由于通货膨胀、寿命长、财政压力等原因,英国元Z需要3 100万英镑的养老金储蓄,以安稳地退休。 UK Gen Z needs £3.1M pension savings to retire comfortably, per Rathbones, due to inflation, longevity, and financial pressures.

据Rathbones Group指出,英国Z代可能需要310万英镑的养老金储蓄,才能在65岁时顺利退休,这个数字是由2%的年通货膨胀率和更长的寿命驱动的。 Generation Z in the UK may need £3.1 million in pension savings to retire comfortably at 65, a figure driven by 2% annual inflation and longer lifespans, according to Rathbones Group. 根据PLSA准则,这一估计假设年度投资回报率为5%,每月储蓄为1 600英镑,每年增加2%,税收减免和雇主缴款减轻负担。 The estimate, based on PLSA guidelines, assumes a 5% annual investment return and monthly savings of £1,600, rising 2% yearly, with tax relief and employer contributions reducing the burden. 没有这些好处,储蓄就要几乎翻一番。 Without these benefits, savings would need to nearly double. 分析排除了国家养老金、住房、照料和税收,并强调了诸如高住房成本、学生债务和工作不稳定等挑战。 The analysis excludes state pension, housing, care, and taxes, and highlights challenges like high housing costs, student debt, and job instability. 适度退休需要220万英镑;最低标准947 700英镑。 A moderate retirement requires £2.2 million; a minimum standard, £947,700.