MPF/ORSO
                                                               
                                                               

                                                              Employer

                                                              MPF ePlatform
                                                              Seamless & Innovative eJourney

                                                              BCT ePlatform enhances employer services and makes your daily administration easier. MACY, smart assistant is here to answer your enquiries anytime, anywhere. Click here to view the eJourney@BCT at a glance.

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                                                              Register with BCT Daily Administration Daily Management
                                                              Register with BCT


                                                              Join BCT: Open BCT account

                                                              Obtain BCT account opening details via website, email or MACY, your 24x7 smart assistant
                                                              Learn more

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                                                              Employee Registration: eEnrolment

                                                              Online enroll employees paperlessly
                                                              Learn more

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                                                              Model Portfolio for Employees: BCT iPortfolio

                                                              Help employees make investment choice with reference to model portfolio after completing an online risk assessment
                                                              Learn more

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                                                              Start Contributions for Employees: Contribution Computation Tool

                                                              Effortlessly calculate the first MPF contributions for your employees
                                                              Learn more: Regular employee | Casual employee

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                                                              HR Solution: Flexi2 / ePartner

                                                              Manage MPF contributions, payroll, taxation and leave records via a selected single platform

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                                                              Contribution Form Preparation: C-online / Excel MPF Calculator

                                                              Make contributions via C-online or prepare your completed remittance statements using MPF Calculator and upload directly to Employer Website
                                                              Learn more

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                                                              Make Contributions: DDA / PPS

                                                              Use a variety of digital contribution payment methods
                                                              Learn more

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                                                              Check Account Status: All-round Employer Website

                                                              Check contribution receipts, contribution details and employee status at a glance
                                                              Login here

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                                                              What's New: SMS, email

                                                              Subscribe with mobile number or email to receive the latest news and contribution reminder
                                                              Subscribe here

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                                                              Termination of Employee: Online Submission

                                                              Upload employee termination notice to Employer Website or submit via C-online
                                                              Login here

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                                                              Member / Self-employed

                                                              MPF ePlatform
                                                              One-stop eExperience and take control of your future

                                                              BCT ePlatform helps you manage, check and consolidate MPF accounts at your fingertips. Click here to view the eJourney@BCT at a Glance

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                                                              Well Planning Easy Operation Self Management
                                                              Well Planning


                                                              Fund Information

                                                              Check fund information and performance and learn the available investment solutions
                                                              Click here for the Fund Information

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                                                              Smart Assistant

                                                              MACY, is here to answer you right away 24x7, and solve your enquiries anytime, anywhere
                                                              Click the MACY icon at the bottom right corner to start the conversation

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                                                              BCT iPortfolio

                                                              Take a simple questionnaire to understand your risk tolerance level and make an informed investment decision with reference to model portfolio

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                                                              MPF eChannel

                                                              Open a Tax Deductible Voluntary Contributions account, or consolidate MPF accounts yourself at your own time and space

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                                                              BCT MPF APP

                                                              Set up fund price alerts and receive fund performance and the latest information
                                                              Click here to download the APP

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                                                              Biometric Factor Login

                                                              Log into ePlatforms faster, safer and more convenient without the need to memorize or store your password

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                                                              Subscribe to eNotice

                                                              Receive “MPF Annual Benefit Statement” and other important notices electronically, Click here and subscribe to eNotice service in 3 simple steps: Login → “My BCT” → “Set up e-service”

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                                                              Account Balance SMS

                                                              Get hold of the latest status of your account regularly

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                                                              Change of Investment Mandate / Fund Switching

                                                              Any instruction made before 4pm will be settled at the fund price of that day, allowing you to respond to the market changes

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                                                              Real-time Account Review

                                                              Review account balance and asset allocation, and let you manage your wealth for the future Click here to login member account

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                                                              How to select your provider 5 major factors to consider

                                                              Trusted Partner
                                                              Fund Choice
                                                              Fund Performance
                                                              Fee
                                                              Service for Employers and Members
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                                                              How trustworthy is your MPF/ORSO provider?
                                                              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.

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                                                              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?
                                                              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.

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                                                              Are you satisfied with your existing MPF fund performance?
                                                              Fund Performance

                                                              Fund Performance

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

                                                              How can BCT help? Replay
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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.

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                                                              Are you satisfied with the existing fees and charges of your MPF scheme(s)?
                                                              Do they provide value-for-money?
                                                              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.

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                                                              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

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                                                              Are you satisfied with the service of your current MPF/ORSO provider?
                                                              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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