HK Life Expectancy Calculator.

HK Life Expectancy Calculator. 1.0 for android

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Description :
HK Life Expectancy Calculator Demo (Ver.1999)
For retirement planning or other purposes, we need to estimate the expected life span, i.e. to what age one can expect to live on average. This calculator shows to what age a Hong Kong person can expect to live on average as well as the probability of living up to certain age if he/she were subjected to the age-sex specific mortality rates shown in the
'Hong Kong Life Tables 1999' published by Hong Kong Census and Statistics Department.
Check out the pay version which is based on the latest 'Hong Kong Life Tables' data.
App concept designed by Ronald Fong, CERTIFIED FINANCIAL PLANNER with ideas based on his published article (below)
App developed by Simple Solutions
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以預期壽命策劃退休生活存漏洞 --- 信報2004-05-19
且讓筆者先講述一個有關於沙漠旅行者的故事。從前有一位旅行者要準備糧水以橫越沙漠,別人告知他,一般人平均而言,七十八點六天便可完成。他自覺世事難 料,一切可以日後再算,俗語說「船到橋頭自然直」,所以裝備了七十九天的糧水後,便瀟灑上路。但不幸的是,他並不知道有超過一半人(56%)是需要多過七 十九天才能橫越這沙漠的。更不幸的是,在他出發以後,他個人及外在環境都在不知不覺中改變,導致他橫越這沙漠所需的時間變得愈來愈長!
這故事究竟對退休策劃有何啟示呢? 讓我們看看專家的意見,在美國《Journal of Financial Planning》在2000年4月號中一篇名為<The Four Percent Solution?>的文章中,作者提出警告,大意如下:現今六十五歲的美國人,預期壽命為十七年半,意即預期死亡年齡為八十二歲半(預期死亡年齡=現在 年歲+該年歲之預期壽命)。但更重要的是,有超過25%的六十五歲人士,會活到九十歲。假若他們在六十五歲退休時,以八十二歲半作退休財務策劃,這樣,便 將有25%的長者(或平均而言,每人25%的機會)在八十二歲半時已用盡退休資金,但仍會多活七年半。那麼,這七年半的生活費便成了大問題。
簡單而言,預期壽命是指某一歲別人士的平均剩餘壽命。絕大多數人,包括部份財務策劃顧問為客人作退休財務策劃時,都以此數字去制訂退休後年期,從而再計算所需的退休資金及投資回報率等。漏洞便在此產生。
跟據香港政府統計處2003年的臨時數字顯示,去年出生的男嬰之平均預期壽命為七十八點六歲,而女嬰則為八十四點三歲。平均而言,該男嬰約有56%的機會 活存至七十九歲,20%活到九十歲;而女嬰則約有56%的機會活至八十五歲,36%活到九十歲。那麼2003年時已屆六十五歲的男士呢? 平均而言,他們約有65%機會可存活至七十九歲,23%活到九十歲;去年為六十五歲的女士,則約有60%機會活存至八十五歲,38%活到九十歲。若以預期 壽命(男士七十八點六歲,女士八十四點三歲)制訂退休財務計劃,那便會有過早用盡退休資金的問題。
構成這個漏洞,有幾個主要原因。首先,在預期壽命數字的提供及發布時,人們只集中於新生嬰兒的預期壽命數字,而且多數人對預期壽命數字背後的剩餘及平均數 概念並不透徹掌握。其次,絕大多數人只貪圖方便及簡單,便不理對錯,順手牽來,使用他人(新生嬰兒)的預期壽命數字為己用。此外,隨著醫療科技及各方面的 改善,以往制訂的退休財務計劃中預期死亡之年齡,每隔數年便須要修訂才能符合實際情況。還有的是,在退休財務策劃上,預期壽命數字能提供的參考和實用價 值,遠遠不及尚存人數之分布情況及數字。筆者一向強調退休財務策劃的複雜性及專業性,所以讀者千萬不可掉以輕心及草草了事。所謂一子錯,滿盤皆落索。若因 誤用一些訊息、假設及分析而導致退休變長憂,便萬分不值了。
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Download HK Life Expectancy Calculator. - Version: 1.0

HK Life Expectancy Calculator.
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Size: 305.99KB
Requires: Android 1.6 or higher

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