Inflation, interest rates weighing on Canadians' retirement plans: survey
The survey from HOOPP and Abacus Data released Thursday found that 44 per cent of non-retired Canadians aged 55 to 64 have less than $5,000 in savings, with one in five from that group saying they have not set anything aside for retirement.
The picture is bleak for those older Canadians,” said Zanardo.
More than half of those surveyed aged 55 to 64 said if inflation keeps rising, they will have to push back their intended retirement date.
“What really stood out for us this year and what was concerning is the older age group, and the fact that they're just not as prepared for retirement as one would hope they would be,” said Zanardo.
“At a period in their life when they should be getting excited about retirement, because of inflation and raising interest rates they’re now considering whether they can retire when they had planned on and whether they should be pushing that day out.”
Abacus Data CEO David Coletto said in the press release that in the five years of conducting this survey, around 70 per cent of respondents have consistently agreed that Canada is heading for a retirement crisis.
“These findings for older Canadians suggest a crisis might be looming ever closer if current economic trends continue,” Coletto said.
Having enough money for retirement is one of the major concerns survey respondents outlined. Among everyone surveyed, 44 per cent said they haven’t set any money aside for retirement in the past year, an increase of six per cent year over year.
Young adults aged 18 to 34 are also struggling to plan for the future, with half saying they’re living beyond their means, and most saying they’re worried about the impact of higher interest rates on their retirement savings and ability to pay down debt.
“We've always said that saving early and saving often
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Inflation, interest rates weighing on Canadians' retirement plans: survey
https://www.cp24.com/news/inflation-interest-rates-weighing-on-canadians-retirement-plans-survey-1.6442059
Canadians are struggling to save for retirement, with many planning to push back the next phase of their life amid inflation and higher interest rates, according to a new survey from the Healthcare of Ontario Pension Plan.
“With a prolonged period of rising inflation and interest rates, Canadians of all ages are finding it much harder to save for retirement, and specifically the older age group that really should be looking forward to retirement,” said Ivana Zanardo, head of plan services at HOOPP.
Inflation has been slowly cooling in recent months, but at 4.4 per cent in April year over year it’s still more than double the central bank’s target rate of two per cent. The Bank of Canada last week raised its overnight rate to 4.75 per cent after several straight months of holding it steady, citing the risk of sticky inflation. [1评]
安省退休金计划的医疗部门一项新调查显示，加拿大人正在努力为退休储蓄，由于通货膨胀和利率上升，许多人计划推迟退休。
HOOPP计划服务负责人Ivana Zanardo说：“由于通胀和利率长期上升，各个年龄段的加拿大人都发现，为退休储蓄变得越来越困难，尤其是那些真正应该期待退休的老年人。”
图源：51记者拍摄
近几个月的通胀在缓慢降温，但是4月份的同比通胀率为4.4%，仍是加拿大央行2%目标利率的两倍多。央行在连续几个月保持利率不变后，上周又将隔夜利率上调至4.75%，理由是存在粘性通胀的风险。
HOOPP和Abacus Data周四公布的这项调查发现，在55岁至64岁的未退休加拿大人中，44%的人存款不足5000元，其中五分之一的人说他们没有为退休做任何储蓄。
Zanardo说：“对于年长的加拿大人来说，前景惨淡。”
在55岁至64岁的受访者中，超过一半的人表示，如果通胀持续上升，他们将不得不推迟退休日期。
Zanardo说：“今年我们真正关注的是年龄较大的群体，他们并没有像人们希望的那样为退休做好准备。”
“在他们应该为退休感到兴奋的人生阶段，由于通胀和利率上升，他们现在考虑的是能否按计划的时间退休，以及是否应该把这一天推迟。”
Abacus Data首席执行官David Coletto表示，在进行这项调查的五年里，大约70%的受访者一致认为，加拿大正在走向退休危机。
Coletto说：“这些针对加拿大老年人的调查结果表明，如果目前的经济趋势继续下去，危机可能会越来越近。”
受访者最关心的一个问题有足够的钱退休。在所有接受调查的人中，44%的人表示他们在过去一年里没有为退休存钱，比去年增加了6%。
年龄在18到34岁之间的年轻人也在努力规划未来，其中一半的人说他们的生活入不敷出，大多数人说他们担心利率上升影响到退休储蓄和偿还债务的能力。
Zanardo说：“我们总是说，尽早储蓄，经常储蓄是为退休做准备的最好方式。”但是在生活成本不断上升的情况下，这说起来容易做起来难。
她说：“这个群体关心的是他们的收入能否跟上通胀的步伐，能否负担得起住房，最重要的是，他们是否有能力为退休储蓄。”
即使生活成本不断上升，近70%的受访者表示，他们愿意接受较低的工资，以换取更好的退休金。与此同时，78%的人表示，应该要求所有雇主以某种方式为工人的退休金供款。