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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。 + b+ c* U5 j* {8 e" G$ i5 @: H w
* e- I9 Z+ ^# k2 S6 n0 k0 W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。
, r/ o6 V* [3 p, @7 l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。
& B/ `' F* v3 Y; y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。
1 E. @2 S& p3 M& h$ L, ]. Q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。: {/ h: I+ j- h; x6 F3 X" z! l2 [/ L- C
Majority of Canadian employees living paycheque to paycheque, not saving enough for retirement. Younger workers and single parents having most trouble making ends meet.
& ? ]1 h8 ~# W6 Y8 ~2 J2 TTORONTO, 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. ) R3 h8 L8 u* E2 B: [
According 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.
( x: y: |! N4 m+ }$ u9 x6 N"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. + T3 d; I' ]9 X/ W3 Z4 Y+ X
Financial experts recommend that people keep emergency funds totaling approximately three months of expenses (rent, mortgage, bills, groceries, etc.).
( A2 g6 W7 P+ Z2 k/ A' L/ 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.
0 `$ V) W; ]0 G- E$ m' ~5 E" eThe 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%. % l& ?# w% A& {# Q3 b2 T6 e2 p
"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. $ N7 R. t! q0 x7 |( r* O! T5 C
About 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.
. P8 d5 m3 R2 n ^, C3 i8 xThose 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. 7 m; v/ }& g& s& D2 j1 n
A 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.
$ w( C {' Z9 T) c: Q6 GOf 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%).
: T3 M9 t" U! v7 \# gCash 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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