According to AllianzGI’s Retirement Confidence Survey conducted in July 2020, Hong Kong’s middle-aged pre-retirees – the Sandwich Generation – don’t fancy their odds of retiring comfortably due to the likely shortfall in their retirement savings. Indeed, retirement planning doesn’t stop at retirement. To achieve a comfortable retirement, it is crucial for individuals to invest prudently during not only the accumulation phase to protect investment assets, but also the decumulation phase during retirement to sustain a stable income flow.
Let’s take a look at the following findings.
![](/-/media/AllianzGI/AP/HongKong/retirement-survey-2020/images/survey/icon1.png)
The average ideal
retirement reserve is
![](/-/media/AllianzGI/AP/HongKong/retirement-survey-2020/images/survey/icon2.png)
The gap between ideal and
actual retirement reserves is
![](/-/media/AllianzGI/AP/HongKong/retirement-survey-2020/images/survey/icon3.png)
Estimated achieved
amount can sustain living
after retirement for
![](/-/media/AllianzGI/AP/HongKong/retirement-survey-2020/images/survey/icon4.png)
are confident in generating
stable income to sustain living
standard after retirement
Plan early and enhance protection to sustain joyful life in retirement:
![](/-/media/AllianzGI/AP/HongKong/retirement-survey-2020/images/survey/part2-1.jpg)
![](/-/media/AllianzGI/AP/HongKong/retirement-survey-2020/images/survey/part2-1-m.jpg)
![](/-/media/AllianzGI/AP/HongKong/retirement-survey-2020/images/survey/part2-2.jpg)
![](/-/media/AllianzGI/AP/HongKong/retirement-survey-2020/images/survey/part2-2-m.jpg)
![](/-/media/AllianzGI/AP/HongKong/retirement-survey-2020/images/survey/part2-3.jpg)
![](/-/media/AllianzGI/AP/HongKong/retirement-survey-2020/images/survey/part2-3-m.jpg)
![](/-/media/AllianzGI/AP/HongKong/retirement-survey-2020/images/survey/part2-4.jpg)
![](/-/media/AllianzGI/AP/HongKong/retirement-survey-2020/images/survey/part2-4-m.jpg)