新加坡人不再热衷存钱

Group 1 - The financial landscape in Singapore is changing, with rising living costs and a shift in priorities leading to decreased savings among residents [1][3][6] - Singapore's cost of living remains among the highest globally, with a cost of living index of 85.3, ranking fifth worldwide and first in the Asia-Pacific region, reflecting an 11% year-on-year increase [3][4] - The median real employment income in Singapore has seen an average annual decline of 0.4% from 2019 to 2024, reversing the previous trend of 2.2% annual growth from 2014 to 2019 [3][4] Group 2 - Housing costs are a significant factor in financial pressure, with public housing resale prices projected to rise by 9.6% in 2024, up from 4.9% in 2023 [4] - The unique "Certificate of Entitlement" (COE) system in Singapore contributes to high vehicle prices, with COE costs sometimes exceeding 100,000 SGD [6] - The trend towards a "debt-driven society" is emerging, with a cultural shift towards consumption and instant gratification, making savings less of a priority [6][7] Group 3 - The popularity of "buy now, pay later" schemes is increasing, with transaction volumes in Singapore reaching approximately 440 million SGD in 2021, a nearly fourfold increase from 2020 [6] - The younger generation in Singapore is less inclined to save compared to previous generations, influenced by marketing and social comparisons [7][8] - Mandatory contributions to the Central Provident Fund (CPF) reduce take-home pay, yet some individuals feel less urgency to save due to their current living situations [8]