, or nearly 80 percent off their target, it said.
The findings indicate Taiwanese are ill-prepared for retirement in financial terms, the report said.
The report covers people aged 25 or older and takes a look at their financial standing, preparations for retirement and wealth management.
Although Taiwanese are assigning more importance to preparing for retirement, more than 50 percent rely on pension funds as their main source of income upon retiring, the report said.
Most people interviewed said that they do not have extra money to invest, although an increasing number agree they should tap other income sources.
Among all age groups, personal savings accounted for 74.4 percent of their retirement money, followed by investment income at 61.7 percent and government pension funds at 53.5 percent, the report said.
The study found that of the tools people used for investing, stocks constituted 65.8 percent, followed by exchange-traded funds at 35.9 percent and savings-like insurance policies at 32.8 percent.
新聞來源：TAIPEI TIMES
