[2023] Survey: Savings, consumption, and investment are the three major "returns"

According to the '2022 Corporate Reward Report' released after surveying 504 companies by CIIC Consulting, 74% of all companies plan to pay year-end bonuses in 2022, equivalent to 1.8 times the employee's monthly salary. The amount and 21,900 yuan per person are rather low, and in 2021, 23,700 yuan, the average of tier 1 cities is 28,300 yuan, leading all regions. According to Manpower Group's '2022 Annual Performance Survey (based on year-end bonus performance)', the average year-end bonus for employees in 10 industries, including high-tech, finance, and service industries, is about 10 million won. 22,000 yuan, of which technology, medicine and financial industries are among the top three.

As a result of randomly surveying about 100 people through an anonymous survey, the reporter found that savings, consumption, and investment are the three 'rewards' of the year-end awards ceremony. Among them, the choice of saving was about 43%, and the choice of consumption was about 34%. In terms of consumption, cultural tourism products such as tourism accounted for a relatively large share, and in terms of funds, funds and gold took second place.

Mr. Li, who lives in Dongcheng District, Beijing, told the Securities Daily: "My year-end bonus has already arrived before the Chinese New Year. It is almost 50,000 yuan. My current plan is consumption. I have saved money for three years. I want to travel. .Use your vacation well and go out more.”

Only 26 years old, Mr. Wu currently works for a major Internet company in Beijing. He told reporters that this year's total prize money is mainly divided into three parts. One part was used to buy large quantities of medical products and health checkup equipment during the Chinese New Year, mainly for hometown parents. Another part is set aside to "fund" his travels, and he plans to use his annual leave to travel in the summer. The last part is choosing to invest and manage your money.

The reporter revealed that there are many opinions that he should carefully plan not only consumption, but also how to spend year-end bonuses on investment.

Mr. Zhang works in a central factory and turns 42 this year. Regarding how to use the year-end bonus, he told reporters, "My child is in elementary school, and this year's year-end bonus was accumulated as a child's 'raising fund'. I chose 10 things. -Payment products." Annual, and child repayments are guaranteed to start when the child turns 25. The wife's year-end bonus is allocated for the family's living expenses and placed in short-term and open-ended financial management. funds".

Recently, many insurance companies are afraid of the opportunity to throw out advertisements such as "Pension adjustment is urgent compared to the extended retirement table" and "This extended life span is appropriate because income is high at 3,499%." Advertisements such as “To save money for office workers” and “You must see the year-end bonus, special fund for children, and customized education pension” appeared frequently among acquaintances, and many respondents accepted the recommendation and joined the pension product.

Zhang, from Tianjin, told reporters that he used his year-end bonus for deposit annuity insurance this year, and this is the second time he has paid out the bonus.