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Economy

لماذا يتقاعس الشباب عن الادخار من أجل تأمين “خريف العمر”؟

By دويتشه فيله · April 7, 2025 · 1 min read دويتشه فيله ↗

لماذا يتقاعس الشباب عن الادخار من أجل تأمين “خريف العمر”؟

ما يعرفه ريفو عن الخبر

يُعزى تقاعس الشباب عن الادخار للتقاعد جزئياً إلى تشاؤمهم بشأن طول أعمارهم وتقليلهم من تقدير عمرهم المحتمل.
تكون المعاشات التقاعدية للأشخاص الذين يعتمدون على ترجيحاتهم الشخصية أقل بنحو 8 بالمئة من أولئك الذين يعتمدون على بيانات علمية.
تؤثر عوامل إضافية مثل سهولة تحقيق فائض نقدي والمخاطر الصحية والرغبة في ترك إرث على قرارات الادخار.
يوصي الباحثون بتطوير خيارات أكثر مرونة للمعاشات التقاعدية وتحسين الثقافة المالية للشباب حول الاستعداد للتقاعد.

يميل الكثير من الشباب إلى الإنفاق بدون الحرص على ادخار جزء من أموالهم لاستخدامه لاحقًا بعد التقاعد. وتوصلت دراسة حديثة للعوامل التي تدفع الشباب لهذا السلوك، فما السبب؟ وكيف يتمكن الشباب من الاستعداد بشكل أفضل للتقاعد؟

المصدر: دويتشه فيله

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