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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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1 [ x2 |9 @3 p8 |3 |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。 : l7 |- l; S# Z- `" g/ q
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。
3 R7 ~0 u+ n# G: i" L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 ?+ n8 R. M) N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。
7 a1 m' b: l) Z0 i. E0 Z _, DMajority of Canadian employees living paycheque to paycheque, not saving enough for retirement. Younger workers and single parents having most trouble making ends meet.& i- p+ R& m; ? I8 F+ H) s2 p
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. - P% N/ N4 E: Y k3 a
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. 1 I, e [* \! j" Z$ 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.
1 U/ r# a9 y; B! Q4 K9 PFinancial experts recommend that people keep emergency funds totaling approximately three months of expenses (rent, mortgage, bills, groceries, etc.). , p& Z# v, c+ p6 I6 x# A, y
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. ' ^5 A$ O4 D: C7 k, x2 D
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%. 2 D4 P. y. X4 r, l+ U7 _( j
"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.
2 {( l" n/ M* W1 ]/ M" B7 E. N* jAbout 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.
* d% s2 P6 j. _7 ?& f3 lThose 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.
( W1 E" u9 B# V. _! n2 {+ l( Y" u pA majority of Canadians (70%) say their first priority if they were to win $1 million in the lottery would be to pay off their debt, followed by contributing as much as possible toward retirement (35%) and investing (30%) as the next priorities. - X5 |8 v6 q7 w$ `+ J7 s9 C+ 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%). / y8 }) s* T; F/ p& q1 q
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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