宏利亚洲关怀调查：中国内地消费者养老财务准备仍存缺口

Core Insights - The latest Manulife Asia Care Survey indicates a significant shift in consumer attitudes in China towards prioritizing quality of life over longevity as life expectancy increases [1][2] - The survey, which included 9,034 respondents across nine major Asian markets, revealed that only 7% of respondents prioritize extending life, while over 52% focus on achieving physical, mental, social, and financial health for a fulfilling life [1] Group 1: Health Awareness - 88% of respondents in mainland China feel adequately prepared to maintain their health post-retirement, significantly higher than the 62% Asian average [1] - Among the 35 to 54 age group, over 90% express confidence in their health preparedness [1] - However, there is a notable gap between confidence and action, with only 38% undergoing regular health check-ups and just 37% achieving recommended sleep durations [2] Group 2: Financial Health - Approximately 70% of respondents recognize the impact of financial health on personal well-being and longevity [2] - Despite only about 25% expressing concern over insufficient retirement funds, this is still lower than the 43% Asian average, indicating potential under-preparation for retirement [2][3] - Many consumers exhibit conservative asset allocation, with nearly 40% concentrating their assets in cash or fixed deposits, highlighting a lack of diversification [3] Group 3: Consumer Behavior and Trends - The survey results suggest a growing awareness among Chinese consumers regarding the need for comprehensive health and financial planning as they age [3] - Manulife's CEO emphasizes the importance of maintaining independence and enjoying a fulfilling life as core aspirations for consumers in their later years [3] - The findings indicate a need for behavioral adjustments and long-term planning that balances health and financial needs to achieve a secure and independent retirement [3]