根据全球资产管理公司T. Rowe Price的一项调查，超过一半的香港在职成年人认为人工智能将使他们的退休之路比上一代人更加不可预测，但只有五分之一的人觉得自己在财务上已为这一转变做好准备。
More than half of Hong Kong’s working adults believe artificial intelligence will make their retirement path more unpredictable than previous generations, yet only one in five feel financially prepared for the shift, according to a survey by global asset manager T. Rowe Price.
在被调查的1004名30岁及以上、月收入不低于15000港元（约合2239美元）的香港居民中，约55%的人认为人工智能驱动的变革将破坏他们的长期职业和收入轨迹。
About 55 per cent of the 1,004 Hong Kong residents surveyed, all aged 30 and above earning at least HK$15,000 (US$2,239) per month, expect AI-driven disruption to destabilise their long-term career and income trajectories.
调查显示，30至39岁的工人对退休前景的不确定性最为突出，有61%的人预计通往退休的道路将更加崎岖。
Uncertainty was most pronounced among workers aged 30 to 39, with 61 per cent anticipating a rockier road to retirement, the survey found.
T. Rowe Price大中华区中介渠道负责人陈瑞明表示：“退休正从一个时间点转变为一个过程。”
“Retirement is becoming less of a single point in time and more of a journey,” said Raymond Chan, head of Greater China intermediary distribution at T. Rowe Price.
“AI增加了另一层不确定性，因为它可能使一些人能够工作更久或更灵活，同时也可能促使另一些人重新培训、减少工作时间或重新考虑退休时间。”尽管担忧广泛存在，但财务规划尚未跟上步伐。只有21%的受访者表示，如果人工智能改变他们的就业、收入或退休时间，他们在财务上是“完全”或“相当”做好准备的。
“AI adds another layer of uncertainty because it could enable some people to work longer or more flexibly, while prompting others to reskill, reduce their hours or rethink when they retire.”Despite widespread concern, financial planning has yet to keep pace. Only 21 per cent of respondents said they were “fully” or “substantially” prepared financially should AI alter their employment, income or retirement timing.
尽管近60%的受访者估计他们需要超过500万港元才能安心退休——其中22%的人目标是1000万港元以上——但只有15%的受访者拥有并定期审查的全面退休计划。
Although nearly 60 per cent estimated they would need over HK$5 million to retire with peace of mind – with 22 per cent targeting upwards of HK$10 million – just 15 per cent of respondents maintained a comprehensive retirement plan that was reviewed regularly.
初步的财务规划更侧重于短期缓冲而非长期增长。为应对AI风险，43%的工人已增加应急现金储备，而只有28%的人调整了他们的退休投资组合。
Initial financial planning leaned heavily towards short-term buffers rather than long-term growth. To hedge against AI risks, 43 per cent of workers have expanded their emergency cash funds, whereas only 28 per cent had adjusted their retirement investment portfolios.
T. Rowe Price全球投资解决方案策略师及投资组合经理沈雯婷表示：“将长期退休投资组合中过多资产持有为现金，可能使购买力面临通胀风险。”
“Holding too much of a long-term retirement portfolio in cash can leave purchasing power vulnerable to inflation,” said Wenting Shen, Global Investment Solutions Strategist and Portfolio Manager at T. Rowe Price.
如果人们提前退休、延迟退休或分阶段退休，他们的投资期限和风险需求也可能随之变化。因此，拥有一个能够随时间变化而调整的投资框架变得尤为重要。
“If people retire earlier, later or in stages, their investment horizon and risk needs may change too. That makes it important to have an investment framework that can adapt over time.”