| 事項 | 網上服務 | 智能手機應用程式 | 24小時互動電話語音系統 | 成員熱線 | 特定銀行分行 |
|---|---|---|---|---|---|
| 基金轉換 / 更改投資指示 |  |
|
|||
| 查閱基金價格 | |
|
|
|
|
| 更新資料 | |
|
|
||
| 更改私人密碼 | |
|
|
||
| 查詢戶口結餘及供款記錄 | |
|
|
|
|
| 索取產品 / 投資者教育資訊 | |
|
|
||
| 一般查詢 | |
|
|
||
| 索取電子成員權益報表 | |
|
|||
| 索取行政表格 | |
|
|
||
| 遞交文件 | |
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。
Retirement Calculator - Disclaimer
PLEASE READ THE FOLLOWING CAREFULLY BEFORE USING THIS WEBSITE
By accessing or downloading any materials from this website, you agree to be bound by the following terms and conditions. If you do not agree to the same, please do not use this website or download any materials from it.
Availability of Printed Copies of Principal Brochures & Explanatory Memorandum
Should you want to obtain printed copies of the principal brochure of the BCT (MPF) Pro Choice / the BCT (MPF) Industry Choice, and/ or the Explanatory Memorandum of the BCT Premier Pooled ORSO Retirement Plan, please contact us:
Member Hotline 2298-9333
Employer Hotline 2298-9388
Licence
All rights reserved. Information and materials contained in this website may not be copied, reproduced or transmitted without the written permission of Bank Consortium Trust Company Limited (BCTC).
You may download information and materials contained in this website only on a single computer for your personal, internal and non-commercial use. You should not amend, alter, make addition to or deletion of the information and materials or use them for any commercial purposes, including, but not limited to, any sale or rental or public display of the same. You agree to prevent any unauthorised copying and / or transferring of the information and materials.
BCTC retains the sole and absolute right, at any time, to terminate this licence if you are in breach of the terms and conditions stated herein.
Information and Materials
BCTC may, at any time and without notice, at its sole and absolute discretion, amend, alter, make addition or deletion to the information and materials contained in this website.
Disclaimer
Users should be aware that transactions over the internet may be subject to interruption, transmission blackout, delayed transmission due to internet traffic or incorrect data transmission due to the public nature of the internet. BCTC does not represent or warrant that access to this website will be uninterrupted and that there will be no delays, errors, failures or loss of any information transmitted to and from this website.
All information and materials contained in this website are provided solely for information purposes only and should not be treated as an offer or solicitation of any investments products or services. Further, BCTC's products and services are only available in the jurisdictions where they may lawfully be offered for sale. For the avoidance of doubt, all information and materials contained in this website should not be treated as an offer or solicitation of any investments products or services to any person in any country where it is unlawful to make such an offer or solicitation.
The information and materials contained in this website are provided "as is" and on "as available" basis without any express or implied warranties of any kind including warranties of merchantability, non-infringement of intellectual property rights, fitness for particular purpose or absence of computer viruses. Any software downloaded from this website is downloaded at the user's own risk.
Without limiting the generality of the foregoing, BCTC does not represent or warrant the accuracy, adequacy or completeness of the information and materials contained in this website and expressly disclaim any liability for any errors or omissions in such information and materials. The information and materials contained in this website are not intended to be treated as professional advice in whatever nature and should not be relied upon as such. Persons accessing this website are advised to obtain appropriate independent professional advice, if needed.
In no event shall BCTC, its group of companies, their shareholders, directors, employees or agents be liable to any person for any direct, indirect or consequential loss or damages in whatever nature arising from such persons' use of this website.
Unless otherwise specified, information and materials provided in other websites which BCTC offers a hyperlink do not necessarily represent BCTC's standpoint. Further, BCTC is not responsible for and is not liable to the contents available on any hyper-linked websites and access to and use of which is at the user's own risk.
These terms and conditions are governed by the laws of Hong Kong Special Administrative Region and any dispute shall be subject to the non-exclusive jurisdiction of the Courts of Hong Kong Special Administrative Region.
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”。
