MPF/ORSO
                                               
                                               

                                              Our Products

                                              BCT offers both a master trust scheme and an industry scheme as our MPF package for Hong Kong's working population as well as our BCT Premier Pooled ORSO Retirement Plan for employers who opt for an ORSO (Occupational Retirement Scheme Ordinance) scheme for their staff.


                                              Master Trust Scheme

                                              BCT (MPF) Pro Choice
                                              BCT (MPF) Pro Choice
                                              Multiple Fund Managers
                                              Wide Range of
                                              Constituent Fund Choices
                                              Voluntary Contributions

                                              Multiple Fund Managers

                                              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 some of the constituent funds, we utilize both active investment strategy and rule-based investment strategy.


                                              Wide Range of Constituent Fund Choices

                                              We have 23 constituent funds under 5 constituent fund categories covering a wide range of investment strategies and risk / return profiles.



                                              Voluntary Contributions

                                              Employers can enhance employees' retirement benefits by making voluntary contributions in line with the company policies on employee compensation.

                                              Individual members can make special voluntary contributions, which can be withdrawn* at any time. 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.

                                              * A HKD200 processing fee will be charged for each withdrawal of less than HKD5,000 (This withdrawal charge does not apply to the redemption of units in the DIS Funds. No apportionment will be made if only part of the redeemed units is in relation to any one of the DIS Funds.)


                                              Industry Scheme

                                              BCT (MPF) Industry Choice
                                              BCT (MPF) Industry Choice

                                              BCT (MPF) Industry Choice is created specifically for those working in the catering and construction industries.

                                              Multiple Fund Managers
                                              Wide Range of
                                              Constituent Fund Choices
                                              Voluntary Contributions

                                              Multiple Fund Managers

                                              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 some constituent funds, multi-manager investment approach is even adopted whereby more than one investment managers are appointed for the management of a constituent fund. For further details, please refer to the latest principal brochure. 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.



                                              Wide Range of Constituent Fund Choice

                                              12 constituent funds under 3 constituent fund categories with different investment objectives and risk / return profiles which offer members more investment choices.



                                              Voluntary Contributions

                                              Employers can enhance employees' retirement benefits by making voluntary contributions in line with the company policies on employee compensation.

                                              Individual members can make special voluntary contributions, which can be withdrawn* at any time. 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.

                                              * A HKD200 processing fee will be charged for each withdrawal of less than HKD5,000. (This withdrawal charge does not apply to the redemption of units in the DIS Funds. No apportionment will be made if only part of the redeemed units is in relation to any one of the DIS Funds.)


                                              BCT Premier Pooled ORSO (Occupational Retirement Schemes Ordinance) Retirement Plan
                                              Multiple Fund Managers
                                              Wide Range of Portfolios
                                              Flexibility

                                              Multiple Fund Managers

                                              The BCT Premier Pooled ORSO Retirement Plan offer portfolios managed by different investment managers that are not affiliated with the BCT Group. This enable us to independently appoint investment managers with diverse investment styles and philosophies to be used in our Plan. For further details, please refer to the latest explanatory memorandum. 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.



                                              Wide Range of Portfolios

                                              A range of portfolios, including a guaranteed fund, covering a wide spectrum of risk profiles and investment returns.



                                              Flexibility

                                              Employers and members can have flexibilities on their investment choice.