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最新调查显示，如果工资支票迟到一周，将有近60%加拿大人无法支付账单。 + P7 ^+ o0 X- ^, o% Z! G6 E. l1 ?& _
3 }$ P% Y* g9 P3 @+ e9 I6 e; a# {, K加拿大工资管理协会(Canadian Payroll Association)调查发现，大多数加拿大人不仅手头拮据，而且基本无力为退休储蓄。若工资迟发，约59%加拿大人无法支付账单。 1 W. o3 P, d: H7 f
年轻上班族们尤其捉襟见肘。如果工资迟发，18至34岁的年轻人中有4 5%难以或很难维持生活。72%单身父母们表示工资迟发会导致他们无法支付账单。尽管理财规划师建议人们预留三个月的房租、食品和水电等应急费用，但显然加拿大人们没有遵照这一点。 , g- d+ z% ? V6 i3 ~7 F) Y) n9 z
调查还发现50%加拿大上班族们无法拿出5%的净收入做退休储蓄。工资管理协会的主席兼CEO库哈尼(Patrick Culhane)说，由于近期股市的动荡，为退休储蓄就更难了。 2 W! |4 |4 s, g
约52%加拿大人认为若想退休生活舒适安逸，需要75万到300万元的资金。然而，约1/3表示努力比去年拿出更多钱来储蓄，但无法做到。另有42%表示无法拿出更多钱来储蓄。
* F6 |7 \# v% e2 AMajority of Canadian employees living paycheque to paycheque, not saving enough for retirement. Younger workers and single parents having most trouble making ends meet.. i% B7 A# ^* b- j* [6 N" T
TORONTO, Sept. 14 /CNW/ - Results from a new nationwide survey show that a majority of working Canadians are cash-strapped and have little ability to put money away for their retirement.
% U7 {" G+ m- g2 S" V) zAccording to the 2009 National Payroll Week Employee Survey, conducted by the Canadian Payroll Association (CPA) and released today, 59% of Canadian employees report they would have trouble making ends meet if their paycheque was delayed by even one week. / _: O6 r* X, O0 r
"We were shocked by that number. So many Canadians are now living so close to the line that if they miss a single paycheque, the majority will find themselves in financial difficulty," says Janice MacLellan, Chairman of the CPA.
9 y& L3 f0 y) hFinancial experts recommend that people keep emergency funds totaling approximately three months of expenses (rent, mortgage, bills, groceries, etc.).
9 \8 b1 L/ ^: U ^' IBy age group, the younger workforce is feeling the greatest pinch, with 45% of those aged 18-34 saying it would be difficult or very difficult for them to meet their current financial obligations if a paycheque were delayed, and a further 21% stating that it would be somewhat difficult. By household, the situation is most precarious for single parents, with 72% saying they would have some trouble making ends meet if their pay were delayed. ! k. @7 ?1 P8 }7 b3 R0 O$ q6 ]+ m
The survey also found that 50% of Canadian workers are unable to save more than 5% of their net pay for retirement. Financial experts generally recommend a retirement savings rate of about 10%.
6 [5 C9 I2 _) T: G8 Q6 Z"Canadians are living paycheque to paycheque, and there's precious little left that they can put away for retirement," notes Patrick Culhane, CPA's President and CEO.
8 ]0 J7 L. x5 j5 \, o, G9 BAbout one-third of Canadian workers say they have been trying to save more money than a year ago because of the economic uncertainty but have been unable to do so. Another 42% say they aren't even attempting to save additional funds. Yet, the majority (52%) feels they'll need between $750,000 and $3 million to live comfortably in retirement. $ L' q/ p4 H% r6 p7 l
Those finding it most difficult to put money aside are single parents, with 65% saying they're saving only 5% or less of their net pay.
. @; O ~, y' w. iA majority of Canadians (70%) say their first priority if they were to win $1 million in the lottery would be to pay off their debt, followed by contributing as much as possible toward retirement (35%) and investing (30%) as the next priorities. 9 z1 b+ a5 V# k8 d( H& y
Of all regions, Quebecers would be more likely to use some of their lottery winnings to have a party (7%) than people living elsewhere in Canada (3%). Maritimers would be more likely to share their lottery winnings with family members (37%) than would the rest of the country (26%). $ x8 r K+ H* {4 [7 l7 U
Cash is king for Canadians when it comes to remuneration. A whopping 65% of those who responded said it's more important that they receive higher wages from their employer, compared to better health benefits (25%), and education funding (10%). |
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发表于 2009-9-14 12:51
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