Retirement Planning
                                                               
                                                               

                                                              BCT Managing Director & CEO Ms Ka Shi Lau, BBS, receives "CAPITAL Leaders of Excellence 2013" Award

                                                              Ms Lau was awarded this prestigious recognition for excellence in leadership, her reputation and contribution to the society. It is organised annually by the CAPITAL magazine.

                                                              The award presentation ceremony was held on 13 January 2014. On receiving this award at the ceremony, Ms Lau expressed gratitude to the shareholders, senior management, staff, business partners and customers of BCT as well as that of BCT's industry counterparts, adding that she would not have achieved what she had today without their full support. She also thanked God and her family. Looking ahead, she stressed that BCT would continue its commitment to providing the best-in-class retirement products and services to the Hong Kong community, to being a responsible corporate citizen, and to nurturing leaders of future generations.

                                                              A total of 14 prestigious business leaders were recognised with the "CAPITAL Leaders of Excellence 2013" award. Winners were selected based on 8 criteria: leadership and management skills; social responsibility; business concept; reputations; personal goals and achievements; contributions to country and society; balance and harmony between work & family; and remarkable samples for the next generation. The panel of judges comprised influential members of the business community, who are widely regarded as prominent leaders in their respective industries.


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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
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