Hong Kong Life | Retirement Planning
Do you have enough savings to achieve
a quality retirement?
Travel around the world
Savor every moment of life
Build a harmonious family
Enjoy life’s pleasures
Life expectancy is rising, and the population is aging.
Male Age
around
86
86
Female Age
around
92
92
In 2046,
1 in every 3 people
Source:
1. Data.Gov.HK -Hong Kong Population - Hong Kong Population Projections (2021- 2046)
2. The major newspapers in Hong Kong (2025)
1. Data.Gov.HK -Hong Kong Population - Hong Kong Population Projections (2021- 2046)
2. The major newspapers in Hong Kong (2025)
As life expectancy extends,
so does your retirement.
Start planning today to enjoy a fruitful retirement.
Start calculating your retirement expenses now
Age :
Target
retirement age:
retirement age:
My estimated number
of years after retirement :
of years after retirement :
Smart wealth management solutions
can bring steady growth to your wealth.
can bring steady growth to your wealth.
Hong Kong Life | Retirement Planning
Price indices are soaring under inflation -
can your savings catch up?
Average
inflation rate
2.4%3
inflation rate
2.4%3
You need a comprehensive savings plan
to overtake inflation and achieve
a promising retirement.
to overtake inflation and achieve
a promising retirement.
Sources: 3. Data.Gov.HK -Consumer Price Index and Its Movements; 4. Data.Gov.HK -Consumer Price Index - Table E501 : Consumer Price Indices (October 2019 – September 2020 = 100) at Commodity/Service Section and Group level
Are bank savings and government retirement policies
sufficient to give you a secure retirement?
Start saving early - the effect of
compound interest allows you to achieve the
same goal with less capital.
compound interest allows you to achieve the
same goal with less capital.
Source: 5. Data.Gov.HK -Monthly Statistical Bulletin - Exchange rates and interest rates - Hong Kong dollar interest rates - Rates as at effective dates; 6. The major newspapers in Hong Kong;
7. The major newspapers in Hong Kong(2026)
Hong Kong Life | Retirement Planning
What's included in the budget for an ideal retirement?
Start calculating your retirement expenses now
Dinning Expense:
HKD
Accommodation:
(e.g., rent, wellness residence, or residential
care home for the elderly)
(e.g., rent, wellness residence, or residential
care home for the elderly)
HKD
Daily Expenses:
HKD
Leisure & Entertainment:
HKD
Medical & Healthcare:
HKD
Monthly MPF / Provident Fund contribution
by you and your employer:
by you and your employer:
HKD
Current accumulated
value of your
MPF / Provident fund:
value of your
MPF / Provident fund:
HKD
Start calculating your retirement expenses now
Other retirement savings
than MPF:
than MPF:
HKD
Expected Monthly Savings & Investment
before Retirement:
before Retirement:
HKD
Average rate of return on
MPF / Provident fund per annum:
MPF / Provident fund per annum:
Average savings or investment return rate per annum before retirement
per annum before retirement:
per annum before retirement:
Average savings or investment return rate per annum after retirement
per annum after retirement:
per annum after retirement:
Expected average inflation rate per annum:
Required monthly expenses
HKD
The total retirement fund required
HKD
Statistics show that the MPF recorded an annualized rate of return of 4% from December 2000 to December 2025.
Annualized rates of return for other fund types from December 2000 to December 2025 are as follows:
Equity Fund:
5.0%
Mixed Asset Fund:
4.5%
Bond Fund:
1.9%
Guaranteed Fund:
1.1%
MPF Conservative Fund:
1.0%
Money Market Fund:
1.0%
Source: 8.MPFA releases the December 2025 Issue of the Mandatory Provident Fund Schemes Statistical
Hong Kong Life | Retirement Planning
Case 1
Middle-aged Professional
Mr. Lee is the financial backbone of his family, always striving to provide the best quality of life for his loved ones. Early on, he set aside a substantial education fund for his two children. Now, he is also preparing for his own retirement.
Considering the basic living expenses he and his wife will face, along with inflation, Mr. Lee has done some preliminary calculations and anticipates needing an additional HKD 1.95 million by the age of 70 to support his retirement.
Considering the basic living expenses he and his wife will face, along with inflation, Mr. Lee has done some preliminary calculations and anticipates needing an additional HKD 1.95 million by the age of 70 to support his retirement.
Mr Lee’s whole life savings insurance plan helps him fill his HKD 1.95 million retirement savings gap.
Case 2
Retirees-to-be
After years of hard work, Mr. Wong wishes to enjoy a comfortable retirement with his wife.
He plans to set aside HKD 2 million to help his daughter with her property down-payment in future.
The remaining assets, along with a monthly rental income of HKD20,000, will serve as their retirement reserve.
However, he worries that economic downturns could reduce his rental income and that inflation will erode their purchasing power.
He needs a stable savings plan to grow his wealth and create a reliable steady income.
After consulting with professionals for financial needs analysis, he decides to take up a whole life annuity plan, which will give him financial security through a monthly income of at least HKD 10,000 throughout his retirement years.
After consulting with professionals for financial needs analysis, he decides to take up a whole life annuity plan, which will give him financial security through a monthly income of at least HKD 10,000 throughout his retirement years.
Mr Wong only need to pay the premium for 6 years. The plan gives him financial
security through a steady stream of additional income, helping him achieve his retirement plans.
Hong Kong Life | Retirement Planning
Plan ahead
Start building your dream retirement today
Start building your dream retirement today
If you long for a secure retirement, you should start your savings plan early. Let our professional team conduct a financial needs analysis for you, and recommend the best retirement solution.
2290-2882
HongKongLifeCS@hklife.com.hk
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