Our on-line “Retirement Planning” is comprised of two parts: (1) “Risk Assessment” and (2) “Retirement Calculator”.
The results generated by these tools have used certain assumptions and therefore are for reference only. The results also do not constitute any advice, recommendation, solicitation or invitation for investments and are not intended as substitutes for professional advice. Please consult your own independent legal, tax or financial advisor before making any investment decision. BCT does not warrant the adequacy, accuracy, reliability or completeness of the information and results obtained from the on-line “Retirement Planning” platform and shall not be liable for the consequence of any decision or action taken upon.
In relation to the Retirement Calculator, you should particularly note that:
Starting from 1 August 2022, the fund price publication of constituent funds of “BCT (MPF) Pro Choice” and “BCT (MPF) Industry Choice” in Sing Tao Daily and The Standard will be changed from every Monday-Saturday to every Wednesday. If any particular Wednesday falls on a public holiday, such information will be published on the next working day.
Meanwhile, members can continue to check daily fund price through BCT website and mobile app bct+ .
No matter your age, it is always wise to ensure you are well-prepared for retirement. Use our retirement calculator to find out how much you need to live the retirement you want and how to get there.
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”.
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.
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
Projected retirement fund balance 
Required retirement fund balance By accessing or downloading any materials from this website, you agree to be bound by the following terms and conditions. If you do not agree to the same, please do not use this website or download any materials from it.
Should you want to obtain printed copies of the principal brochure of the BCT (MPF) Pro Choice / the BCT (MPF) Industry Choice, and/ or the Explanatory Memorandum of the BCT Premier Pooled ORSO Retirement Plan, please contact us:
Member Hotline 2298-9333
Employer Hotline 2298-9388
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All information and materials contained in this website are provided solely for information purposes only and should not be treated as an offer or solicitation of any investments products or services. Further, BCTC's products and services are only available in the jurisdictions where they may lawfully be offered for sale. For the avoidance of doubt, all information and materials contained in this website should not be treated as an offer or solicitation of any investments products or services to any person in any country where it is unlawful to make such an offer or solicitation.
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Without limiting the generality of the foregoing, BCTC does not represent or warrant the accuracy, adequacy or completeness of the information and materials contained in this website and expressly disclaim any liability for any errors or omissions in such information and materials. The information and materials contained in this website are not intended to be treated as professional advice in whatever nature and should not be relied upon as such. Persons accessing this website are advised to obtain appropriate independent professional advice, if needed.
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Unless otherwise specified, information and materials provided in other websites which BCTC offers a hyperlink do not necessarily represent BCTC's standpoint. Further, BCTC is not responsible for and is not liable to the contents available on any hyper-linked websites and access to and use of which is at the user's own risk.
These terms and conditions are governed by the laws of Hong Kong Special Administrative Region and any dispute shall be subject to the non-exclusive jurisdiction of the Courts of Hong Kong Special Administrative Region.
BCT Financial Limited 銀聯金融有限公司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
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”.
