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BCT (MPF) Pro Choice and BCT (MPF) Industry Choice
You should consider your own risk tolerance level and financial circumstances before making any investment choices or investing according to the Default Investment Strategy. When, in your selection of funds or the Default Investment Strategy, you are in doubt as to whether a certain fund or the Default Investment Strategy is suitable for you (including whether it is consistent with your investment objective), you should seek financial and / or professional advice and choose the investment choice(s) most suitable for you taking into account your circumstances.
In the event that you do not make any investment choices, please be reminded that your contributions made and / or accrued benefits transferred into the Plan will be invested in accordance with the Default Investment Strategy, which may not necessarily be suitable for you.
Your investment decision should not be based on this website alone. Please read the principal brochures of BCT (MPF) Pro Choice and BCT (MPF) Industry Choice for further details, including the risk factors.
Members should note that investment markets could fluctuate significantly. Fund prices may go down as well as up. There is no guarantee that, given the time required to implement fund switching instructions, such instructions will achieve your desired results. Please carefully consider your own risk tolerance level and financial circumstances (as well as your own retirement plan) before making any investment choices. If in doubt, please contact your independent financial advisor for further details.
BCT Premier Pooled ORSO Retirement Plan
You should consider your own risk tolerance level and financial circumstances before making any investment choices. When, in your selection of funds, you are in doubt as to whether a certain fund is suitable for you (including whether it is consistent with your investment objectives), you should seek financial and / or professional advice and choose the fund(s) most suitable for you taking into account your circumstances.
Your investment decision should not be based on this website alone. Please read the explanatory memorandum of the Plan for further details, including the risk factors.
BCT ORSO Guaranteed Fund under the Plan invests directly into the China Life - Deposit Administration Guarantee Fund Policy issued by China Life Insurance (Overseas) Company Limited ("China Life"). China Life is the guarantor of the policy. Your investments in BCT ORSO Guaranteed Fund, if any, are therefore subject to the credit risks of China Life. Please refer to part IV of the Explanatory Memorandum for details of the guarantee features and guarantee conditions.
Unless otherwise specified, the term “BCT” referred to in this website shall mean BCT Financial Limited (Plan Sponsor) and Bank Consortium Trust Company Limited (Trustee & Administrator)
A trusting partnership with the right MPF/ORSO provider is important for every employer. The right partner can provide you with quality products, trusted care, and professional services. With a good business partner, you can rely on their expertise while you focus on managing your business.
Diversified constituent fund choices are important because different life stages, risk tolerance levels and financial situations require different types of portfolios in order to achieve the retirement goals of your employees.
Our MPF schemes have a wide range of constituent funds^
Our MPF schemes offer constituent funds managed by different investment managers that are not affiliated with the BCT Group. This enables us to independently appoint investment managers with diverse investment styles and philosophies to be used in our schemes. For further details, please refer to the latest principal brochure. As of today, 8 fund managers have been engaged to help managing your MPF. Overall speaking, the use of multiple fund managers allows us to focus on, among others, the service quality of the fund managers through our selection and monitoring process and provides us with the flexibility to replace fund managers independently.
^ BCT offers 2 MPF schemes, namely, BCT MPF (Pro) Choice and BCT (MPF) Industry Choice which offer a wide range of constituent funds.
BCT (MPF) Pro Choice
BCT (MPF) Pro Choice has 5 constituent fund categories which provides 23 constituent funds covering a wide spectrum of risk.
Equity Funds - Market Tracking Series
Target Date Mixed Asset Funds
Mixed Asset Funds
Bond / Money Market Funds
Target Date Mixed Asset Funds - We are one of the first MPF providers to launch the SaveEasy Fund Series. The SaveEasy Funds are designed to shift their underlying investments from equities towards a greater exposure to bonds and cash as the relevant SaveEasy Fund gets closer to its particular target year. Please refer to Principal Brochure for more details.
In addition, our Equity Funds - Market Tracking Series consists of three constituent funds. Each constituent fund invests in one or more "Index Tracking Collective Investment Scheme (ITCIS)". All three constituent funds under this series are classified as "Low Fee Fund" (Fund Expense Ratio ≤1.3% or Management Fee ≤1%) as defined by the MPFA.
BCT (MPF) Industry Choice
BCT (MPF) Industry Choice has 3 constituent fund categories which provides 12 constituent funds covering a wide spectrum of risk.
Mixed Asset Funds
Bond / Money Market Funds
BCT (MPF) Industry Choice is created specifically for those working in the catering and construction industries.
* The effective management fee applies to personal account under BCT MPF (Pro) Choice only. BCT offers specific effective management fee to personal account and Easy Gold Plan respectively.
Easy Gold Plan (Special Voluntary Contribution)
Members can make special voluntary contribution via the Easy Gold Plan, with the management fees of constituent funds range from 0.75%-0.99% per annum of net asset value of constituent funds. You can make a minimum lump sum contribution of HKD500 per transaction or make regular contribution as low as HKD300 per month by direct debit at your choice. There is no restriction on the number of withdrawals made.
Settle MPF/ ORSO payments via PPS, direct debit, direct transfer, cash or cheque. You can also visit a branch of BCT's Servicing Banks* to settle the payment.
View your employees information and contribution online.
Communication and Publications
Employer hotline and newsletter
*Public Bank (Hong Kong), Chong Hing Bank, Dah Sing Bank, Fubon Bank, ICBC (Asia), OCBC Wing Hang, Shanghai Commercial Bank and Wing Lung Bank
We Care We Serve
BCT's MPF administration and member services are well-recognised within the industry. See our Awards here. We care about your employees and provide a variety of services to help them manage their MPF accounts:
One-stop Contact Centre Service
Value Added Services
Our Online Platform includes website, mobile applications, MPF eChannel, Social Media (Facebook and Youtube).
Manage your MPF account for fund switching, change of investment mandate, MPF account balance of showing the gain and loss, and keep up-to-date with the latest news online.
One-stop Contact Centre Service
A 24-hour interactive voice response system (IVRS) is available for you to manage your MPF.
Our professional team can help you handle any enquiries about your MPF account.
BCT's Contact Centre received numerous service awards for our outstanding customer service. Learn more
Counter service is also available at BCT office. You can visit us during 9:00am - 6:00pm (Monday to Friday) at 18/F Cosco Tower, 183 Queen's Road Central, Hong Kong.
Our Investment Planning Service helps members gain a better understanding of their investment goals and risk levels in order to make informed investment decisions. This 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.
Our Retirement Planning Service is aimed at assisting members to plan for retirement. Our experts will help members to get prepared for their retirement in financial, social as well as psychological aspects. Through this service, members will enjoy special management fee rates while being able to withdraw funds in phases.