Retirement Planning
                                                               
                                                               

                                                              Why BCT

                                                               

                                                              Bringing Value
                                                              Connectivity
                                                              Trusted

                                                              Bringing Value

                                                              BCT is committed to offering quality products and professional services. Leveraging global fund management expertise from world-class investment managers, BCT provides a full range of fund choices to enable you to construct a portfolio that best meets your needs and your investment style.

                                                              To help employers administer MPF accounts, we provide several free tools to help prepare MPF remittance statements, including C-Online, Flexi2 software, the BCT MPF Calculator (for Regular Employee) and the BCT MPF Calculator (for Casual Employee). In addition, we also provide members with comprehensive solutions for managing their MPF account, including our online platform, one-stop Call Centre service, investor education and value added services.


                                                              Connectivity

                                                              To ensure a seamless customer experience, BCT connects with employers and members through a variety of different channels. Apart from software tools, we offer a full range of value added services to support both employers and members in managing the MPF accounts across the following channels:

                                                              Connectivity
                                                              Connectivity
                                                              Connectivity
                                                              Connectivity
                                                               

                                                              We are attuned to our customers’ needs and take it one step further to understand their needs for building long-term relationship.


                                                              Trusted

                                                              A solid infrastructure, spirit of innovation, state-of-the-art systems and responsible corporate governance are among some of BCT's strengths. As a leading MPF service provider, BCT offers a full range of pension products, including two types of MPF (master trust scheme and industry scheme) and ORSO schemes (pooled and independent schemes).

                                                              With backing from 8 financial institutions, BCT provides one of the largest shareholder branch networks, which constitute more than 300 branches in Hong Kong. We also have 350 experienced pension specialists to help whenever our members need it.

                                                              The drive to provide the finest products and services has led BCT to become well-recognised within the pension industry. See our awards and accolades here.

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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
                                                              Assets and Liabilities
                                                              Net Asset
                                                              (Total asset - Total liability (including mortgage))
                                                              Negative HK$0 to 1 mn More than HK$1 mn to 3 mn More than HK$3 mn to 5 mn More than HK$5 mn to 10 mn More than HK $10 mn
                                                              Saving Ratio
                                                              (Saving amount / Monthly income)
                                                              0% > 0% - 5% > 5% - 10% > 10% - 15% > 15% - 20% > 20%
                                                              Investment Objective
                                                              Investment Experience
                                                              Risk Profiling Questionnaire
                                                              Your Risk Level is
                                                              DOWNLOAD

                                                              Please login to the Member Web / Mobile App immediately to save your current risk assessment result.

                                                              OK

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                                                              Interested to know more?
                                                              Want to learn more about the fund that fit your risk level?