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：
摩根資產管理現於世界各地管理資產總值約25,100億美元（截至2022年3月31日摩根大通集團旗下資產管理客戶資金總值），業務遍及環球超過30個國家，對各地的投資形勢均瞭如指掌，能讓投資者盡享雄厚環球網絡的優勢，並在眾多資產類別處於領先地位。
摩根資產管理在區內8個地方設有辦事處，包括設於香港的亞太區總部、澳洲、中國、印度、日本、韓國、新加坡和台灣。摩根資產管理於亞太區內擁有超過2,469名員工，與區內市場緊密聯繫，並能提供市場第一手資訊及見解。
資料來源: 摩根資產管理，截至2022年3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 
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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”。
