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Your Guide to a Secure Retirement Through Smart Fund Selection
3 mins readWorried about retirement? Your investment decisions may directly impact your retirement savings. Understanding different types of MPF funds and their characteristics is the first step towards achieving your ideal retirement life.
ContinueYour Guide to a Secure Retirement Through Smart Fund Selection
3 mins readWorried about retirement? Your investment decisions may directly impact your retirement savings. Understanding different types of MPF funds and their characteristics is the first step towards achieving your ideal retirement life.
Continue4% Rule: The Golden Strategy for Retirement Planning
3 mins readThe 4% rule, a guideline proposed by American finance expert William Bengen in 1994, suggests that with proper investment management, you can withdraw 4% of your principal annually for living expenses without depleting your savings.
ContinueEverything You Need to Know About MPF Contribution
3 mins readThe MPF system is a cornerstone of retirement protection for employees in Hong Kong. Understanding the contribution requirements ensures both employers and employees fulfill their responsibilities correctly and can plan effectively for the future.
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Asset Allocation and Diversified Investment Strategies: Building a Robust MPF Portfolio
6 mins readA study published in the “Financial Analysts Journal” revealed that asset allocation influences over 90% of long-term investment returns, far outweighing the impact of individual security selection or market timing. In other words, effective asset allocation may significantly boost your investment results and may help to ensure your retirement savings grow more securely.
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Traditional Investment Wisdom: The 60/40 Stock-Bond Allocation
5 mins readThe 60/40 investment strategy is simple: 60% of the portfolio is allocated to stocks, while 40% is invested in bonds or other fixed-income assets. The aim of this mix is to strike a balanced approach: stocks offer higher growth potential and returns, while bonds provide stable income with lower risk.
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The Three-Bucket Strategy to Address Changing Financial Needs Throughout Retirement
4 mins readFinancial expert Harold Evensky's "Three-Bucket Strategy" offers retirees a sophisticated method to diversify funds and adapt to changing financial needs. By allocating resources across short-term, medium-term, and long-term horizons, this strategy provides financial stability even amidst market volatility.
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4% Rule: The Golden Strategy for Retirement Planning
3 mins readThe 4% rule, a guideline proposed by American finance expert William Bengen in 1994, suggests that with proper investment management, you can withdraw 4% of your principal annually for living expenses without depleting your savings.
Continue
Flexibly Withdraw Your MPF to Create a Steady Income in Retirement
4 mins readTypically, trustees are required to process at least four free installment withdrawals per year. If you don’t have urgent financial needs after retirement, you may want to consider not withdrawing your MPF all at once. Instead, take advantage of the flexible installment withdrawal option to "create your own long-term income," or even leave your MPF funds invested to continue growing within the plan.
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No Time to Pick Your MPF Funds? Default Investment Strategy Has You Covered
4 mins readMany Hong Kong employees don’t have the time or expertise to actively manage their MPF investments. For these individuals, the Default Investment Strategy (DIS), commonly known as the “Lazy Fund”, offers a simple, ready-made option.
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