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.
We offer two different MPF schemes: BCT (MPF) Pro Choice, a master trust scheme and BCT (MPF) Industry Choice, an industry scheme to cater to different employees in Hong Kong.
Our master trust scheme is aimed towards the general working population while our industry scheme is designed for those working in the catering and construction industries. We strive to be the provider of choice, so our MPF constituent funds available under the 2 MPF schemes are managed by seven independent global investment managers which are carefully selected based on stringent criteria and our members' interests in mind.
1 “Management fees” include trustee, administration and custodian fee, sponsor fee and investment management fee paid to the trustee, administrator, custodian, sponsor and investment manager of a scheme for providing their services to the relevant fund. They are usually charged as a percentage of the net asset value of a fund. In the case of the Core Accumulation Fund and the Age 65 Plus Fund, management fees payable to the parties named above, or their delegates, can only (subject to certain exceptions in the Mandatory Provident Fund Schemes Ordinance) be charged as a percentage of the net asset value of the DIS Fund. These management fees are also subject to a statutory daily limit equivalent to 0.75% per annum of the net asset value of the DIS Fund which applies across both the DIS Fund and its underlying funds.
BCT (MPF) Pro Choice (Master Trust Scheme)
Our MPF Investment Schemes
We offer two different MPF schemes: BCT (MPF) Pro Choice, a master trust scheme and BCT (MPF) Industry Choice, an industry scheme to cater to different employees in Hong Kong.
Our master trust scheme is aimed towards the general working population while our industry scheme is designed for those working in the catering and construction industries. We strive to be the provider of choice, so our MPF constituent funds available under the 2 MPF schemes are managed by seven independent global investment managers which are selected based on stringent criteria and our members’ interests in mind.
Name of Constituent Fund
Investment Manager
Equity Funds
BCT (Pro) China and Hong Kong Equity Fund
Amundi Hong Kong Limited
BCT (Pro) Asian Equity Fund
Amundi Hong Kong Limited
BCT (Pro) European Equity Fund
Amundi Hong Kong Limited
BCT (Pro) Global Equity Fund
Amundi Hong Kong Limited
Equity Funds – Market Tracking Series
BCT (Pro) Hang Seng Index Tracking Fund
Invesco Hong Kong Limited
BCT (Pro) U.S. Equity Fund
Amundi Hong Kong Limited
BCT (Pro) Greater China Equity Fund
CSOP Asset Management Limited
BCT (Pro) World Equity Fund
Amundi Hong Kong Limited
Target Date Mixed Asset Funds
BCT (Pro) SaveEasy 2050 Fund
FIL Investment Management (Hong Kong) Limited
BCT (Pro) SaveEasy 2045 Fund
FIL Investment Management (Hong Kong) Limited
BCT (Pro) SaveEasy 2040 Fund
FIL Investment Management (Hong Kong) Limited
BCT (Pro) SaveEasy 2035 Fund
FIL Investment Management (Hong Kong) Limited
BCT (Pro) SaveEasy 2030 Fund
FIL Investment Management (Hong Kong) Limited
BCT (Pro) SaveEasy 2025 Fund
FIL Investment Management (Hong Kong) Limited
BCT (Pro) SaveEasy 2020 Fund
FIL Investment Management (Hong Kong) Limited
Mixed Asset Funds
BCT (Pro) E90 Mixed Asset Fund
Amundi Hong Kong Limited
BCT (Pro) E70 Mixed Asset Fund
Amundi Hong Kong Limited
BCT (Pro) E50 Mixed Asset Fund
Amundi Hong Kong Limited
BCT (Pro) E30 Mixed Asset Fund
Amundi Hong Kong Limited
BCT (Pro) Flexi Mixed Asset Fund
Allianz Global Investors Asia Pacific Limited
BCT (Pro) Core Accumulation Fund*
Invesco Hong Kong Limited
BCT (Pro) Age 65 Plus Fund*
Invesco Hong Kong Limited
BCT (Pro) Asian Income Retirement Fund
Taikang Asset Management (Hong Kong) Company Limited
1 "Management fees" include trustee, custodian, administrator, investment manager and sponsor of a scheme for providing their services to the relevant funds. They are usually charged as a percentage of the net asset value of a fund. In the case of the Core Accumulation Fund and the Age 65 Plus Fund, management fees payable to the parties named above, or their delegates, can only (subject to certain exceptions in the Mandatory Provident Fund Schemes Ordinance) be charged as a percentage of the net asset value of the DIS Fund. These management fees are also subject to a statutory daily limit equivalent to 0.75% per annum of the net asset value of the DIS Fund which applies across both the DIS Fund and its underlying funds.
2 A fixed investment management fee of up to HK$75,000 per month is charged and paid out of the assets of the BCT (Pro) Hang Seng Index Tracking Fund. The fee is payable on a monthly basis and accrues daily pro-rata to the number of days in a month. The fee is payable to Invesco as the investment manager of the BCT (Pro) Hang Seng Index Tracking Fund for its investment management services including, but not limited to, investing all member and employer contributions to the BCT (Pro) Hang Seng Index Tracking Fund according to the applicable investment guidelines, and the acquisition and disposal of units in the underlying ITCIS.
3 The fee shall be reduced to 1.20% five years prior to reaching the beginning (i.e. 1 January) of the applicable target year.
BCT Premier Pooled ORSO Retirement Plan
Pooled ORSO Retirement Plan
Let us help you get ready for retirement you deserve. The BCT Premier Pooled ORSO Retirement Plan is a pooled investment scheme which allows investors to plan for retirement by investing in a variety of different funds based on their own personal risk tolerances. Our funds are managed by independent fund management companies which have no ties to BCT by way of ownership, so members can be assured that we only have their best interests in mind.
Taikang Asset Management (Hong Kong) Company Limited
Bond Fund
BCT ORSO Global Bond Fund
Amundi Hong Kong Limited
Money Market Fund
BCT ORSO HK Dollar Cash Fund
Allianz Global Investors Asia Pacific Limited
Guaranteed Fund
BCT ORSO Guaranteed Fund
China Life Insurance (Overseas) Company Limited
^Schroders is the manager of the underlying Nominated Fund. As this Portfolio is a feeder fund structure, investment manager at portfolio level is not compulsory.
1 “Management fees” means the total of sponsor, trustee and administration fee, investment management fee and sub-trustee fee (if applicable).
*China Life charges an investment charge which is payable to China Life in arrears at the end of each calendar year. In addition, the following may be deducted from the assets of the China Life Policy: guarantee charge, smoothing provisions, audit fees, legal fees, other disbursements and net investment returns of the China Life Policy. For the avoidance of doubt, the net investment return at the policy level is guaranteed by China Life at the Guaranteed Rate of Return and will not be reduced as a result of such fees or deductions.
Normal 0 0 2 false false false EN-US ZH-TW X-NONE Taikang Asset Management (Hong Kong) Company Limited
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Identify Your Investor Type – Before making any investment decisions, you can complete the risk assessment questionnaire and check your risk tolerance level, according to your retirement goal, income, age and risk appetite.
"BCT iPortfolio" Provides You with Investment Reference – Upon completing the risk assessment questionnaire, “BCT iPortfolio” will show model portfolios suited to investors of different risk levels, to help you make informed investment decisions.
Review Portfolio Regularly – Do the risk assessment questionnaire every year, or when you move to a different life stage, and adjust asset allocation as necessary. If you are a BCT member, you can log into your account and save the assessment result. The system will remind you to do the assessment every year automatically. This makes portfolio review and asset allocation more flexible and easier.
What type of investor are you?
Any investment involves risk and different investors are able to take on different amounts. Depending on your retirement goals, income, age and investing aggressiveness, you’ll fall into one of the following categories. Choose from the best option below
