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：
景順投資管理有限公司 (「景順」) 是一間獨立的環球投資管理公司，專注於提供良好的投資體驗，從而幫助客戶實現豐盛人生。景順管理全球資產總值達1.6萬億美元，於全球約有 8,000名僱員，在超過20個地區經營業務 (截至2021年12月31日)。
景順於1935年成立，目前於紐約證券交易所上市，代號為IVZ。
景順自1977年起為香港僱主提供退休計劃服務。憑藉多年的豐富經驗，我們充分了解您作為投資者和退休金成員的需要，為配合您個人的長遠退休投資目標，提供一系列多元化的投資方案，助您靈活選擇所需。
資料來源: 景順，截至2021 年12月31 日
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。
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”。
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。
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
預計退休基金結餘 
所需退休基金結餘 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.
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
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.
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.
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.
BCT Financial Limited 銀聯金融有限公司每年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
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”。
