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外派人员面临的海外财务陷阱

更新时间:2017/11/15 20:23:27 来源:本站原创 作者:佚名

The real reasons expats may find themselves worse off
外派人员面临的海外财务陷阱

For less than a month’s rent in her hometown of Vancouver, Lydia Lee is having a second storey built onto the villa she rents on the tropical island of Bali.

来自温哥华的莉迪亚·李(Lydia Lee)在处热带的巴厘岛上租了一栋别墅房子,她在上面加盖了第二层楼,所需经费还不到温哥华一个月的租金。

Relocating to Indonesia seven years ago has meant she’s been able to build her business and afford a much more lavish lifestyle than she could at home. A life coach, Lee can now eat out every day, employ a cleaner and get weekly massages.

七年前移居印度尼西亚的她得以在这里成立了自己的公司,生活也比在家里奢侈得多。她请了一位生活教练,每天都能出去吃饭,还雇了一名清洁工,每周还能做做按摩。

She ditched her six-figure salary in marketing and business development and now works for herself and travels the world. But relocating overseas doesn’t always work out so well financially.

她放弃了年薪六位数的市场营销和业务开发工作,现在一边给自己打工,一边周游世界。但从财务上看,移居海外未必总能达到这么好的效果。

Financial shocks

财务冲击

Not all expats find they can afford to live the high-life. InterNations, a networking resource for expats, recently surveyed more than 12,500 people living in 188 countries or territories and the picture the data paint of their finances is remarkably diverse.

并非所有移居海外的人都能承受得起这种奢侈的生活。外侨社交网络InterNations最近对1.25万生活在188个国家或地区的会员进行了调查,结果显示他们的财务状况存在很大差异。

While professionals who move to Vietnam, Mexico and Colombia – all countries with relatively low costs of living – find their purchasing power increases substantially, expats in other locations – including Italy, Israel and Greece – said they’re often unable to meet basic expenses due to the high cost of living.

移居越南、墨西哥和哥伦比亚的专业人士——这些国家的生活成本都相对较低——发现他们购买力大幅增加,但移居其他地方——包括意大利、以色列和希腊——的人表示,由于当地生活成本太高,他们往往连基本消费水平都达不到。

And things can quickly unravel.

而且情况可能很快失控。

For Russell Ward, a move down under put a significant strain on his finances and health. He moved to Sydney in 2006 with his Australian wife, who was keen to return home. They were drawn to the sunshine, warmth and ocean views – a welcome alternative to Canada, where the Englishman had been living since 2003.

对罗素·沃德(Russell Ward)来说,移居澳大利亚给他的财务和健康带来了极大压力。由于妻子思乡心切,他们夫妻二人2006一起移居悉尼。他们喜欢那里的阳光、海景和温暖的气候——这些方面都比加拿大好得多,这个英格兰人从2003年开始一直居住在那里。

The couple were working in sales and government respectively, but quickly realised how much more expensive life was going to be. Everything from groceries and clothing, to the booming housing market in Australia’s largest city, meant daily life was more expensive for them than in Canada. The Wards found themselves struggling to make their mortgage payments.

这对夫妇分别从事销售和政府工作,但他们很快意识到,悉尼的花费更高。从杂货和服装,到兴旺繁荣的住房市场,导致他们的生活成本远高于加拿大。沃德夫妇发现他们很难偿还按揭贷款。

“Even with no kids, we were experiencing a very lean time,” says Ward. “We soon realised that we'd changed the view out the window for the better but had replaced it with more expense.”

"即使没有孩子,我们的生活也很拮据。"沃德说,"我很快意识到,我们原本希望出来过更好的生活,但花费反而更高了。"

They cut down on eating out and socialising, but in 2010 the financial pressure pushed Ward to a complete emotional and physical breakdown. He ultimately lost his job and the Wards sold their home in order to rent something cheaper.

他们减少了外出就餐和社交活动,但2010年的财务压力还是让沃德的精神和身体彻底崩溃。他最终丢掉了工作,他们夫妇俩也卖掉了房子,转而租住在更便宜的住处。

But this was a turning point. After launching a content writing business, TheInternationalWriter.com, Ward and his wife took the decision to move back to less-expensive British Columbia in Canada and settling in Squamish, near Vancouver, in 2016. “It was honestly the breath of fresh air we needed,” he says.

但这却成为一个转折点。在成立了内容写作公司TheInternationalWriter.com后,沃德和他的妻子决定在2016年回到生活成本较低的加拿大英属哥伦比亚省,并定居在温哥华附近的斯夸米什(Squamish)。"那里才有我们需要的新鲜空气。"他说。

Disparities

财务差异

The differences in the way expats’ finances stack up, can, in part, be explained by analysing their motivations for relocating. The most popular reasons given for relocating to a new country were either to fulfil a sense of adventure, or for quality-of-life related to health or climate. So, many weren’t in it for the money in the first place: only 15% said they were primarily motivated by financial incentives.

移居海外的人在财务上存在差异,有一部分原因可以通过移居的动机来加以分析。移居海外最常见的理由要么是满足冒险精神,要么就是为了追求跟健康或气候有关的生活品质。所以很多人从一开始就不是为了赚钱:只有15%表示,他们这么做主要是出于财务动机。

Although HSBC’s 2017 Expat Explorer survey found that just over half of expats surveyed said they can save more money in their new country than they did at home, less than 60% have more disposable income than they did before they moved. And this proportion looks set to decrease.

虽然汇丰银行的《2017外籍工作者报告》(2017 Expat Explorer)发现,超过一半的受访者表示在新的国家攒的钱比在自己的祖国更多,但只有不到60%的人拥有比搬家前更多的可支配收入。而且,这一比例似乎还将降低。

Local compensation packages

本地化薪酬

Even at large multinational corporations, more and more expats are being put on ’localised’ packages – meaning that employers are asking employees to make a permanent move (often to a subsidiary or home office) instead of taking a temporary assignment, often for fewer perks and with no promises of a return ticket.

即便是在大型跨国公司,也有越来越多的外籍员工开始领取"本地化"薪酬包——也就是说,雇主会要求雇员永久调动(通常都是前往分公司),而不是暂时将其派往外地,这么做公司提供的补贴往往更少,而且不承诺提供返程机票。

Dr. Yvonne McNulty, a senior lecturer in the School of Human Development and Social Services at Singapore University of Social Sciences, says that the proportion of expats on generous compensation packages is now less than 50% and rapidly declining.

新加坡新跃社科大学(Singapore University of Social Sciences)人类发展与社会服务学院(School of Human Development and Social Services)高级讲师伊冯·麦克纳尔蒂(Yvonne McNulty)表示,获得慷慨薪酬的外籍工作者比例目前不到50%,而且还在快速下滑。

“For companies, localisation is simple,” she says. “It reduces their costs. For expats, it’s more complicated. While they receive fewer traditional financial benefits, they receive in exchange an intangible benefit of not being financially tied to their organisation, and with more freedom to change employers.”

"对公司来说,本地化很简单。"她说,"这能降低他们的成本。对外籍人士来说,情况却要复杂一些。虽然他们的传统财务收益减少了,但却可以获得一些隐形福利,这与他们所在组织并没有财务上的关联,而且可以获得更大自由来更换雇主。"

Even for those with generous compensation packages, many expats struggle to control their spending.

即便是能够享受丰厚薪水,很多外籍工作者也难以控制自己的开支。

“There is an implicit lifestyle you can be expected to adopt, which can mean excessive spending, drinking, going out and holidays,” says McNulty. And while full-package expats tend to live in a bubble, localised expats typically have a different experience. They tend to stay abroad longer – if they can afford it, McNulty says.

"你可能要适应一种莫可名状的生活方式,这可能导致你多花钱、多喝酒,还会经常出门度假。"麦克纳尔蒂说。拿到全额薪水的外籍工作者通常会生活在泡泡里,但领取本地化薪酬的外籍人士感受的体验却有所不同。麦克纳尔蒂表示,后者在国外的时间往往更长——如果他们能够负担得起的话。

But even for those who do move abroad with support from their company, a pile of cash isn’t always enough to keep them happy.

但即便是那些在公司支持下移居海外的人,丰厚的薪水也不足以让他们高兴。

Houman Lessani moved to Singapore – which has expats on some of the most generous compensation packages in the world – from Vancouver, in 2013.

胡曼·莱萨尼(Houman Lessani)2013年从温哥华搬到新加坡,那里的外籍人士拥有全世界最慷慨的薪酬。

His firm, a mining company, gave him a housing allowance and generous salary that enabled his family to afford live-in help. But after two years of a high-flying lifestyle that involved travel all over Asia, the novelty of his increased wealth started to wear off.

他所在的那家采矿公司为他提供了住房补贴和丰厚的薪水,让他们家可以聘请保姆。但在经历了两年空中飞人的生活,飞遍了亚洲各地之后,财富增长带来的新奇感开始淡化。

Lessani, his wife and their son eventually moved to Perth, Western Australia in 2015 and they’re much happier. They now have less disposable income but Lessani has found a better professional fit.

莱萨尼和他的妻儿最终于2015年搬到了西澳大利亚的珀斯,幸福感也大为提升。他们现在的可支配收入虽然有所减少,但莱萨尼找到了更适合自己的职业状态。

“I pay much higher taxes, and we can’t afford live-in help for my son here or to go out for dinner all of the time,” he says. “But this just works better for us.”

"我缴的税变多了,也请不起保姆了,而且不能每天都出去吃饭。"他说,"但这确实更适合我。"

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