Our Business

                                                              Grow With Us

                                                              The BCT Group is comprised of BCT Financial Limited (“BCTF”) and Bank Consortium Trust Company Limited (“BCTC”). We are a major pension product provider and one of the largest trust companies in Hong Kong offering pension products and professional services for MPF, pension and investment funds.

                                                               

                                                              BCT Financial Limited (“BCTF”)

                                                              BCTF acts as sponsor and distributor of pension products whilst providing customer services, investment planning services (IPS) and retirement planning services (RPS) as well as investor education. Currently, we have engaged 8 independent global fund managers to manage the various MPF/ ORSO funds. At BCT, we adopt a “Multi-manager” investment approach for our schemes which blend the expertise of different fund managers and allow us the flexibility to select and monitor the best fund managers in different asset classes as well as designing the products with the best possible returns.

                                                              Currently, we offer three retirement schemes and two member services:

                                                              Master Trust Scheme
                                                              Industry Scheme
                                                              Pooled ORSO Plan
                                                              Investment Planning Service
                                                              Retirement Planning Service
                                                              Master Trust Scheme

                                                              Five fund categories with 27 constituent funds that cover a wide range of risk profiles and investment strategies. These categories are: “Equity Funds”, “Equity Funds - Market Tracking Series”, ”Target Date Mixed Asset Funds”, “Mixed Asset Funds” and “Bond / Money Market Funds”.


                                                              Industry Scheme

                                                              One of the only two MPF industry schemes in Hong Kong, this scheme serves employers, regular employees, casual employees and self-employed persons in the catering and construction industries. Three fund categories: “Equity Funds”, “Mixed Asset Funds”, and “Bond / Money Market Funds”) with 12 constituent funds.


                                                              Pooled ORSO Plan

                                                              A professionally administered and managed retirement benefit plan that offers a full range of fund choices covering a wide spectrum of risk and return profiles. Daily dealing and unlimited switching of funds also enable flexibilities for our members to meet different needs.


                                                              Investment Planning Service (“IPS”)

                                                              Our Investment Planning Service helps members gain a better understanding of their investment goals and risk levels in order to make informed investment decisions. The financial planning service does not only cover MPF investments but also other fund ranges such as Collective Investment Scheme (CIS). Through one-on-one consultations, members can find the most suitable funds based on their investment goals.


                                                              Retirement Planning Service (“RPS”)

                                                              This Service aims at assisting members in planning for retirement. Our counsellors will help prepare members as they approach retirement in financial, social as well as psychological aspects. Through RPS, members can also enjoy special management fee while being able to withdraw funds in phases.


                                                              Bank Consortium Trust Company (BCTC)

                                                              BCTC’s main role is to provide pension plans and fund services including trustee and fiduciary duty, pension services and asset servicing. Our comprehensive solution combines custodian and administration services for MPF/ORSO and international pension plans as well as global investment funds, QFII and RMB funds.

                                                              We have the capability to offer top-tier trustee and fiduciary services for pension plans and investment funds, including monitoring of investment and regulatory compliance and reporting, safekeeping of investors’ assets, monitoring of service providers to pension plans and investment funds.


                                                              MPF, ORSO and International Pension Plans

                                                              We provide employers and employees access to a customized online platform that allows them to easily view and manage schemes and their underlying funds. Regulatory updates about pension funds and relevant impact analyses are also provided for through various online and offline channels.


                                                              Fund Services

                                                              With a client-centric, solution-driven servicing culture, we offer comprehensive fund services which are built on a solid foundation in investment operations.

                                                              Leveraging on our multi-disciplinary strengths, experience and expertise in the industry, we provide a one-stop solution that allows asset managers and plan sponsors to delegate their fiduciary duty and administration work to BCT in order to help them increase control and efficiency, mitigate risks and drive down costs while enhancing service quality.


                                                              BCT’s Competitive Edge

                                                              Innovation
                                                              Focused and Flexibility
                                                              Secure and Advanced IT Infrastructure
                                                              Sound Corporate Governance
                                                              Industry Recognition

                                                              Enrollment Timeline: within 60 days of employment.

                                                              Just one step to take:

                                                              For Enrollment
                                                              Fill-in form
                                                              Fill-in form

                                                              Download and complete the Member Enrollment Form (Note: Authorised signature with company chop are required) and send it to us.

                                                              Upon completion of your enrollment
                                                              • Notice of Participation will be sent to your employees within five working days upon receipt of the enrollment form.
                                                              • Email or SMS notification will be sent to your employees for retrieving a verification code, which could be used for password set up via member website afterwards.

                                                              Please read the relevant MPF Scheme Brochure before completing the above application forms.

                                                              Enrollment Timeline: the next working day following the 1st pay day or the 10th day from the commencement of employment, whichever is earlier.

                                                              Just one step to take:

                                                              For Enrollment
                                                              Fill-in form
                                                              Fill-in form

                                                              Complete the following forms and send to us directly

                                                              Upon completion of your enrollment
                                                              • Notice of Participation and Casual Employee Card will be sent to your employees within five working days upon receipt of the enrollment form.
                                                              • Email or SMS notification will be sent to your employees for retrieving a verification code, which could be used for password set up via member website afterwards.

                                                              Please read the relevant MPF Scheme Brochure before completing the above application forms.