Contact Us Career@BCT
                                search
                                AAA

                                                              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. 
                                                              I have read and understood
                                                               
                                                               

                                                              Special Business Arrangements (11 Jan 2022)

                                                              Special Business Arrangements

                                                               

                                                              To safeguard the health of our customers and staff and mitigate infection risks of the novel coronavirus, the customer service counters at BCT Group’s office in Sheung Wan will be temporarily closed until further notice. While our hotline services will continue to operate as normal. During this period, customers are welcome to call or make enquiries via the following channels.

                                                              •       Member Hotline: 2298 9333 / Employer Hotline: 2298 9388 / Government Employee Hotline: 2298 9393

                                                              •       Login to Member / Employer Website

                                                              •       Email This email address is being protected from spambots. You need JavaScript enabled to view it.

                                                              •       BCT Smart Assistant “Macy”

                                                               

                                                              For the branch services arrangement of our Servicing Banks, please refer to their homepage.

                                                               

                                                              Chong Hing Bank http://www.chbank.com
                                                              ICBC https://www.icbcasia.com
                                                              Shanghai Commercial Bank https://www.shacombank.com.hk
                                                              Dah Sing Bank https://www.dahsing.com
                                                              Fubon Bank https://www.fubonbank.com.hk
                                                              CMB Wing Lung Bank https://www.cmbwinglungbank.com
                                                              OCBC Wing Hang Bank https://www.ocbcwhhk.com
                                                              Public Bank https://www.publicbank.com.hk

                                                               

                                                              (Posted on 11 Jan 2022)

                                                              Loading data...
                                                              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.

                                                              OK

                                                              Image 002
                                                              Image MT
                                                              Interested to know more?
                                                              Retirement Calculator
                                                              Start Again
                                                              Want to learn more about the fund that fit your risk level?
                                                              Contact customer service hotline at 22989381 Let BCT call me
                                                              BCT eChannel Side Square 254x254 en