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                                                              Important Notes

                                                              Please scroll down to read through the important notes and then click "I have read and understood" to proceed.

                                                              BCT (MPF) Pro Choice and BCT (MPF) Industry Choice

                                                              • You should consider your own risk tolerance level and financial circumstances before making any investment choices or investing according to the Default Investment Strategy. When, in your selection of funds or the Default Investment Strategy, you are in doubt as to whether a certain fund or the Default Investment Strategy is suitable for you (including whether it is consistent with your investment objective), you should seek financial and / or professional advice and choose the investment choice(s) most suitable for you taking into account your circumstances.
                                                              • In the event that you do not make any investment choices, please be reminded that your contributions made and / or accrued benefits transferred into the Plan will be invested in accordance with the Default Investment Strategy, which may not necessarily be suitable for you.
                                                              • Your investment decision should not be based on this website alone. Please read the MPF Scheme brochures of BCT (MPF) Pro Choice and BCT (MPF) Industry Choice for further details, including the risk factors.
                                                              • BCT (Pro) MPF Conservative Fund and BCT (Industry) MPF Conservative Fund of the relevant schemes do not guarantee the repayment of capital.
                                                              • Members should note that BCT (Pro) Asian Income Retirement Fund does not provide any guarantee on capital or investment return or dividend yield, and their investments therein (including dividends distributed) are subject to the same vesting, preservation and withdrawal requirements applicable to mandatory and voluntary contributions (as applicable). The BCT (Pro) Asian Income Retirement Fund may pay dividends out of net distributable income and/or capital, which will result in an immediate decrease or adjustment in the net asset value per unit. The payment of dividends (if any) will involve an investment time-lag and is subject to out-of-market risk. There is no assurance on the dividend distribution frequency and the dividend amount/yield may fluctuate.
                                                              • Members should note that the regular and frequent distribution of dividends and reinvestment of dividends will inevitably involve an investment time-lag during which dividends are not reinvested and are subject to out-of-market risk on a recurring basis (currently, on a monthly basis). During the period pending reinvestment, the net asset value per unit of the relevant constituent fund (i.e. BCT (Pro) Asian Income Retirement Fund for members below the age of 65, or the Age 65 Plus Fund for members who have reached the age of 65) into which dividends are reinvested may have gone up or down, and accordingly the members’ investment return may be impacted negatively or positively. Therefore the investment return for these members may deviate from that derived from a constituent fund with a similar investment portfolio without such arrangement, meaning that the dividend distribution arrangement of BCT (Pro) Asian Income Retirement Fund may not always be advantageous to these members. 
                                                              • Members should note that BCT (Pro) Asian Income Retirement Fund does not provide any guarantee on the capital or investment return or dividend amount / yield. There is no assurance on the dividend distribution frequency and the dividend amount / yield may fluctuate.
                                                              • Members should note that investment markets could fluctuate significantly. Fund prices may go down as well as up. There is no guarantee that, given the time required to implement fund switching instructions, such instructions will achieve your desired results. Please carefully consider your own risk tolerance level and financial circumstances (as well as your own retirement plan) before making any investment choices. If in doubt, please contact your independent financial advisor for further details.

                                                              BCT Premier Pooled ORSO Retirement Plan

                                                              • You should consider your own risk tolerance level and financial circumstances before making any investment choices. When, in your selection of funds, you are in doubt as to whether a certain fund is suitable for you (including whether it is consistent with your investment objectives), you should seek financial and / or professional advice and choose the fund(s) most suitable for you taking into account your circumstances.
                                                              • Your investment decision should not be based on this website alone. Please read the explanatory memorandum of the Plan for further details, including the risk factors.
                                                              • BCT ORSO Guaranteed Fund under the Plan invests solely in an insurance policy issued by China Life Insurance (Overseas) Company Limited ("China Life"). China Life is the guarantor of the policy. Your investments in BCT ORSO Guaranteed Fund, if any, are therefore subject to the credit risk of China Life. Please refer to part IV of the Explanatory Memorandum for details of the credit risk, guarantee features and guarantee conditions.
                                                              • Members should note that BCT ORSO Asian Income Retirement Fund does not provide any guarantee on capital or investment return or dividend yield. The BCT ORSO Asian Income Retirement Fund may pay dividends out of net distributable income and/or capital, which will result in an immediate decrease or adjustment in the net asset value of the portfolio. The payment of dividends (if any) will involve an investment time-lag and is subject to out-of-market risk. There is no assurance on the dividend distribution frequency and the dividend amount/yield may fluctuate.
                                                              • Members should note that the regular and frequent distribution of dividends and reinvestment of dividends will inevitably involve an investment time-lag during which dividends are not reinvested and are subject to out-of-market risk on a recurring basis (currently, on a monthly basis). During the period pending reinvestment, the net asset value per unit of the relevant constituent fund (i.e. BCT ORSO Asian Income Retirement Fund for members below the age of 65, or the Age 65 Plus Fund for members who have reached the age of 65) into which dividends are reinvested may have gone up or down, and accordingly the members’ investment return may be impacted negatively or positively. Therefore the investment return for these members may deviate from that derived from a constituent fund with a similar investment portfolio without such arrangement, meaning that the dividend distribution arrangement of BCT ORSO Asian Income Retirement Fund may not always be advantageous to these members.
                                                              • Members should note that BCT ORSO Asian Income Retirement Fund does not provide any guarantee on the capital or investment return or dividend amount / yield. There is no assurance on the dividend distribution frequency and the dividend amount / yield may fluctuate.

                                                              Unless otherwise specified, the term “BCT” referred to in this website shall mean BCT Financial Limited (Plan Sponsor) and Bank Consortium Trust Company Limited (Trustee & Administrator)

                                                              This website is issued by BCT Financial Limited.

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                                                              5. How to select your provider
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                                                              7. Notice to Participating Employers and Employees
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                                                              Notice to Participating Employers and Employees

                                                              The latest "Notice to Participating Employers and Employees" is now available for download. For details, please click on the links below.

                                                              How to select your provider 5 major factors to consider

                                                              Trusted Partner
                                                              Fund Choice
                                                              Fund Performance
                                                              Fee
                                                              Service for Employers and Members
                                                              1
                                                              How trustworthy is your MPF/ORSO provider?
                                                              A
                                                              Very trustworthy
                                                              B
                                                              Somewhat trustworthy
                                                              C
                                                              Not trustworthy
                                                              Trusted Partner

                                                              Trusted Partner

                                                              A trusting partnership with the right MPF/ORSO provider is important for every employer. The right partner can provide you with quality products, trusted care, and professional services. With a good business partner, you can rely on their expertise while you focus on managing your business.

                                                              How can BCT help? Replay
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                                                              BCT is your
                                                              Trusted Partner

                                                              Solid Backing
                                                              Sound Background

                                                              With sound background from 8 established financial institutions, BCT focuses on offering MPF and ORSO services to help employers plan their employee benefits.

                                                              Experienced Pension Experts
                                                              Pension Specialists

                                                              Over 360 pension professionals focused on the provision and servicing of pension and investment funds.

                                                              Replay
                                                              2
                                                              You should consider whether your provider has sufficient constituent fund choices to cater to your employees' needs.
                                                              How many constituent funds does your existing MPF provider offer to your employees?
                                                              A
                                                              5 - 10
                                                              B
                                                              11 - 15
                                                              C
                                                              16 - 20
                                                              Fund Choice

                                                              Fund Choice

                                                              Diversified constituent fund choices are important because different life stages, risk tolerance levels and financial situations require different types of portfolios in order to achieve the retirement goals of your employees.

                                                              How can BCT help? Replay
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                                                              Our MPF schemes have a wide range of constituent funds^

                                                              A Wide Range of Funds

                                                              Our MPF schemes offer constituent funds managed by different investment managers that are not affiliated with the BCT Group. This enables us to independently appoint investment managers with diverse investment styles and philosophies to be used in our schemes. For further details, please refer to the latest principal brochure. As of today, 8 fund managers have been engaged to help managing your MPF. Overall speaking, the use of multiple fund managers allows us to focus on, among others, the service quality of the fund managers through our selection and monitoring process and provides us with the flexibility to replace fund managers independently.

                                                              ^ BCT offers 2 MPF schemes, namely, BCT MPF (Pro) Choice and BCT (MPF) Industry Choice which offer a wide range of constituent funds.

                                                              BCT (MPF) Pro Choice
                                                              BCT (MPF) Pro Choice

                                                              BCT (MPF) Pro Choice has 5 constituent fund categories which provides 23 constituent funds covering a wide spectrum of risk.

                                                              • Equity Funds
                                                              • Equity Funds - Market Tracking Series
                                                              • Target Date Mixed Asset Funds
                                                              • Mixed Asset Funds
                                                              • Bond / Money Market Funds

                                                              Target Date Mixed Asset Funds - We are one of the first MPF providers to launch the SaveEasy Fund Series. The SaveEasy Funds are designed to shift their underlying investments from equities towards a greater exposure to bonds and cash as the relevant SaveEasy Fund gets closer to its particular target year. Please refer to Principal Brochure for more details.

                                                              In addition, our Equity Funds - Market Tracking Series consists of three constituent funds. Each constituent fund invests in one or more "Index Tracking Collective Investment Scheme (ITCIS)". All three constituent funds under this series are classified as "Low Fee Fund" (Fund Expense Ratio ≤1.3% or Management Fee ≤1%) as defined by the MPFA.

                                                              BCT (MPF) Industry Choice
                                                              BCT (MPF) Industry Choice

                                                              BCT (MPF) Industry Choice has 3 constituent fund categories which provides 12 constituent funds covering a wide spectrum of risk.

                                                              • Equity Funds
                                                              • Mixed Asset Funds
                                                              • Bond / Money Market Funds

                                                              BCT (MPF) Industry Choice is created specifically for those working in the catering and construction industries.

                                                              Replay
                                                              3
                                                              Are you satisfied with your existing MPF fund performance?
                                                              A
                                                              Yes
                                                              B
                                                              Somewhat
                                                              C
                                                              No
                                                              Fund Performance

                                                              Fund Performance

                                                              A stable and consistent investment return can help members accumulate and grow their MPF asset for a quality retirement life.

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                                                              Professionally Managed Constituent Funds

                                                              BCT has Funds are well-managed

                                                              BCT engages different fund managers and selects the most appropriate fund manager(s) for each asset class based on their expertise and a set of criteria.

                                                              Fund Performance

                                                              HKIFA website: http://www.hkifa.org.hk/eng/Fund-Performance-MPF.aspx

                                                              Replay
                                                              4
                                                              Are you satisfied with the existing fees and charges of your MPF scheme(s)?
                                                              Do they provide value-for-money?
                                                              A
                                                              Satisfied
                                                              B
                                                              Fair
                                                              C
                                                              Not Satisfied
                                                              Competitive Fee

                                                              Fee

                                                              Fees directly affect investment returns. It is an important factor to consider when making fund choices.

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                                                              Fees under BCT's MPF Scheme

                                                              Reasonable Fees
                                                              Fees

                                                              BCT reviews the operating efficiency of its constituent funds on an ongoing basis and sets our fees at an appropriate level with an aim to deliver value for our members.


                                                              BCT (MPF) Pro Choice

                                                              Management fees of constituent funds range from 0.75% - 1.50% per annum of net asset value.

                                                              More Info BCT (MPF) Industry Choice

                                                              Management fees of constituent funds range from 0.75% - 1.6% per annum of net asset value.

                                                              More Info
                                                              Special Management Fees
                                                              Effective Management Fees*

                                                              General Personal Accounts
                                                              For Personal Accounts except members who have retired, we offer special management fees ranging from 0.75% - 1.38% per annum of net asset value of constituent funds under the Personal Account.

                                                              More Info

                                                              Special Voluntary Contributions Account and Tax Deductible Voluntary Contributions Account
                                                              Management fees of the constituent funds range from 0.75%-0.99% per annum of net asset value of constituent funds.


                                                              More Info

                                                              Retirees’ Personal Accounts
                                                              For Personal Account members who have retired: 0.59% - 0.99% per annum of net asset value depending on constituent fund chosen under the Personal Account.

                                                              Learn more about MPF fees and charges:

                                                              MPFA website: http://cplatform.mpfa.org.hk/MPFA/english/index.jsp

                                                              Replay
                                                              5
                                                              Are you satisfied with the service of your current MPF/ORSO provider?
                                                              A
                                                              Satisfied
                                                              B
                                                              Fair
                                                              C
                                                              Not Satisfied
                                                              Service for Employers and Members

                                                              Service for Employers and Members

                                                              It is important for an MPF / ORSO provider to offer a complete solution to employers so that you can focus on your business without worrying about pension administration.

                                                              How can BCT help? Replay
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                                                              BCT's
                                                              Service for Employers and Members

                                                              Supporting Tools
                                                              Supporting Tools

                                                              Make use of the free software (C-Online, Flexi2 software, BCT MPF calculators and Auto-Bill) we offer to employers to help you manage MPF administration with greater ease.

                                                              Tools & Demos
                                                              Various Payment Methods
                                                              Various Payment Methods

                                                              Settle MPF/ ORSO payments via PPS, direct debit, direct transfer, cash or cheque. You can also visit a branch of BCT's Servicing Banks* to settle the payment.

                                                              Secured Website
                                                              Secured Website

                                                              View your employees information and contribution online.

                                                              Communication and Publications
                                                              Communication and Publications

                                                              Employer hotline and newsletter

                                                              *Public Bank (Hong Kong), Chong Hing Bank, Dah Sing Bank, Fubon Bank, ICBC (Asia), OCBC Wing Hang, Shanghai Commercial Bank and Wing Lung Bank

                                                              We Care We Serve

                                                              BCT's MPF administration and member services are well-recognised within the industry. See our Awards here. We care about your employees and provide a variety of services to help them manage their MPF accounts:

                                                              Online Platform
                                                              One-stop Contact Centre Service
                                                              Investor Education
                                                              Value Added Services
                                                              Communication, Publications
                                                              Online Platform
                                                              • Our Online Platform includes website, mobile applications, MPF eChannel, Social Media (Facebook and Youtube).
                                                              • Manage your MPF account for fund switching, change of investment mandate, MPF account balance of showing the gain and loss, and keep up-to-date with the latest news online.
                                                              One-stop Contact Centre Service
                                                              • A 24-hour interactive voice response system (IVRS) is available for you to manage your MPF.
                                                              • Our professional team can help you handle any enquiries about your MPF account.
                                                              • BCT's Contact Centre received numerous service awards for our outstanding customer service. Learn more
                                                              • Counter service is also available at BCT office. You can visit us during 9:00am - 6:00pm (Monday to Friday) at 18/F Cosco Tower, 183 Queen's Road Central, Hong Kong.
                                                              Investor Education
                                                              Value Added Services
                                                              Investment Planning Service (IPS)

                                                              Our Investment Planning Service helps members gain a better understanding of their investment goals and risk levels in order to make informed investment decisions. This service does not only cover MPF investments but also other fund ranges such as Collective Investment Scheme (CIS). Through one-on-one consultations, members can find the most suitable funds based on their investment goals.

                                                              Learn more
                                                              Retirement Planning Service (RPS)

                                                              Our Retirement Planning Service is aimed at assisting members to plan for retirement. Our experts will help members to get prepared for their retirement in financial, social as well as psychological aspects. Through this service, members will enjoy special management fee rates while being able to withdraw funds in phases.

                                                              Learn more
                                                              Communication and Publications
                                                              • Monthly MPF Account Balance via SMS and SMS notification of receipt of asset transfer-in, fund switching and change of investment mandate
                                                              • Investment Market Outlook
                                                              • e-statement
                                                              • Monthly performance table and quarterly fund performance fact sheet
                                                              • Members' newsletter and BCT e-News
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                                                              BCT eChannel Side Square 254x254 en