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                                                              About BCT
                                                               
                                                               

                                                              Current Monthly Expenses

                                                              We apply a 70% replacement ratio for post-retirement spending as market consensus believes most people need approximately 70% of their current spending to maintain reasonable post-retirement living standards. Therefore, in this retirement calculator, “Monthly income required at retirement” equals to 70% of the “Current monthly expenses” regardless of inflation impact. “Current monthly expenses” is also used for calculating “Total required at retirement”, but not used for calculating “Total available at retirement”.

                                                              Annual Inflation Rate

                                                              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

                                                              Expected annual MPF/ORSO return

                                                              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

                                                              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

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                                                              1999 & 2000
                                                              2020-1
                                                              BCT presented "BCT Alliance . MPF Game", the first-ever online simulation game in the MPF market, to promote investor education via BCT's eJourney, as part of the branding campaign.
                                                              2020-2
                                                              BCT launched a new branding campaign themed "Performance Builds Trust" to highlight BCT's strength in bringing good fund performance.
                                                              2020-3
                                                              "BCT iPortfolio", an asset allocation tool specially designed for MPF investors, was introduced to help investors making informed investment decision.
                                                              2019-3
                                                              BCT launched the “Do it Right, Save More" advertising campaign featuring Louis Cheung as a tax-saving ambassador, to promote tax deductible voluntary contributions.
                                                              2019-2
                                                              BCT presented a large-scale green campaign named “WGO x BCT Paper Saving Pioneers" with World Green Organisation (WGO) in celebration of our 20th anniversary to promote digitalisation and raise environmental awareness.
                                                              2019-1
                                                              2019 marks the 20th anniversary of BCT with "Embracing a Sustainable Future" as the theme.
                                                              2018-1
                                                              BCT introduced an updated fund platform for BCT (MPF) Pro Choice
                                                              2018-2
                                                              BCT launched "BCT – MPF made easy" advertising campaign with an upgraded look of "Piggy Army".
                                                              2017-2

                                                              BCT unveiled new asset servicing website with an enhanced image and user experience.

                                                              Asset Under Administration reached HK$160 billion

                                                               

                                                              2016-2

                                                              BCT unveils the "Piggy Army" in a brand new TV commercial to help members make managing MPF a breeze.

                                                              2016-1

                                                              BCT launches a brand-new interactive website to enhance user experience and help members plan for their retirement investments through upgraded retirement planning tools.

                                                              2015-2

                                                              To align with business growth, BCT adopts a fresh, contemporary look together with the launch of a popular television commercial.

                                                              2015-1

                                                              Provide Services for 1 million member accounts.

                                                              Asset Under Administration reached HK$100 billion

                                                              BCTF awarded with Caring Company Logo for the first time

                                                              2009-1

                                                              BCT Third Age Academy was established on BCT’s 10th anniversary aiming to advocate lifelong learning and personal enrichment for third agers

                                                              Asset Under Administration reached HK$50 billion

                                                              2008-1

                                                              Establishment of BCTF, sponsor of BCT MPF scheme

                                                              2008-2

                                                              Launch of the SaveEasy Fund series, market first target date fund in the MPF industry

                                                              2008-3

                                                              Attained the ISO 27001 certificate for Information Security Management System (ISMS)

                                                              2008-4

                                                              Moved into current office in Central

                                                              BCTC awarded with Caring Company Logo for the first time

                                                              1999-1

                                                              Establishment of BCTC and approval as approved trustee under the Mandatory Provident Fund Schemes Ordinance (MPFS Ordinance)

                                                              Introduction of "Bank Consortium MPF Plan" (a master trust scheme) and "Bank Consortium Industry Plan" (one of the two industry schemes in the MPF market)

                                                              BCT eChannel Side Square 254x254 en