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.
A self-employed person ("SEP") is a person who earns income from the production of or trade in goods or services in a capacity other than an employee. If you are a sole-proprietor of or partner in a business, you are regarded as an SEP under the MPF System. If you are an SEP at least 18 but under 65 years of age, you have the legal obligation to enroll yourself into an MPF scheme.
For enrolment, please download the complete BCT (MPF) Pro Choice Information Kits – Self-employed Person, and read our Offering Documents before enroll.
BCT (MPF) Pro Choice Information Kit (Self-Employed):
‧ MPF Scheme Brochure : BCT (MPF) Pro Choice
‧ Product Summary
‧ Company Leaflet
‧ Application Form - Self-employed Person (Master Trust Scheme - BCT (MPF) Pro Choice) [AP(SEP)–MT]
‧ Scheme Member’s Request for Account Consolidation Form (For Consolidating Multiple Personal Accounts into One Account) [MPF(S)-P(C)]
‧ Request for Fund Transfer Form (For self-employed person, personal account holder or employee ceasing employment) and Statement of Authentication[RFT(MEM)]
Casual Employee
A “causal employee account” is an MPF account of which the primarily mandatory contributions are paid in respect of any person who works in the construction industry or the catering industry on a day-to-day basis, or for a fixed period of less than 60 days.
Just a few steps to join us:
Step 1
Receive Form
You will receive an Enrolment Form from your employer, or you may download it here.
Step 2
Submission
Submit the completed enrolment form to BCT with a copy of your HKID Card / Passport
Once BCT receives your Enrolment Form, we will send you the following:
You will receive an enrolment form from your employer. You may also download the complete BCT (MPF) Pro Choice Information Kits - Regular Employee and read our Offering Documents before enroll.
BCT (MPF) Pro Choice Information Kit (Regular Employee):
‧ MPF Scheme Brochure : BCT (MPF) Pro Choice
‧ Product Summary
‧ Company Leaflet
‧ Member Enrolment Form (Master Trust Scheme – BCT (MPF) Pro Choice) [AP(REE)–MT]
‧ Scheme Member's Request for Account Consolidation Form (For Consolidating Multiple Personal Accounts into One Account) [MPF(S)-P(C)]
‧ Request for Fund Transfer Form (For self-employed person, personal account holder or employee ceasing employment) and Statement of Authentication[RFT(MEM)]
Step 2
Selection
The investment choice you make should be based on your individual circumstances.
A Personal Identification Number (PIN), which give you direct access to BCT’s interactive voice response system (IVRS), online account and mobile application services
Personal Account
A “personal account” is an MPF account held under your own name that serves to retain accrued MPF assets derived from your former employments.
Just a few steps to join us:
Step 1
Download and Read
BCT (MPF) Pro Choice Information Kit
Please download the complete Information Kits and read our Offering Documents before enroll.
BCT (MPF) Pro Choice Information Kit (Personal Account):
• MPF Scheme Brochure : BCT (MPF) Pro Choice
• Product Summary
• Company Leaflet
• Personal Account Leaflet
• Application Form – Personal Account Member (Master Trust Scheme – BCT (MPF) Pro Choice) [AP(PM)-MT]
• Request for Fund Transfer Form (For self-employed person, personal account holder or employee ceasing employment) and Statement of Authentication[RFT(MEM)]
• Employee Choice Arrangement ("ECA") – Transfer Election Form and Statement of Authentication[MPF(S)-P(P)]
>• Scheme Member’s Request for Account Consolidation Form (For Consolidating Multiple Personal Accounts into One Account) [MPF(S)-P(C)]
Submit the completed form to BCT together with a copy of your HKID Card / Passport to BCT
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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
