長期服務金 / 遣散費抵銷安排
作為僱主，若您打算以僱主供款而產生的強積金累算權益，抵銷需支付予僱員的長期服務金或遣散費，請注意下列事項 :
根據《僱傭條例》，某些僱員或符合資格收取長期服務金或遣散費；而根據強積金法例，僱主可從僱員的強積金帳戶內由僱主供款所衍生的歸屬權益中抵銷長期服務金或遣散費。
抵銷的次序為 :
如何作出抵銷安排
退休策劃
免責聲明
BCT的網上「退休策劃服務」由(1)「風險評估」及(2) 「退休計算機」兩部分組成。
上述工具得出的結果使用若干假設，謹供參考之用。有關結果並不構成任何投資意見、建議、招攬或邀請，亦不擬取代任何專業意見。作出任何投資決定前，請諮詢閣下的獨立法律、稅務或財務顧問。BCT並不保證從「退休策劃」網上平台獲得的資料及結果屬充份、準確、可靠或完整，亦不會對倚頼有關資料或結果採取的任何決定或行動引致的後果負責。
使用「退休計算機」時，閣下應留意：
- 此計算機不擬用作預計或估計您的投資組合（或特定資產分配）現時或日後的實際投資類別或實際組合資產，或實際統計收入價值。此外，計算機不應用作任何投資或稅務規劃決定的主要基礎。這個計算機並無作出任何稅務假設，所有分析結果均以總值（除稅前）形式顯示。計算機作出的計算及分析結果只擬讓您概括了解個別資產類別組合的表現。計算機假設每項資產類別的投資分配水平與某特定市場指數相符。所有計算均為純粹假設的數據，不會影響您的實際帳戶的表現。
- 此分析只擬作為其中一項參考資料，助您評估將來退休收入的需要。實際投資回報表現一般將須扣除費用或開支，這些假設例子並並未反映有關費用或開支。此外，回報亦會受稅項影響。
- 在計算機輸入的任何資料只會作研究及建立計劃用途，有關資料不會被儲存或提供予的任何銀聯集團的計劃工具或計算機日後使用。
退休計算機
你是否朝正確的退休之路進發?
不論你的年齡多少，能肯定自己已為退休作好準備才是上策。利用 BCT的退休計算機找出你需要的退休金額，並如何能達成目標。
第一部分，共四部分
退休生活支出
現時每月生活開支
(您亦可選擇輸入數字。)
現時每月生活開支
由於市場共識相信大部分人退休後需要現時生活開支約70%用以維持合理的退休生活水平，所以我們使用了70%作為退休費用的替代率。因此在這退休計算機中，“退休時每月所需收入”相等於 ”現時每月生活開支”的70% (未計及通漲因素)。“現時每月生活開支”亦用作計算“退休時所需總額”，但並不會用作計算“退休時可用總額”。
第二部分，共四部分
您的年齡及性別
現時的年齡
預期的退休年齡
您的性別
第三部分，共四部分
我的強積金/公積金計劃相關投資
現時強積金/公積金計劃賬戶結餘
每月強制性及自願性強積金/公積金計劃供款
僱員每月特別自願性供款
您預期退休前的強積金/公積金計劃每年投資回報率
預期平均按年通脹率
您預期在退休後的每年投資回報率
您預期的強積金/公積金計劃每年投資回報率
預設的投資回報率是根據與問卷調查結果相應的風險類別下的BCT成分基金平均的3年年均回報。如問卷調查的結果是風險類別4，預設的投資回報率即是風險類別4下的BCT成分基金平均的3年年均回報。
第四部分，共四部分
我的個人投資
現時個人投資總額
您預期個人投資的每年投資回報率
平均預期壽命
男性出生於2017年時平均預期壽命：81.5年
女性出生於2017年時平均預期壽命：87.5年
來源：政府統計處，資料截至2017年9月30日
退休財富路徑
-
預計退休基金結餘 -
所需退休基金結餘
總資產
每月收入
總資產
退休時可用總額
退休時所需總額
每月收入
退休時每月可用收入
退休時每月所需收入
您可調整任何資料格並重新計算。
每月強制性及自願性強積金/公積金計劃供款
您預期退休前的強積金/公積金計劃每年投資回報率
預期的退休年齡
現時每月生活開支
預期平均按年通脹率
您預期在退休後的每年投資回報率
若有查詢，請致電 2298 9381。
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想為您的退休生活增值？
備註:
可於桌面板查看您的個人退休財富路徑。 
BCT Financial Limited 銀聯金融有限公司Bank Consortium Trust Company Limited 銀聯信託有限公司
18/F Cosco Tower, 183 Queen’s Road Central, Hong Kong 香港皇后大道183號中遠大廈18樓
Tel 電話 2298 9800 Fax 傳真 2520 0303 www.bcthk.com
平均按年通脹率
每年3.12%，基於自2017年的平均綜合消費物價指數計算。
來源：銀聯金融有限公司，政府統計處，資料截至2017年12月31日
現時每月生活開支
由於市場共識相信大部分人退休後需要現時生活開支約70%用以維持合理的退休生活水平，所以我們使用了70%作為退休費用的替代率。因此在這退休計算機中，“退休時每月所需收入”相等於 ”現時每月生活開支”的70% (未計及通漲因素)。“現時每月生活開支”亦用作計算“退休時所需總額”，但並不會用作計算“退休時可用總額”。
