MPF/ORSO
                                                               
                                                               

                                                              Our Group

                                                              Founded on Quality

                                                              BCT Group comprises BCT Financial Limited (“BCTF”) and Bank Consortium Trust Company Limited (“BCTC”), which are wholly owned subsidiaries of Bank Consortium Holding Limited. Bank Consortium Holding Limited was founded in 1999 by a group of renowned banks in Hong Kong. The shareholder group currently comprises 8 reputable financial institutions with long history of serving the public, namely Asia Financial, Chong Hing Bank, Dah Sing Bank, Fubon Bank, ICBC (Asia), OCBC Wing Hang, Shanghai Commercial Bank and CMB Wing Lung Bank. As of 31 December 2021, the total assets and total equities of BCT’s shareholder group exceeded HK$2,514 billion and HK$331 billion respectively. Currently, the servicing banks of BCT Group had an aggregate of 295 branches in Hong Kong.

                                                              BCTF acts as sponsor and distributor of pension products whilst providing customer service, investment planning services (IPS) and retirement planning services (RPS) as well as investor education. BCTC started off with a dedicated mission: to provide best-in-class MPF products and solutions for the Hong Kong working population, while expanding its one-stop services of trustee, administrator and custodian for pensions and investment funds. Today, BCT Group is a major MPF product provider and one of the largest trust companies in Hong Kong, focusing on the provision of pension (including MPF & ORSO) products and asset servicing solutions. As of 31 December 2021, our assets under administration exceeded HK$210 billion, serving over 1.2 million member accounts.

                                                              Driven by a culture of integrity and professionalism, we strive to deliver excellence in our work and take one step further to ensure our services are attuned to our members’ needs in delivering a seamless customer experience via a powerful e-platform and experienced and committed staff.

                                                              Commitment & Principles:
                                                              Bringing Value
                                                              Innovation and inspirations through insight and services.
                                                              Connectivity
                                                              Connectivity with clients, taking one step further in delivering client-centric solutions
                                                              Trusted
                                                              A reliable and trusted partner to stakeholders.

                                                              Giving Back to Community

                                                              Our community is where we are, and that’s why we focus heavily on giving back and supporting those in need. From establishing BCT Next Academy (formerly "BCT Third Age Academy", which encourages continuing education and lifelong learning among people at different life stages), to supporting charity events and volunteering at community organisations, we understand the importance of a thriving and sustainable community and how it is conducive to a prosperous society. Our expertise in retirement planning, advocacy for financial literacy and our care for the community have garnered BCT numerous awards, a validation that we are a company putting members and the community first. We will be there for our members, “heart to heart, hand in hand”, creating a quality retirement for them and their loved ones.

                                                              A “regular employee account” is an MPF account of which the primarily mandatory contributions and any voluntary contributions are paid in respect of any current employment of a member of an MPF scheme.

                                                              Just a few steps to join us:

                                                              Step 1
                                                              Receive Form
                                                              Receive Form

                                                              You will receive an enrolment form from your employer.
                                                              You may also download the complete BCT (MPF) Pro Choice Information Kits - Regular Employee and read our Offering Documents before enroll.

                                                              BCT (MPF) Pro Choice Information Kit (Regular Employee):

                                                              ‧ MPF Scheme Brochure : BCT (MPF) Pro Choice
                                                              Download Form

                                                              Product Summary
                                                              Download Form

                                                              Company Leaflet
                                                              Download Form

                                                              Member Enrolment Form
                                                                
                                                              (Master Trust Scheme – BCT (MPF) Pro Choice) [AP(REE)–MT]
                                                              Download Form

                                                              Scheme Member's Request for Account Consolidation Form
                                                                 (For Consolidating Multiple Personal Accounts into One Account) [MPF(S)-P(C)]

                                                              Download Form

                                                              Request for Fund Transfer Form
                                                                (For self-employed person, personal account holder or employee ceasing employment)  
                                                                and Statement of Authentication [RFT(MEM)]
                                                              Download Form

                                                               
                                                              download all but

                                                              Step 2
                                                              Selection
                                                              Selection

                                                              The investment choice you make should be based on your individual circumstances.

                                                              Step 3
                                                              Complete
                                                              Complete

                                                              Complete the Member Enrolment form.

                                                              Upon completion of your enrolment, you will receive:

                                                               

                                                               

                                                              A self-employed person ("SEP") is a person who earns income from the production of or trade in goods or services in a capacity other than an employee. If you are a sole-proprietor of or partner in a business, you are regarded as an SEP under the MPF System. If you are an SEP at least 18 but under 65 years of age, you have the legal obligation to enroll yourself into an MPF scheme.

                                                              Learn more about the definition of SEPSelf-Employed Person

                                                              For enrolment, please download the complete BCT (MPF) Pro Choice Information Kits – Self-employed Person, and read our Offering Documents before enroll.

                                                              BCT (MPF) Pro Choice Information Kit (Self-Employed):

                                                              ‧ MPF Scheme Brochure : BCT (MPF) Pro Choice
                                                              Download Form

                                                              Product Summary
                                                              Download Form

                                                              Company Leaflet
                                                              Download Form

                                                              Application Form - Self-employed Person
                                                              (Master Trust Scheme - BCT (MPF) Pro Choice) [AP(SEP)–MT]
                                                              Download Form

                                                              Scheme Member’s Request for Account Consolidation Form
                                                              (For Consolidating Multiple Personal Accounts into One Account) [MPF(S)-P(C)]
                                                              Download Form

                                                              Request for Fund Transfer Form
                                                                (For self-employed person, personal account holder or employee ceasing employment)  
                                                                and Statement of Authentication [RFT(MEM)]
                                                              Download Form

                                                               
                                                              download all but

                                                              A “causal employee account” is an MPF account of which the primarily mandatory contributions are paid in respect of any person who works in the construction industry or the catering industry on a day-to-day basis, or for a fixed period of less than 60 days.

                                                              Just a few steps to join us:

                                                              Step 1
                                                              Receive Form
                                                              Receive Form

                                                              You will receive an Enrolment Form from your employer, or you may download it here.

                                                              Step 2
                                                              Submission
                                                              Submission

                                                              Submit the completed enrolment form to BCT with a copy of your HKID Card / Passport

                                                              Once BCT receives your Enrolment Form, we will send you the following:

                                                              For enrollment, please download the form here.