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“FIRST POT OF GOLD” BEYOND REACH?

Owning an apartment, retiring early and travelling around the world are ranked as the top three life objectives of Hong Kong people¹. These goals of course require careful wealth planning and solid financial resources to achieve. People generally consider the “first pot of gold” to be HK$2.4 million¹, though only 50% save monthly². Almost 30% respondents believe they can depend only on luck¹ and actually doubt if they can reach their financial goals.

THE AGE OF WEALTH “DEFLATION”

Despite high inflation and low interest rates, almost 50% of people still put half of their cash into their current account², which does not preserve their capital. Even for those who have purchased financial products such as savings insurance plans, nearly 70% of them have no idea what the actual returns of their investment portfolio are², and thus miss an opportunity to grow their wealth.

LIFE IS FULL OF EXPECTATIONS

There are different things to look forward to as you enter different stages of life.

A wise allocation of assets helps you to gather ample capital for the future, so that you can seize every opportunity to realise your dreams.

top 3 expectations and objectives of hong kong people in Saving^1,3

TRAVEL AROUND THE WORLD

FULLY OWN An apartment

RETIRE EARLY

Though 64% of people claim that they have prepared a financial plan to realise their dream…

Despite having a financial plan, 67% of them don’t know how long they need to save up before reaching their goal³!

Hong Kong people’s "First Pot of Gold" has risen in value from HK$2 million to HK$2.4 million

The respondents’ “First Pot of Gold” was on average HK$2.4 million, representing an increase of 20% from the HK$2 million as revealed in AIA’s Survey of Wealth Management Attitudes 2014;

30% of respondents who had their “First Pot of Gold” attributed their wealth to property investment, followed by regular savings (23%). However, there were 29% of people who had not yet earned their “First Pot of Gold” believed they could become wealthy only if they were lucky enough to win the “Mark Six” lottery.

One out of every two parents wishes to leave a financial legacy for his/her children - the average amount of this legacy is HK$2.3 million

Some surveyed parents shared that they did not save solely to support their own retirement. Almost half (47%) of parents aspire to leave their children a financial legacy, and the average amount is HK$ 2.3 million;

26% of parents listed “helping their children buy an apartment” among their saving goals.

People who have financial planning enjoyed nearly three times the investment return in the past year than those who did not

66% of respondents said they had financial planning to realise their saving goals. However, over half (55%) of these respondents were not sure or even had no idea about how much to save;

Deposits (87%) were the most popular savings/investment vehicle among respondents for the past 12 months, followed by stocks (62%) and insurance with savings/dividends (48%).

When asked about their returns over the past year, respondents who had financial planning (10.8%) enjoyed about three times the return on investment over the past year than those who did not (3.8%).

SEEKING A FASTER WAY TO WEALTH?

The habit of saving regularly and smart money management are the keys to building wealth. Whether you prefer to take a chance for higher returns or grow money at a steady pace, you will find that our comprehensive range of protection and wealth management solutions
can help you ease your way to a prosperous future.

TIPS & ADVICE

Focus on the target

Set short-term and long-term financial goals, and adjust your strategy by regularly reviewing your progress

Plan ahead

The earlier you start, the easier it is to achieve your goal

Use financial tools

Select the best wealth management tools based on your attitude to risk and financial needs, and enjoy the long-term returns of capital growth

Seek professional advice

Ask for a financial planner’s help to find a suitable solution

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Savings · Retirement Income

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The above information is for general reference only. It shall not constitute nor should it be taken as a substitute for professional advice from a financial planner on purchasing insurance policies. Your financial planner will make recommendations based on the result of your individual needs analysis (including affordability and suitability, etc.). For detailed analysis and advice, please contact us or your financial planner.

Sources

¹AIA’s Wealth Management Survey 2015 by GfK Hong Kong, an independent market research company (data collected in July 2015).
²AIA’s Survey of Wealth Management Attitudes 2014 by GfK Hong Kong, an independent market research company (data collected in October 2014).
³AIA’s Survey of Hong Kong People’s Spending and Wealth Management Attitudes by GfK Hong Kong, an independent market research company (data collected in May 2015).

The above information gathered from external sources is made on a general basis and is for reference only. Please refer to the related data and information collection statement for details.

Data and Information Collection Statement

This webpage was designed and produced by AIA by searching internal and external data and information for information provision and reference purposes only. The content should not be considered to be the invitation, advice or latest information of any mentioned insurance products. When preparing and/or updating this webpage, AIA endeavours to ensure that the content is accurate, complete and updated but will not bear any responsibilities nor make any warranty or guarantee for the accuracy, completeness and timeliness of the information or for any claims and/or losses caused thereby. Any views or information mentioned and set out in this webpage are based on general situations. Readers should not regard them as advice. AIA reserves the right to change and modify the views and information set out in this webpage at any time without issuing prior notice. Before making any decisions about the theme of this webpage, you are recommended to seek independent advice from suitable professionals (such as doctors, nutritionists, financial advisers or lawyers, etc.). It is clearly stated that AIA will not bear any responsibilities for others’ usage or interpretation of the information listed in this webpage.

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top 3 expectations and objectives of hong kong people in Saving^1,3