3.12% per annum, based on the average composite consumer price index since 2017.

Source: BCT Financial Limited, Census and Statistics Department, data as of 31st Dec 2017

The default return is based on the average of the 3-year annualized return of BCT’s constituent funds under respective risk category that matches the result of the questionnaire. If the result of the questionnaire is risk category 4, then the default return is the average of the 3-year annualized return of BCT’s constituent funds under risk category 4.

Life expectancy at birth for male in 2017: 81.5 years
Life expectancy at birth for female in 2017: 87.5 years

Source: Census and Statistics Department, data as of 30th September 2017

A fixed amount contributed to MPF account in addition to mandatory and any voluntary contributions.
SVC are paid directly by the employee to trustee without going through the employer. Making contribution and withdrawing accrued benefits are neither tied to employment nor subject to preservation requirements.