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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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                                                              Our Products

                                                              BCT offers both a master trust scheme and an industry scheme as our MPF package for Hong Kong's working population as well as our BCT Premier Pooled ORSO Retirement Plan for employers who opt for an ORSO (Occupational Retirement Scheme Ordinance) scheme for their staff.

                                                              Master Trust Scheme

                                                              BCT (MPF) Pro Choice
                                                              BCT (MPF) Pro Choice
                                                              Multiple Fund Managers
                                                              Wide Range of
                                                              Constituent Fund Choices
                                                              Voluntary Contributions

                                                              Multiple Fund Managers

                                                              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 some of the constituent funds, we utilize both active investment strategy and rule-based investment strategy.


                                                              Wide Range of Constituent Fund Choices

                                                              We have 27 constituent funds under 5 constituent fund categories covering a wide range of investment strategies and risk / return profiles.



                                                              Voluntary Contributions

                                                              Employers can enhance employees' retirement benefits by making voluntary contributions in line with the company policies on employee compensation.

                                                              Individual members can make additional voluntary contributions, by joining the special voluntary contributions or tax deductible voluntary contributions. The features of the 2 types of voluntary contributions suits the various financial needs of individual members.

                                                              Please click here to learn more about the product features.

                                                              Industry Scheme

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

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

                                                              Multiple Fund Managers
                                                              Wide Range of
                                                              Constituent Fund Choices
                                                              Voluntary Contributions

                                                              Multiple Fund Managers

                                                              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 some constituent funds, multi-manager investment approach is even adopted whereby more than one investment managers are appointed for the management of a constituent fund. For further details, please refer to the latest MPF Scheme Brochure. 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.



                                                              Wide Range of Constituent Fund Choice

                                                              12 constituent funds under 3 constituent fund categories with different investment objectives and risk / return profiles which offer members more investment choices.



                                                              Voluntary Contributions

                                                              Employers can enhance employees' retirement benefits by making voluntary contributions in line with the company policies on employee compensation.

                                                              Individual members can make additional voluntary contributions by joining the special voluntary contributions or tax deductible voluntary contributions. The features of the 2 types of voluntary contributions suits the various financial needs of individual members.

                                                              Please click here to learn more about the product features.

                                                              BCT Premier Pooled ORSO (Occupational Retirement Schemes Ordinance) Retirement Plan
                                                              Multiple Fund Managers
                                                              Wide Range of Portfolios
                                                              Flexibility

                                                              Multiple Fund Managers

                                                              The BCT Premier Pooled ORSO Retirement Plan offer portfolios managed by different investment managers that are not affiliated with the BCT Group. This enable us to independently appoint investment managers with diverse investment styles and philosophies to be used in our Plan. For further details, please refer to the latest explanatory memorandum. 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.



                                                              Wide Range of Portfolios

                                                              A range of portfolios, including a guaranteed fund, covering a wide spectrum of risk profiles and investment returns.



                                                              Flexibility

                                                              Employers and members can have flexibilities on their investment choice.

                                                              Contact Us
                                                              Contact Us

                                                              If you would like to contact us about our products & services, please contact us using the following info:


                                                              Member Hotline
                                                              2298 9333
                                                              Employer Hotline
                                                              2298 9388

                                                               

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