澳洲

64%($64)

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以64%高居亞太區榜首，透過逾4萬億澳元強制性 Superannuation 退休金體系讓每位打工仔自首份工作起實踐資產配置。

澳洲以64%成人金融素養率領先整個亞太地區——高於紐西蘭（61%）、新加坡（59%）與香港（43%）——全賴強制性退休金（Superannuation）與政府 Moneysmart 理財平台。

About Australia

Australia, officially the Commonwealth of Australia, is a country comprising the mainland of the Australian continent, the island of Tasmania and numerous smaller islands. It has a land area of 7,688,287 km2 (2,968,464 sq mi), making it the sixth-largest country in the world, and is the world's flattest and driest inhabited continent. It is a megadiverse country, and its size gives it a wide variety of landscapes and climates, including large deserts centrally and tropical rainforests along the…

Key Benchmarks & Specifications

成人金融素養率

64%. 全球排名全球第9位（64%）. 校園理財教育全國課程數學與人文科整合及 ASIC Moneysmart. 央行與監管機構 Reserve Bank of Australia (RBA) & ASIC. 退休金與儲蓄制度強制12%僱主供款退休金（Superannuation，逾4萬億澳元）

Editorial Strengths & Watchouts

Pros

64%冠絕亞太區，領先新加坡（59%）及香港（43%）
高達12%強制僱主退休金供款深化全民長期複利與股債配置經驗

Cons

主要城市樓價高企加上浮息按揭為主，家庭供樓對利率極敏感
育兒休假等因素仍造成男女退休金帳戶結餘差距

Eligibility & Access

強制職場退休金長期複利累積與官方基金收費表現比對機制

Key Caveats to Verify

先買後付（BNPL）盛行與高成數按揭仍考驗年輕世代現金流紀律

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澳洲