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                                                              Retirement Planning

                                                              Disclaimer

                                                              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:

                                                              • The Retirement Calculator is not intended to forecast or estimate the current or future actual investment classes or assets of your portfolio (or any specific asset allocation), or the actual statistical income value. In addition, the Retirement Calculator shall not be used as the key basis of any investment or tax planning decision. The Retirement Calculator does not make any tax assumptions and all analytical results are stated in gross value (pre-tax). The calculation and analytical results of the Retirement Calculator are intended to provide an overview of the performance of the selected portfolio only. The Retirement Calculator assumes that the investment allocation of each asset class is in line with that of a certain market index. All calculations are based on assumptions only and will not affect the actual performance of your account.
                                                              • The analysis is intended as a reference to help you assess the requirement of your future retirement income. The actual investment return will be net of charges or fees and the assumptions do not reflect such charges or fees. The return is also subject to taxation.
                                                              • Data input into to the Retirement Calculator are for research and portfolio construction purposes only, and will not be stored in or provided to any planning tools or calculators of BCT Group for future use. 
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                                                              BCT has Launched Two-factor Authentication

                                                              BCT has launched "Two-factor Authentication" for online member account. You must login to your account with "one-time password" or you can choose to login with "biometric factor" according to your personal settings.

                                                              2FA Video E

                                                              One-time Password
                                                              You can choose to receive the "one-time password" via SMS or email.

                                                              Features
                                                              - Applicable to all computers and mobile devices
                                                              - No registration is required
                                                              - No need to memorize and save password
                                                              - More protection as the password is generated by computer instantly, which can only be used once and cannot be predicted

                                                              Biometric Factor

                                                              Biometric factor is login to account via fingerprints or facial recognition1, you need to register for using biometric factor. You can register fingerprints or facial recognition via simple steps in BCT mobile app "BCT MPF" on mobile device2.

                                                              Features
                                                              - Login to your account with your own unique fingerprint or face recognition, only you can login to your account so account security is enhanced.
                                                              - No need to memorize and save password
                                                              - Account login is faster and convenient

                                                              1 Facial recognition is supported by certain models of mobile device under iOS system.
                                                              2 Mobile device with fingerprint or facial recognition is required.

                                                              A valid mobile phone number and email address are mandatory for BCT’s 2FA, for sending one-time password. Please ensure that your registered mobile phone numbers and email addresses at BCT are updated.

                                                              Due to online login security reason, starting from 8 October 2019, if BCT does not have your effective local mobile phone number and email, we will not be able to send one-time password when you login to your account. To provide / update mobile phone number and email address, please login to our web and go to “Personal Information Maintenance” page under “MyBCT”.

                                                               

                                                              Customize User ID
                                                              You can now choose to customize "user ID". Customized "user ID" is easy to remember and difficult to be predicted by others, safeguard account security. You can set your "user ID" in member website via the "Password and Customized User ID Management" page under "My BCT".

                                                               

                                                               

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                                                              Identify Your Investor Type – Before making any investment decisions, you can complete the risk assessment questionnaire and check your risk tolerance level, according to your retirement goal, income, age and risk appetite.

                                                              "BCT iPortfolio" Provides You with Investment Reference – Upon completing the risk assessment questionnaire, “BCT iPortfolio” will show model portfolios suited to investors of different risk levels, to help you make informed investment decisions.

                                                              Review Portfolio Regularly – Do the risk assessment questionnaire every year, or when you move to a different life stage, and adjust asset allocation as necessary. If you are a BCT member, you can log into your account and save the assessment result. The system will remind you to do the assessment every year automatically. This makes portfolio review and asset allocation more flexible and easier.

                                                              What type of investor are you?
                                                              Any investment involves risk and different investors are able to take on different amounts. Depending on your retirement goals, income, age and investing aggressiveness, you’ll fall into one of the following categories. Choose from the best option below
                                                              Assets and Liabilities
                                                              Net Asset
                                                              (Total asset - Total liability (including mortgage))
                                                              Negative HK$0 to 1 mn More than HK$1 mn to 3 mn More than HK$3 mn to 5 mn More than HK$5 mn to 10 mn More than HK $10 mn
                                                              Saving Ratio
                                                              (Saving amount / Monthly income)
                                                              0% > 0% - 5% > 5% - 10% > 10% - 15% > 15% - 20% > 20%
                                                              Investment Objective
                                                              Safety & Emergency
                                                              Home Purchase
                                                              Others (e.g. Education Fund)
                                                              Retirement
                                                              Investment Experience
                                                              Risk Profiling Questionnaire
                                                              Risk Profiling Questionnaire
                                                              Your Risk Level is
                                                              DOWNLOAD

                                                              Please login to the Member Web / Mobile App immediately to save your current risk assessment result.

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                                                              Want to learn more about the fund that fit your risk level?
                                                              Contact customer service hotline at 22989381 Let BCT call me
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