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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。
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" u5 _5 K9 o: f3 D! [' p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。 $ j- h' z7 E) I$ h
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。
$ W& Q. M; O* ` q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。
. T5 ^% j' 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。, x$ P7 k8 {: p# w5 `
Majority of Canadian employees living paycheque to paycheque, not saving enough for retirement. Younger workers and single parents having most trouble making ends meet.
" q1 I) T. Y# g5 C! ATORONTO, 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. : a5 ^) y h3 j" N6 y& d
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.
* Z/ f' w# a& h5 [8 f"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. 3 f/ f5 w: V- n7 Z6 c8 d
Financial experts recommend that people keep emergency funds totaling approximately three months of expenses (rent, mortgage, bills, groceries, etc.). : f8 V$ d' s, ^- B
By 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 k& j3 O8 t' T/ d; p* U
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%. ' R; }/ E# y5 T6 T9 l. _
"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. $ `! }3 H W; `/ n [3 V5 Y
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.
, [3 B( b4 C3 c5 l7 U; ]5 u; ^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. % j n* _. N: k4 G& y
A majority of Canadians (70%) say their first priority if they were to win $1 million in the lottery would be to pay off their debt, followed by contributing as much as possible toward retirement (35%) and investing (30%) as the next priorities. . g% W; [$ @; ?8 M' V
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%).
* q' R9 C1 d! tCash 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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