調查顯示 國人需儲蓄182萬元養老

People need at least 1.82 million yuan of savings for retirement, a new survey shows.

一項新調查顯示，國人爲養老至少需要儲存182萬元。

However, more than half of young Chinese have not yet started saving. Many choose to depend on their national pension, but know little about the government-run pension system, according to the China Pension Outlook Report, released by Ant Financial and Fidelity International.

根據螞蟻金服和富達國際近日發佈的《中國養老前景調查報告》顯示，然而超過半數的年輕人尚未開始儲蓄，許多人選擇依靠國家養老金，但卻對政府的養老金體系知之甚少。

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 and 35.

該調查結果是基於對螞蟻財富平臺上28440名受訪者進行的調查得出的，其中95%的調查對象來自國內一線至四線城市，75%的受訪者爲18-35歲的年輕人。

The survey found the average retirement age is 58, and 54% of respondents said they had not started saving for retirement.

這項調查發現，當下平均退休年齡爲58歲，54%的受訪者沒有開始爲退休而儲蓄。

Taking investments out of consideration, respondents think they need at least 1.82 million yuan in cash savings to retire. For young people aged below 35, the figure is set at 1.63 million yuan.

不考慮投資因素的話，受訪者普遍認爲他們需要至少182萬元現金積蓄才能退休。至於對年齡低於35歲的年輕人來說，這個數字被定爲163萬元。

Among young people who have not started saving, 40% planned to start at the age of 40. They also hoped to retire at 57 -- meaning they would only have 17 years to achieve their saving goals.

在尚未開始儲蓄的年輕人中，有40%的人計劃從40歲開始儲蓄。他們希望退休的年齡爲57歲，這意味着他們只有17年的時間實現其儲蓄目標。

From China's first-tier to fourth-tier cities, the proportion of those who have not prepared for their retirement savings remained generally stable, at 53% to 55%.

從中國的一線城市到四線城市，沒有爲退休之後的生活做好儲蓄準備的人的比例保持普遍穩定，在53%到55%之間。