双语 | 2018第N扎！近六成中国年轻人没存款…(2)

在还没有开始准备养老储蓄的年轻人中，40%的人计划开始储蓄的平均年龄是 40岁，距离理想的退休年龄57岁，只有17年的时间来储备资产。 [转载出处：www.11jj.com]

However, young Chinese save an average of CNY1,339 per month, regardless of inflation and income changes, and based on the bank interest rate of 1.75%, it would take them about 60 years to save CNY1.63m.

而开始存款的这些年轻人中每月平均储蓄仅为1339元，不考虑通货膨胀和收入变化，按照银行利率1.75%计算，需要60年左右才能存够163万元。

More than half of Chinese millennials said they would expect to simply use cash savings and the government pension as their main sources of retirement income.

超半数受访者表示，希望使用现金存款和政府养老金作为主要退休收入来源。

The findings are based on a survey of 28,440 respondents on the Ant Fortune platform, with 95% of respondents coming from China"s first to fourth tier cities, and 75% being young people aged between 18-34. Ant Fortune is the wealth management app of Alibaba-affiliated Ant Financial Services.

此次调查样本为28440位蚂蚁财富用户，95%的受访者来自中国一至四线城市，，75%的受访者为年龄介于18至34岁之间的年轻人。蚂蚁财富是阿里巴巴旗下蚂蚁金融服务集团的财富管理应用程序。

Among all age groups, the survey found that the average retirement age is 58, and excluding investments, respondents think they need at least CNY1.82m in cash savings to retire.

调查显示，各年龄群体预期的平均退休年龄为58岁，在不考虑投资的基础上 ，调查对象认为他们每人至少需要有182万元的养老存款。

Overall, 54% of respondents said they had not started saving for retirement. According to the survey data, only 5% of the respondents believe that they will get support from their children in their retirement years.

54%的调查对象承认他们并未开始为养老而存钱。从调查数据来看，只有5%的受访对象认为他们能在晚年得到子女的支持。