Blog
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.
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.
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.
ContinueEnjoy Taxe Benefits and Accumulate Your Retirement Savings with MPF Tax Deductible Voluntary Contributions (TVC)
4 mins readIntroduced in 2019, TVC allows members to make additional voluntary MPF contributions while enjoying tax deductions. Under the current tax system, you can claim tax deduction of up to HK$60,000 per tax year. At the highest tax rate of 17% (for the 2023/24 tax year), this could result in savings of up to HK$10,200 in taxes. However, it’s important to note that this deduction cap applies to both TVC and qualifying annuity premiums.
Continue
Know more about MPF Constituent Funds – Equity Fund
3 mins readThe number of funds in the MPF market is increasing, providing employees with more options when planning for their retirement protection. To select the most suitable MPF fund for yourself, it is essential to understand the characteristics and risks of each type of fund.
Continue
Easy Steps for Fund Transfer: Learn More about Employee Choice Arrangement (ECA)
5 mins readMPF transfers involve switching investment portfolios within the same scheme, or transferring MPF to another scheme. This article, we will focus on the Employee Choice Arrangement (ECA).
Continue
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.
Continue
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.
Continue
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.
Continue
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
