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.
You should consider your own risk tolerance level and financial circumstances before making any investment choices or investing according to the Default Investment Strategy. When, in your selection of funds or the Default Investment Strategy, you are in doubt as to whether a certain fund or the Default Investment Strategy is suitable for you (including whether it is consistent with your investment objective), you should seek financial and/ or professional advice and choose the investment choice(s) most suitable for you taking into account your circumstances.
In the event that you do not make any investment choices, please be reminded that your contributions made and/ or accrued benefits transferred into the Plan will be invested in accordance with the Default Investment Strategy, which may not necessarily be suitable for you.
Members should note that BCT (Pro) Asian lncome Retirement Fund does not provide any guarantee on capital or investment return or dividend yield. The fund may pay dividends out of net distributable income and/or capital, which will result in an immediate decrease or adjustment in the net asset value per unit of the fund. The payment of dividends (if any) will involve an investment time-lag and is subject to out-of-market risk. There is no assurance on the dividend distribution frequency and the dividend amount/yield may fluctuate.
Investments in the Fund (including dividends distributed) are subject to the same vesting, preservation and withdrawal requirements applicable to mandatory and voluntary contributions (as applicable).
Your investment decision should not be based on this document alone. Please read the MPF Scheme Brochure for BCT (MPF) Pro Choice for further details including the risk factors.
Investment involves risks. Past performance is not indicative of future performance. The price of constituent funds may fall as well as rise.
We are heading to an era of high inflation again, which affects the buying power of money and erodes the value of retirement savings. Hong Kong people are famous for their longevity, and we will be experiencing a period of inflation once more. In that sense, inflation is the enemy of retirement! BCT launches the first MPF fund which aims to provide "protection against inflation" as well as "dividend income" -Asian Income Retirement Fund. No matter which stage of life you are in, BCT is here to shape the future with you.
Terms and Conditions:
1. "Management Fee" include fees paid to the trustee, administrator, custodian, investment manager and sponsor of a scheme for providing their services to the relevant funds. They are usually charged as a percentage of the NAV of a fund. 2. The Privileged Management Fee is arrived at by applying bonus unit rebate to the Management Fee of the Fund. The calculation of Privileged Management Fee is shown as follows: “Privileged Management Fee = Management Fee – the rate of bonus unit rebate”. Bonus unit rebate is calculated on the basis of net asset value of the Fund held by the relevant member as at the end of each month. Bonus unit rebate will be credited to the relevant member account after the end of each quarter. If the relevant member terminates his/her relevant account or all assets in his/her relevant account have been transferred out before the end of the quarter, bonus unit rebate for that quarter will be forfeited. If the relevant member's account eligible to the Privileged Management Fee stated in this flyer is also entitled to any other special offer provided by BCT, the one with the highest rate of bonus unit rebate shall prevail. The offer of the Privileged Management Fee as stipulated in this flyer may be changed or withdrawn by BCT at its sole discretion upon its giving of one month’s prior notice. Such notice will be sent via the customer communication channel(s) as selected by BCT, including but not limited to customer website. In the event of any dispute as to the eligibility for and entitlement to the Privileged Management Fee or bonus unit rebate rate, BCT's decision shall be final and conclusive. 3.The Risk & Return Level for each constituent fund is assigned by BCT and subject to review at least annually. It is based on the corresponding constituent fund's volatility and expect return and categorized as "High", "Medium", "Low to Medium", and "Low". It is provided from reference only.
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
