The latest "Notice to Participating Employers and Employees" is now available for download. For details, please click on the links below.
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Login
- Home
- About BCT
- What's New
- Retirement Planning
- MPF/ORSO
- Asset Servicing
- Support
- Contact Us
- Career@BCT
- Important Notes
- Search
- Page not found
- BCT's Agent
- Information Kits - PA
- Information Kits - SEP
- Information Kits - ER
- Information Kits - EE
- Agent Corner - BCT News
- Sales-kit
- enroll(eng)
- enroll(chi)
- Agent Corner - Client Promotion
- Mobile Push Notification
- Resources Center
- BCT Smart Assistant
- Our Group
- MD&CEO Message
- History and Milestones
- Sustainability and ESG
- Our Business
- Awards and Recognition
- Latest News
- Asian Income Retirement Fund
- About the Abolition of the Arrangement of Using MPF to Offset Long Service Payments and Severance Payments
- Existing Practice (Before the Eventual Implementation of the Abolition of the MPF Offsetting Arrangement in 2025)
- New Practice When the Abolition of the MPF Offsetting Arrangement is in Force
- About 2022 Employment Support Scheme
- Automatic Exchange of Financial Account Information (AEOI)
- Tax Deductible Voluntary Contributions (TVC)
- Default Investment Strategy (DIS)
- Publications
- Members Zone
- Introduction
- Retirement Planning Website - Step Up with BCT
- Asset Allocation in 3 Steps
- Retirement Calculator
- Risk Assessment (Mobile App Version)
- Introduction
- Employer
- How to select your provider
- How to transfer your MPF asset to BCT
- How to administer your MPF plan
- How to take care of your employees' needs
- Employee / Self-employed
- How to select your provider
- How to transfer your MPF asset to BCT
- How to manage your account
- Tips for you
- Fund Information
- Investment Views from Managers
- Forms
- Tools and Demos
- Contribution Computation Tool (First Contribution of Regular Employee)
- Contribution Computation Tool (Casual Employee)
- Sitemap
Retirement Planning
Disclaimer
Our on-line “Retirement Planning” is comprised of two parts: (1) “Risk Assessment” and (2) “Retirement Calculator”.
The results generated by these tools have used certain assumptions and therefore are for reference only. The results also do not constitute any advice, recommendation, solicitation or invitation for investments and are not intended as substitutes for professional advice. Please consult your own independent legal, tax or financial advisor before making any investment decision. BCT does not warrant the adequacy, accuracy, reliability or completeness of the information and results obtained from the on-line “Retirement Planning” platform and shall not be liable for the consequence of any decision or action taken upon.
In relation to the Retirement Calculator, you should particularly note that:
- The Retirement Calculator is not intended to forecast or estimate the current or future actual investment classes or assets of your portfolio (or any specific asset allocation), or the actual statistical income value. In addition, the Retirement Calculator shall not be used as the key basis of any investment or tax planning decision. The Retirement Calculator does not make any tax assumptions and all analytical results are stated in gross value (pre-tax). The calculation and analytical results of the Retirement Calculator are intended to provide an overview of the performance of the selected portfolio only. The Retirement Calculator assumes that the investment allocation of each asset class is in line with that of a certain market index. All calculations are based on assumptions only and will not affect the actual performance of your account.
- The analysis is intended as a reference to help you assess the requirement of your future retirement income. The actual investment return will be net of charges or fees and the assumptions do not reflect such charges or fees. The return is also subject to taxation.
- Data input into to the Retirement Calculator are for research and portfolio construction purposes only, and will not be stored in or provided to any planning tools or calculators of BCT Group for future use.
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- Notice to Participating Employers and Employees
Retirement Calculator
Are you on the right path for retirement?
No matter your age, it is always wise to ensure you are well-prepared for retirement. Use our retirement calculator to find out how much you need to live the retirement you want and how to get there.
Part 1/4
Retirement Expenses
Current monthly expenses
(Alternatively, you may input a number)
Current Monthly Expenses
We apply a 70% replacement ratio for post-retirement spending as market consensus believes most people need approximately 70% of their current spending to maintain reasonable post-retirement living standards. Therefore, in this retirement calculator, “Monthly income required at retirement” equals to 70% of the “Current monthly expenses” regardless of inflation impact. “Current monthly expenses” is also used for calculating “Total required at retirement”, but not used for calculating “Total available at retirement”.
Part 2/4
Your Age & Gender
Current Age
Planned Retirement Age
Your Gender
Part 3/4
My MPF/ORSO Related Investment
Current MPF/ORSO account balance
Monthly mandatory and voluntary MPF/ORSO contributions
Employee's monthly SVC
Expected annual MPF/ORSO return before retirement
Expected annual inflation rate
Expected annual return after retirement
Special Voluntary Contribution (SVC)
A fixed amount contributed to MPF account in addition to mandatory and any voluntary contributions.
SVC are paid directly by the employee to trustee without going through the employer. Making contribution and withdrawing accrued benefits are neither tied to employment nor subject to preservation requirements.
Expected annual MPF/ORSO return
The default return is based on the average of the 3-year annualized return of BCT’s constituent funds under respective risk category that matches the result of the questionnaire. If the result of the questionnaire is risk category 4, then the default return is the average of the 3-year annualized return of BCT’s constituent funds under risk category 4.
Part 4/4
My Personal Investment
Total current personal investments
Expected annual return for personal investments
Life Expectancy
Life expectancy at birth for male in 2017: 81.5 years
Life expectancy at birth for female in 2017: 87.5 years
Source: Census and Statistics Department, data as of 30th September 2017
Retirement Wealth Path
-
Projected retirement fund balance -
Required retirement fund balance
Total Assets
Monthly Income
Total Assets
Total available at
retirement
Total required at
retirement
Monthly Income
Monthly income
available at retirement
Monthly income
required at retirement
You can adjust any fields and re-calculate.
Monthly mandatory and voluntary MPF/ORSO contributions
Expected annual MPF/ORSO return before retirement
Planned retirement age
Current monthly expenses
Expected annual inflation rate
Expected annual return after retirement
Please call BCT Hotline at 2298 9381 for enquiries.
Retirement Calculator - Disclaimer
PLEASE READ THE FOLLOWING CAREFULLY BEFORE USING THIS WEBSITE
By accessing or downloading any materials from this website, you agree to be bound by the following terms and conditions. If you do not agree to the same, please do not use this website or download any materials from it.
Availability of Printed Copies of Principal Brochures & Explanatory Memorandum
Should you want to obtain printed copies of the principal brochure of the BCT (MPF) Pro Choice / the BCT (MPF) Industry Choice, and/ or the Explanatory Memorandum of the BCT Premier Pooled ORSO Retirement Plan, please contact us:
Member Hotline 2298-9333
Employer Hotline 2298-9388
Licence
All rights reserved. Information and materials contained in this website may not be copied, reproduced or transmitted without the written permission of Bank Consortium Trust Company Limited (BCTC).
You may download information and materials contained in this website only on a single computer for your personal, internal and non-commercial use. You should not amend, alter, make addition to or deletion of the information and materials or use them for any commercial purposes, including, but not limited to, any sale or rental or public display of the same. You agree to prevent any unauthorised copying and / or transferring of the information and materials.
BCTC retains the sole and absolute right, at any time, to terminate this licence if you are in breach of the terms and conditions stated herein.
Information and Materials
BCTC may, at any time and without notice, at its sole and absolute discretion, amend, alter, make addition or deletion to the information and materials contained in this website.
Disclaimer
Users should be aware that transactions over the internet may be subject to interruption, transmission blackout, delayed transmission due to internet traffic or incorrect data transmission due to the public nature of the internet. BCTC does not represent or warrant that access to this website will be uninterrupted and that there will be no delays, errors, failures or loss of any information transmitted to and from this website.
All information and materials contained in this website are provided solely for information purposes only and should not be treated as an offer or solicitation of any investments products or services. Further, BCTC's products and services are only available in the jurisdictions where they may lawfully be offered for sale. For the avoidance of doubt, all information and materials contained in this website should not be treated as an offer or solicitation of any investments products or services to any person in any country where it is unlawful to make such an offer or solicitation.
The information and materials contained in this website are provided "as is" and on "as available" basis without any express or implied warranties of any kind including warranties of merchantability, non-infringement of intellectual property rights, fitness for particular purpose or absence of computer viruses. Any software downloaded from this website is downloaded at the user's own risk.
Without limiting the generality of the foregoing, BCTC does not represent or warrant the accuracy, adequacy or completeness of the information and materials contained in this website and expressly disclaim any liability for any errors or omissions in such information and materials. The information and materials contained in this website are not intended to be treated as professional advice in whatever nature and should not be relied upon as such. Persons accessing this website are advised to obtain appropriate independent professional advice, if needed.
In no event shall BCTC, its group of companies, their shareholders, directors, employees or agents be liable to any person for any direct, indirect or consequential loss or damages in whatever nature arising from such persons' use of this website.
Unless otherwise specified, information and materials provided in other websites which BCTC offers a hyperlink do not necessarily represent BCTC's standpoint. Further, BCTC is not responsible for and is not liable to the contents available on any hyper-linked websites and access to and use of which is at the user's own risk.
These terms and conditions are governed by the laws of Hong Kong Special Administrative Region and any dispute shall be subject to the non-exclusive jurisdiction of the Courts of Hong Kong Special Administrative Region.
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BCT Financial Limited 銀聯金融有限公司Bank Consortium Trust Company Limited 銀聯信託有限公司
18/F Cosco Tower, 183 Queen’s Road Central, Hong Kong 香港皇后大道183號中遠大廈18樓
Tel 電話 2298 9800 Fax 傳真 2520 0303 www.bcthk.com
Annual Inflation Rate
3.12% per annum, based on the average composite consumer price index since 2017.
Source: BCT Financial Limited, Census and Statistics Department, data as of 31st Dec 2017
Current Monthly Expenses
We apply a 70% replacement ratio for post-retirement spending as market consensus believes most people need approximately 70% of their current spending to maintain reasonable post-retirement living standards. Therefore, in this retirement calculator, “Monthly income required at retirement” equals to 70% of the “Current monthly expenses” regardless of inflation impact. “Current monthly expenses” is also used for calculating “Total required at retirement”, but not used for calculating “Total available at retirement”.
