铜板街联合和讯发布《2016女性财富管理报告》
2016年08月19日 16:54:37 来源： 浙江在线
随着女性家庭与职场地位的提升，围绕女性群体形成了特殊的消费与理财圈层，使得“她经济”成为这个时代最重要的议题之一。女性消费以及财富管理行为有何特点，她们对互联网理财有何偏好？8月18日，国内领先的智能财富管理平台铜板街联合权威财经媒体和讯发布了《2016年女性财富管理报告》，从事业家庭、消费理财以及互联网理财三个角度，对正在崛起的女性投资群体进行全面解析。
《报告》显示，有近60%的家庭中，女性负责家庭财富管理决策，成为家庭财富管理 “一把手”。其中，女性收入水平在很大程度上影响其在家庭中的财富管理地位，年薪越高，女人掌财的话语权力就越大。由于肩负着妻子、母亲、儿女等“多角色”身份，女性家庭责任自我定位使得她们在家庭生活安排、家庭消费支出、保险的购买甚至理财决策中都承担了更大的责任，所以其理财需求也显得非常强烈。
《报告》指出，在家庭理财资产的配置方面，女性的投资理财行为仍然比男性显得保守，更加注重规避风险。反映在选择具体的理财渠道方面，女性投资于股市、房地产等资产的比例较之男性都比较低。不过，随着近年来互联网金融的兴起，女性对于这一新事物的接纳和尝试意愿要比男性高，让女性走在了互联网理财的最前端。
在女性互联网理财画像上，她们主要是25-35 周岁的一群经济独立的女性；北上广深以及东南沿海城市的女性，继续 2015 年的态势领跑互联网理财。其中，收入年薪处于 8W-15W 的女性对于互金理财最为感兴趣，不过，收入在 20W-50W之间的女性投资能力最强，她们中 77.3%投资额度都超过了10W，并且30.4%的互金产品配置超过总投资金额的 50%。《报告》显示，有互金投资经验的被调查者中 66.7%的人表示会继续增加互联网金融产品的投资，展现出她们对于互金行业发展的乐观心态。
据悉，本次《报告》由和讯、铜板街、阿里研究院、数字100合作完成。作为样本数据的提供方，铜板街前期通过移动端和社会化媒体对百万女性用户发放问卷，从女性的消费观念、资产规模、理财偏好等多方面进行调研，筛选出有效样本10000份，为深入研究女性理财市场提供了鲜活的第一手资料。
铜板街市场高级总监夏洁表示，连续两年与和讯网一起调研和发布女性财富管理报告，我们希望通过对女性理财的行为和心理进行分析，对追求稳健理财的女性用户有一些实际意义的指导，让她们的钱变得更有价值。接下来，铜板街也将针对女性用户的理财特点，为其量身定制家庭财富管理方案，满足女性用户的多种理财需求。
原文链接
- wong chee tat :)
Showing posts with label paycheck. Show all posts
Showing posts with label paycheck. Show all posts
Saturday, September 3, 2016
Tuesday, April 28, 2015
Singaporeans' understanding of basic money management getting worse: Survey
Singaporeans' understanding of basic money management getting worse: Survey
POSTED: 27 Apr 2015 15:45
UPDATED: 28 Apr 2015 09:11
“Going by the survey results, people in Singapore are finding it harder to keep up with bills, budget effectively and manage unsecured loans,” says MasterCard.
SINGAPORE: The Republic has recorded the largest decline in financial literacy in the Asia Pacific - dropping from second to sixth place, according to the MasterCard Financial Literacy Index.
In a news release on Monday (27 Apr), MasterCard said Singapore slid four index points to score 68 index points in financial literacy, while New Zealand ranked second with 71 points, losing the top spot to Taiwan.
The annual survey, conducted between July and Aug 2014 on 8,087 respondents aged 18 to 64 in 16 countries in the Asia Pacific, covers three components: Basic Money Management, Financial Planning and Investment.
The key reason for the decline in Singapore’s financial literacy is the fall in consumers’ understanding of basic money management, said the release. “Going by the survey results, people in Singapore are finding it harder to keep up with bills, budget effectively and manage unsecured loans.”
Singapore is not the only country that experienced a drop, as MasterCard revealed that the struggle to improve financial literacy “is taking place throughout the region”. Progress towards improving basic finance knowledge and skills across Asia Pacific has stalled as 12 of 16 countries recorded lower scores in financial literacy, the release added.
Other countries that saw a decline include Australia and Japan, both down by two points to fourth and sixteenth place respectively. This was also attributed as the reason behind Hong Kong’s advancement from fifth to third place.
While developed markets tend to rank higher than emerging markets such as Myanmar and Vietnam, Japan remains the outlier, staying in the bottom spot for the 3rd consecutive year.
“There is no one reason for the falling level of financial literacy across the region but the data clearly shows that the young and unemployed need additional support. Educating people so they can plan for the future is a crucial aspect of financial inclusion,” said Mr T V Seshadri, Group Executive, Global Products and Solutions, MasterCard Asia Pacific.
“In both developed and emerging markets, people are struggling to understand basic financial concepts such as inflation," he said. "In addition, while Asia Pacific is a region of savers, the lack of retirement planning should cause particular concern. It is not enough to provide access to financial services, we must ensure that everyone knows how to save, budget and invest so that their wellbeing can be secured over the long term.”
MasterCard Singapore group head and general manager Deborah Heng, added that a practical understanding of how to manage money, including saving and borrowing, should be provided by parents and taught at school.
“Crucial to improving financial literacy is encouraging education at an early age. The goal is to eventually develop financial know-how so that people can effectively manage money matters such as household cash-flows and loans,” she said.
- CNA/ct
- wong chee tat :)
POSTED: 27 Apr 2015 15:45
UPDATED: 28 Apr 2015 09:11
“Going by the survey results, people in Singapore are finding it harder to keep up with bills, budget effectively and manage unsecured loans,” says MasterCard.
SINGAPORE: The Republic has recorded the largest decline in financial literacy in the Asia Pacific - dropping from second to sixth place, according to the MasterCard Financial Literacy Index.
In a news release on Monday (27 Apr), MasterCard said Singapore slid four index points to score 68 index points in financial literacy, while New Zealand ranked second with 71 points, losing the top spot to Taiwan.
The annual survey, conducted between July and Aug 2014 on 8,087 respondents aged 18 to 64 in 16 countries in the Asia Pacific, covers three components: Basic Money Management, Financial Planning and Investment.
The key reason for the decline in Singapore’s financial literacy is the fall in consumers’ understanding of basic money management, said the release. “Going by the survey results, people in Singapore are finding it harder to keep up with bills, budget effectively and manage unsecured loans.”
Singapore is not the only country that experienced a drop, as MasterCard revealed that the struggle to improve financial literacy “is taking place throughout the region”. Progress towards improving basic finance knowledge and skills across Asia Pacific has stalled as 12 of 16 countries recorded lower scores in financial literacy, the release added.
Other countries that saw a decline include Australia and Japan, both down by two points to fourth and sixteenth place respectively. This was also attributed as the reason behind Hong Kong’s advancement from fifth to third place.
While developed markets tend to rank higher than emerging markets such as Myanmar and Vietnam, Japan remains the outlier, staying in the bottom spot for the 3rd consecutive year.
“There is no one reason for the falling level of financial literacy across the region but the data clearly shows that the young and unemployed need additional support. Educating people so they can plan for the future is a crucial aspect of financial inclusion,” said Mr T V Seshadri, Group Executive, Global Products and Solutions, MasterCard Asia Pacific.
“In both developed and emerging markets, people are struggling to understand basic financial concepts such as inflation," he said. "In addition, while Asia Pacific is a region of savers, the lack of retirement planning should cause particular concern. It is not enough to provide access to financial services, we must ensure that everyone knows how to save, budget and invest so that their wellbeing can be secured over the long term.”
MasterCard Singapore group head and general manager Deborah Heng, added that a practical understanding of how to manage money, including saving and borrowing, should be provided by parents and taught at school.
“Crucial to improving financial literacy is encouraging education at an early age. The goal is to eventually develop financial know-how so that people can effectively manage money matters such as household cash-flows and loans,” she said.
- CNA/ct
- wong chee tat :)
Wednesday, July 10, 2013
Students from local universities temper salary expectations
Students from local universities temper salary expectations
By Saifulbahri Ismail
POSTED: 10 Jul 2013 6:11 PM
University students are better managing their expectations on the salary of their first job. An online survey by talent company Universum showed that business students expect an average monthly salary of about S$3,300 -- that is a reduction of eight per cent from 2012.
SINGAPORE: University students are better managing their expectations on the salary of their first job. An online survey by talent company Universum showed that business students expect an average monthly salary of about S$3,300 -- that is a reduction of eight per cent from 2012.
Meanwhile, engineering students maintained their expected monthly salary at S$3,354.
The survey polled more than 6,000 students from Nanyang Technological University, National University of Singapore and Singapore Management University.
Universum said the lower expectations could be due to the tight labour market, as well as concerns over the viability and ease of finding a good first job upon graduation.
Students also continue to rank foreign companies more favourably as an ideal place to work.
The survey showed foreign employers have the edge over local companies in areas like training and development. However, private home-grown companies have better friendly work environment than their foreign counterparts.
Joakim Strom, managing director of Universum, said: "We will see more local companies (in the list) going forward because the local companies tend to start offering similar things as the foreign companies, such as international career opportunities and training.
"And I think the local companies are picking up very fast in terms of what they should offer to students in their career and development."
- AFP/ac
- wong chee tat :)
By Saifulbahri Ismail
POSTED: 10 Jul 2013 6:11 PM
University students are better managing their expectations on the salary of their first job. An online survey by talent company Universum showed that business students expect an average monthly salary of about S$3,300 -- that is a reduction of eight per cent from 2012.
SINGAPORE: University students are better managing their expectations on the salary of their first job. An online survey by talent company Universum showed that business students expect an average monthly salary of about S$3,300 -- that is a reduction of eight per cent from 2012.
Meanwhile, engineering students maintained their expected monthly salary at S$3,354.
The survey polled more than 6,000 students from Nanyang Technological University, National University of Singapore and Singapore Management University.
Universum said the lower expectations could be due to the tight labour market, as well as concerns over the viability and ease of finding a good first job upon graduation.
Students also continue to rank foreign companies more favourably as an ideal place to work.
The survey showed foreign employers have the edge over local companies in areas like training and development. However, private home-grown companies have better friendly work environment than their foreign counterparts.
Joakim Strom, managing director of Universum, said: "We will see more local companies (in the list) going forward because the local companies tend to start offering similar things as the foreign companies, such as international career opportunities and training.
"And I think the local companies are picking up very fast in terms of what they should offer to students in their career and development."
- AFP/ac
- wong chee tat :)
Monday, May 6, 2013
74% of S'poreans unhappy with bonus payout: survey
74% of S'poreans unhappy with bonus payout: survey
POSTED: 06 May 2013 1:29 PM
A survey has found that seven in 10 Singaporeans will leave their current employers -- despite receiving their bonuses this year.
SINGAPORE: A survey has found that seven in 10 Singaporeans will leave their current employers -- despite receiving their bonuses this year.
Online recruitment company JobStreet.com recently conducted a survey with 1,962 Singaporean employees in April 2013 in an effort to understand Singaporeans' acceptance with regard to their bonus payout.
62 per cent of those surveyed are senior level executives.
Amongst the 60 per cent of respondents who received bonuses this year, 74 per cent were dissatisfied with the payout. Most respondents said their bonuses averaged around one and two months of salary.
The highest bonuses received, at six months or more, were from the Finance & Banking, Marine and Offshore, Oil and Gas and Manufacturing sectors. However, this group only represented two per cent of the total respondents who received their bonuses this year.
Most of the employees surveyed were paid bonuses between S$2,000 and S$5,000.
26 per cent indicated their bonus had increased compared to last year. 33 per cent said their bonus remained the same, while 40 per cent reported receiving lower bonuses.
Among respondents who received bonuses, 75 per cent indicated they are harbouring intentions of leaving the company. Of those, 26 per cent are leaving despite being satisfied with their bonus payout.
Monetary rewards, such as bonuses and increment, were identified as the most powerful incentives with regards to encouraging high performance and retaining employees.
Most respondents commented that while fringe benefits like company incentive trips and medical and welfare entitlements are appreciated, cash incentives are more practical in dealing with the increasing cost of living in Singapore.
- CNA/ac
- wong chee tat :)
POSTED: 06 May 2013 1:29 PM
A survey has found that seven in 10 Singaporeans will leave their current employers -- despite receiving their bonuses this year.
SINGAPORE: A survey has found that seven in 10 Singaporeans will leave their current employers -- despite receiving their bonuses this year.
Online recruitment company JobStreet.com recently conducted a survey with 1,962 Singaporean employees in April 2013 in an effort to understand Singaporeans' acceptance with regard to their bonus payout.
62 per cent of those surveyed are senior level executives.
Amongst the 60 per cent of respondents who received bonuses this year, 74 per cent were dissatisfied with the payout. Most respondents said their bonuses averaged around one and two months of salary.
The highest bonuses received, at six months or more, were from the Finance & Banking, Marine and Offshore, Oil and Gas and Manufacturing sectors. However, this group only represented two per cent of the total respondents who received their bonuses this year.
Most of the employees surveyed were paid bonuses between S$2,000 and S$5,000.
26 per cent indicated their bonus had increased compared to last year. 33 per cent said their bonus remained the same, while 40 per cent reported receiving lower bonuses.
Among respondents who received bonuses, 75 per cent indicated they are harbouring intentions of leaving the company. Of those, 26 per cent are leaving despite being satisfied with their bonus payout.
Monetary rewards, such as bonuses and increment, were identified as the most powerful incentives with regards to encouraging high performance and retaining employees.
Most respondents commented that while fringe benefits like company incentive trips and medical and welfare entitlements are appreciated, cash incentives are more practical in dealing with the increasing cost of living in Singapore.
- CNA/ac
- wong chee tat :)
Wednesday, November 21, 2012
研究：少年越快乐 成年收入越高
研究：少年越快乐 成年收入越高
研究显示，少年时期越快乐，成年后收入越高。
科研人员对1万名美国少年进行长达10年的追踪调查后发现，少年时期较不快乐的人，29岁时的收入比平均少百分之30；少年时较快乐的人，29岁时的收入则比平均高出百分之10。
参与调查的青少年必须在16、18和22岁时，完成问卷调查，评估他们对生活的满意度。研究人员排除了性别、智商、健康情况、身高等因素后发现，收入多寡与年轻时的快乐程度有关。即使是来自同一个家庭的兄弟姐妹，较快乐的人，收入也会更高。
研究人员认为，一个人快乐时，顾虑就比较少，注意力也比较集中，因此，能更专注地为事业打拼。
- wong chee tat :)
研究显示，少年时期越快乐，成年后收入越高。
科研人员对1万名美国少年进行长达10年的追踪调查后发现，少年时期较不快乐的人，29岁时的收入比平均少百分之30；少年时较快乐的人，29岁时的收入则比平均高出百分之10。
参与调查的青少年必须在16、18和22岁时，完成问卷调查，评估他们对生活的满意度。研究人员排除了性别、智商、健康情况、身高等因素后发现，收入多寡与年轻时的快乐程度有关。即使是来自同一个家庭的兄弟姐妹，较快乐的人，收入也会更高。
研究人员认为，一个人快乐时，顾虑就比较少，注意力也比较集中，因此，能更专注地为事业打拼。
- wong chee tat :)
Friday, October 19, 2012
2 in 5 SMEs face challenges in recruiting, retaining talent: survey
2 in 5 SMEs face challenges in recruiting, retaining talent: survey
Posted: 18 October 2012 1857 hrs
SINGAPORE : Two in five small and medium enterprises (SMEs) in Singapore face challenges in recruiting and retaining talent, due mainly to salary constraints.
According to a survey by the Singapore Institute of Management (SIM), talent management is the top challenge cited by managers across all levels.
About half of the respondents covered in the SIM Management Monitor felt they have not been effective in recruiting and retaining talent and blame the lack of competitive salaries for this.
Nearly all the managers surveyed indicated 'people' as the most critical factor to ensuring future growth and vitality of the SME sector in Singapore.
The survey also found that managers are satisfied with their jobs and are positive about career prospects but cautious about the global economy.
The majority, or 74 per cent, are satisfied with their current jobs.
C-suite executives, or the company's most important senior executives, expressed the most satisfaction - at 84 per cent - compared with mid-level management - at 70 per cent.
Managers in Singapore are more positive about the economy now, compared with 2009 during the global recession when the survey was first done.
In 2012, 45 per cent of the respondents are positive about Singapore's economic outlook, compared with only 12 per cent in 2009.
However, 40 per cent surveyed this year are ambivalent about the local economy, compared with 27 per cent in 2009.
As for the global economy, 16 per cent expressed optimism, compared with 6 per cent in 2009.
However, the majority still feel negatively about the global economy.
The stronger positive sentiments are reflected in how the managers feel about their jobs.
Wilson Wong, senior lecturer at SIM University's School of Business, said managers are generally more positive about the Singapore economy, and by extension their career prospects, as the country's top three trading partners - Malaysia, China and Indonesia - are still posting robust economic growth.
He warned that the ambivalence about the local and global economies could increase given that global macroeconomic fundamentals have worsened since the last quarter.
On the productivity front, one in two SMEs supports the government's call for productivity but 32 per cent also felt that the government is not doing enough to help them become more productive.
On their own, two in three SMEs have put in place some productivity measures, such as sending more staff for courses, as well as upgrading current equipment and technology.
Those who did not do so cited financial and time constraints.
More than 780 managers based in Singapore were interviewed in the survey between June and July 2012.
- CNA/ms
- wong chee tat :)
Posted: 18 October 2012 1857 hrs
SINGAPORE : Two in five small and medium enterprises (SMEs) in Singapore face challenges in recruiting and retaining talent, due mainly to salary constraints.
According to a survey by the Singapore Institute of Management (SIM), talent management is the top challenge cited by managers across all levels.
About half of the respondents covered in the SIM Management Monitor felt they have not been effective in recruiting and retaining talent and blame the lack of competitive salaries for this.
Nearly all the managers surveyed indicated 'people' as the most critical factor to ensuring future growth and vitality of the SME sector in Singapore.
The survey also found that managers are satisfied with their jobs and are positive about career prospects but cautious about the global economy.
The majority, or 74 per cent, are satisfied with their current jobs.
C-suite executives, or the company's most important senior executives, expressed the most satisfaction - at 84 per cent - compared with mid-level management - at 70 per cent.
Managers in Singapore are more positive about the economy now, compared with 2009 during the global recession when the survey was first done.
In 2012, 45 per cent of the respondents are positive about Singapore's economic outlook, compared with only 12 per cent in 2009.
However, 40 per cent surveyed this year are ambivalent about the local economy, compared with 27 per cent in 2009.
As for the global economy, 16 per cent expressed optimism, compared with 6 per cent in 2009.
However, the majority still feel negatively about the global economy.
The stronger positive sentiments are reflected in how the managers feel about their jobs.
Wilson Wong, senior lecturer at SIM University's School of Business, said managers are generally more positive about the Singapore economy, and by extension their career prospects, as the country's top three trading partners - Malaysia, China and Indonesia - are still posting robust economic growth.
He warned that the ambivalence about the local and global economies could increase given that global macroeconomic fundamentals have worsened since the last quarter.
On the productivity front, one in two SMEs supports the government's call for productivity but 32 per cent also felt that the government is not doing enough to help them become more productive.
On their own, two in three SMEs have put in place some productivity measures, such as sending more staff for courses, as well as upgrading current equipment and technology.
Those who did not do so cited financial and time constraints.
More than 780 managers based in Singapore were interviewed in the survey between June and July 2012.
- CNA/ms
- wong chee tat :)
Thursday, March 4, 2010
Over 5,500 job opportunities at career and education exhibition
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SINGAPORE : Singapore's largest career and education exhibition
opened on Thursday at the Suntec International Convention and Exhibition
centre.
Over 5,500 job opportunities are on offer at Career and Training 2010: Education 2010.
Over 320 companies and schools from 12 countries are taking part.
The two integrated resorts are also recruiting.
One of them, Marina Bay Sands, is looking to fill 500 job vacancies.
Over eight state and private universities are also participating in the exhibition.
Over 300,000 visitors are expected at the exhibition which ends on Sunday.
Over 5,500 job opportunities are on offer at Career and Training 2010: Education 2010.
Over 320 companies and schools from 12 countries are taking part.
The two integrated resorts are also recruiting.
One of them, Marina Bay Sands, is looking to fill 500 job vacancies.
Over eight state and private universities are also participating in the exhibition.
Over 300,000 visitors are expected at the exhibition which ends on Sunday.
- CNA/ms
- wong chee tat :)
Sunday, May 3, 2009
How to hide Thinking at Work so that the Non-Programmers don’t suspect Slacking?
How to hide Thinking at Work so that the Non-Programmers don’t suspect Slacking?
I was reading and searching some research papers and I came across this (as above). What do you think?
- wong chee tat :)
I was reading and searching some research papers and I came across this (as above). What do you think?
- wong chee tat :)
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