 鲜花( 36)  鸡蛋( 0)
|
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。
) a6 i6 B9 R8 g3 j2 S4 V9 E h8 d* m2 V9 Z7 B1 H' c
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。 : p" R d; Y! k2 v; G
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。 6 u. X4 I" j2 G& l( E6 H8 d6 V
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。 " i* m/ i6 W* x. o; }& u
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。5 M2 O# z* k" o% A" s
Majority of Canadian employees living paycheque to paycheque, not saving enough for retirement. Younger workers and single parents having most trouble making ends meet.) c9 f7 x/ n. k' Q1 y
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. ! W& v3 w) b; h+ r. r, I1 h
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. * E+ P9 Y) C/ \" H( J- }1 `
"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. 0 B* w2 g; k' n* p: I
Financial experts recommend that people keep emergency funds totaling approximately three months of expenses (rent, mortgage, bills, groceries, etc.).
" L! j" W$ A3 E. l" X! Q+ [- ~( HBy 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. y/ R4 f" J: M/ n
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 m4 y( t& ]( Q1 e ]. s"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. ! Y1 o3 Z7 x. G# Q* E
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.
2 N* b- A- {, R3 p; `3 s+ D. zThose 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.
! a" E6 Q( q. z& p) i' \4 L* \A majority of Canadians (70%) say their first priority if they were to win $1 million in the lottery would be to pay off their debt, followed by contributing as much as possible toward retirement (35%) and investing (30%) as the next priorities. 7 O0 g3 \7 _/ _. F* m
Of all regions, Quebecers would be more likely to use some of their lottery winnings to have a party (7%) than people living elsewhere in Canada (3%). Maritimers would be more likely to share their lottery winnings with family members (37%) than would the rest of the country (26%).
* |0 k$ v9 v6 i$ |: ^7 y/ i7 |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%). |
|