Retirement Planning
                                                               
                                                               

                                                              Way of transfer of your MPF assets to us

                                                              Introduction

                                                              Regular Employee can transfer their MPF assets to BCT through the following ways

                                                              Employee Choice Arrangement
                                                              Employee Choice Arrangement

                                                              You can transfer the employee portion of your mandatory contributions and investment returns held in your contribution account under current employment to a trustee and scheme of your own choice. Such transfers can be carried out in a lump sum, once every calendar year. For the mandatory contributions accrued during employment or self-employment, you can transfer in lump sum at any time.

                                                              For more details, please click here.

                                                              Additional contributions made by Employees

                                                              Easy Gold Plan

                                                              A quality of retirement life is important to you, BCT provides Special Voluntary Contributions and Tax Deductible Voluntary Contributions for your additional protection after retirement with the additional money saved.

                                                              For more details, please click here.

                                                              Account Opening / Transfer Method

                                                              You could either reach the MPF Expert Hotline at 2298 9888, we are glad to assist you for necessary procedures, or try out our first fully electronic MPF account opening and transfer platform via the "MPF eChannel". By following the system instructions, you could complete the forms of personal account opening and consolidate / transfer MPF to BCT in a simple and accurate handling on your own in 3 steps.

                                                              Login “MPF eChannel”

                                                               

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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?
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