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  • {{title}}

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    • ENJOY YOUR RETIREMENT YEARS

    ENJOY YOUR RETIREMENT

    Move towards a fulfilling life in retirement

    Did you know?

    Retiring early is one of the top three objectives of Hong Kong people in saving money1.

    attention

    THERE IS A WIDE GAP IN RETIREMENT PLANNING IN HONG KONG

    Hong Kong people are living longer. According to estimates, by 2041 the average life expectancy of local men and women will reach 84 and 90 respectively2. 67% of survey respondents would face a shortfall in their retirement reserves for the extended golden years3,4. Therefore, they might need to delay their retirement or compromise on a lower standard of living instead of realising their ideal picture of life in retirement.

    tired?

    LACKING A RETIRMENT PLAN

    A survey shows that half of the population has no definite plan for their future retirement. The majority keep over 40% of their savings for retirement in cash or time deposits3, these usually have very low interest rates, which does not offer growth and barely combats inflation. Nearly 45% are unaware of the investment returns of their MPF and pay little attention to their accounts3. All these make it even more difficult to reach their retirement goals. In fact, a comprehensive savings insurance plan can help you achieve your ideal financial goals for retirement.

    ARE YOU CONFIDENT THAT YOU WILL ACHIEVE YOUR DESIRED RETIREMENT GOALS?

    Are you confident that you will achieve your desired retirement goals?

    65% of respondents are not confident that they will achieve their goals3.

    The earlier you start planning for your retirement, the easier it is to achieve your ideal picture of life in the future.

    YOUR RETIREMENT WISHES

    Where would you like to live?
    Would you like to live with your loved ones?
    What plans do you have?

    YOUR CAPITAL FOR RETIREMENT

    Do you own any property?
    Do you have a saving habit?

    YOUR HEALTH CONDITION

    How is your health?
    Will your current habits influence your future health?

    YOUR BUDGET FOR RETIREMENT

    How much money do you think you need for your ideal lifestyle?

    are these your desired retirement goals?

    Average retirement age

    61.1

    years old

    MEDIAN OF RETIREMENT CAPITAL

    HK$4.03

    million

    MEDIAN OF DAILY LIFE EXPENSES PER MONTH AFTER RETIREMENT

    HK$13,386

    DO YOU HAVE SUFFICIENT RESERVES FOR RETIREMENT?

    Do you have sufficient reserves for retirement?

    67% of interviewees (i.e. two out of three) are expected to have insufficient capital to meet the need of daily expenses for their ideal life in retirement3,4.

    TIPS & ADVICE

    Masks

    FOCUS ON THE TARGET

    Think about your ideal quality of life in retirement and the actual expenses you will have so you can set a clear savings goal

    Moving..?

    PLAN AHEAD

    The earlier you start, the easier it is to achieve your goal

    Air purifier

    STAY KNOWLEDGEABLE

    Keep in the know about financial matters so you can protect your savings against inflation

    Stay healthy

    SEEK PROFESSIONAL ADVICE

    Ask for a financial planner’s help to find a solution that suits your needs

    SUGGESTED PRODUCT SOLUTIONS

    Life protection
    Insurance with investment focus

    Bonus Power Vantage

    Insurance with Investment Focus

    Whether you’re preparing an education fund, retirement savings or legacy planning, Bonus Power Vantage could help you accumulate wealth with potentially attractive returns to fulfil your financial goals and enrich your life.
    Life protectionSavings
    savings insurance

    Forever Love Coupon Plan 5

    Savings · Retirement Income

    A wealth accumulation plan with guaranteed cash payments, to helps you make promises that endure.
    Life protection
    Retirement Income

    Simply Love Encore 3

    Savings · Retirement Income

    Helps you enjoy stable returns and prepare for a fulfilling retirement.

    AIA DEFERRED ANNUITY PLAN

    Retirement Income · Savings

    Enjoy tax deduction of up to HK$60,000 per taxpayer each year and guaranteed Monthly Annuity Payment with flexible annuity arrangement for your retirement.
    Life protection
    Life Protection

    Admire Life 2

    Life Protection · Savings · Retirement Income

    Gives you a lifetime protection and stable returns to let you enjoy life with your loved ones.
    Life protection
    MPF

    MPF Tax Deductible Voluntary Contribution (“TVC”) 

    Tax Deductible Voluntary Contributions has come into effect in April 2019. When an eligible MPF/MPF-exempted ORSO scheme member makes voluntary contributions to a TVC account, he/she can enjoy tax benefits.
    Other retirement income products
    Browse MPF / ORSO / Macau pension solutions
    Life protection
    Macau Pension

    AIA MACAU NON-MANDATORY CENTRAL PROVIDENT FUND (INDIVIDUAL SCHEME)

    As the largest private pension provider in the Macau SAR5, AIA's wealth of experience and wide range of funds make us your ideal partner for managing your account, catering to your every need.

    The above information is for general reference only. It shall not constitute nor should it be taken as a substitute for professional advice from a financial planner on purchasing insurance policies. Your financial planner will make recommendations based on the result of your individual needs analysis (including affordability and suitability, etc.). For detailed analysis and advice, please contact us or your financial planner.

    Sources

    1 AIA’s The 7th “AIA MPF Desired Retirement Tracker” Survey (data collected August 2015).
    2 Census and Statistics Department, Government of the HKSAR, Hong Kong Population Projections 2012-2041.
    3 AIA’s The 7th “AIA MPF Desired Retirement Tracker” Survey (data collected August 2015).
    4 Independent actuarial calculations were applied to each respondent to project the retirement reserves he/she would have accumulated at retirement based on his/her current saving habits and retirement reserves. The calculations were then compared with the data provided by each respondent regarding his/her desired monthly living expenditure and the number of years that the reserves were expected to cover after retirement.
    5In terms of scheme membership and AUM. As at 30 September 2018, Statistical Data of Registered Private Pension Schemes, Monetary Authority of Macau.

    The above information gathered from external sources is made on a general basis and is for reference only. Please refer to the related data and information collection statement for details.

    Data and Information Collection Statement

    This webpage was designed and produced by AIA by searching internal and external data and information for information provision and reference purposes only. The content should not be considered to be the invitation, advice or latest information of any mentioned insurance products. When preparing and/or updating this webpage, AIA endeavours to ensure that the content is accurate, complete and updated but will not bear any responsibilities nor make any warranty or guarantee for the accuracy, completeness and timeliness of the information or for any claims and/or losses caused thereby. Any views or information mentioned and set out in this webpage are based on general situations. Readers should not regard them as advice. AIA reserves the right to change and modify the views and information set out in this webpage at any time without issuing prior notice. Before making any decisions about the theme of this webpage, you are recommended to seek independent advice from suitable professionals (such as doctors, nutritionists, financial advisers or lawyers, etc.). It is clearly stated that AIA will not bear any responsibilities for others’ usage or interpretation of the information listed in this webpage.

    Contact aia

    To fight against COVID-19 and in response to the government’s latest anti-pandemic measures, effective 2 December 2020, we will have new arrangements on the following services until further notice. We are sorry for any inconvenience that may cause.

    Hong Kong

    • Customer Service Centres & Cashier Offices:
      • For Customer Service Centre & its Cashier Office located in North Point, service hours will be adjusted to 10am – 5pm, Monday to Friday. Customers could book service via our mobile application AIA Connect (Profile > Contact AIA > Customer Service Centre Enquiry Appointment Service) or book it via our corporate website (https://www.aia.com.hk/en/help-and-support/individuals/appointment-form.html).
      • Customer Service Centres & its Cashier Office located in Kwun Tong will suspend their service.

    • Hotline Services:
      • All hotline services will remain normal.

     

    Macau

    • Customer Service Centres & Hotline Service:
      • Monday - Friday; 10am - 4pm

    • Cashier Office:
      • Monday - Friday; 8:45am – 5:15pm.

    Hong Kong

    (852) 2232-8888

    Hong Kong Island
    AIA Wealth Select Centre
    12/F, AIA Tower,
    183 Electric Road,
    North Point, Hong Kong

    Kowloon
    Suite 1313, 13/F,
    AIA Kowloon Tower,
    Landmark East, 100 How Ming Street,
    Kwun Tong, Kowloon, Hong Kong

    Mon-Fri: 8:45am – 6pm
    (Open through lunch)
    Sat, Sun & Public Holidays Closed

    Macau

    (853) 8988-1822

    1903, AIA Tower,
    Nos. 251A-301, Avenida Comercial de Macau, Macau

    Mon-Fri: 8:45am – 5:15pm
    (Open through lunch)
    Sat, Sun & Public Holidays Closed

    Contact aia

    To fight against COVID-19 and in response to the government’s latest anti-pandemic measures, effective 2 December 2020, we will have new arrangements on the following services until further notice. We are sorry for any inconvenience that may cause.

    Hong Kong

    • Customer Service Centres & Cashier Offices:
      • For Customer Service Centre & its Cashier Office located in North Point, service hours will be adjusted to 10am – 5pm, Monday to Friday. Customers could book service via our mobile application AIA Connect (Profile > Contact AIA > Customer Service Centre Enquiry Appointment Service) or book it via our corporate website (https://www.aia.com.hk/en/help-and-support/individuals/appointment-form.html).
      • Customer Service Centres & its Cashier Office located in Kwun Tong will suspend their service.

    • Hotline Services:
      • All hotline services will remain normal.

     

    Macau

    • Customer Service Centres & Hotline Service:
      • Monday - Friday; 10am - 4pm.
    • Cashier Office:
      • Monday - Friday; 8:45am – 5:15pm.

    Hong Kong

    (852) 2232-8888

    Hong Kong Island
    AIA Wealth Select Centre
    12/F, AIA Tower,
    183 Electric Road,
    North Point, Hong Kong

    Kowloon
    Suite 1313, 13/F,
    AIA Kowloon Tower,
    Landmark East, 100 How Ming Street,
    Kwun Tong, Kowloon, Hong Kong

    Mon-Fri: 8:45am – 6pm
    (Open through lunch)
    Sat, Sun & Public Holidays Closed

    Macau

    (853) 8988-1822

    1903, AIA Tower,
    Nos. 251A-301, Avenida Comercial de Macau, Macau
     
    Mon-Fri: 8:45am – 5:15pm
    (Open through lunch)
    Sat, Sun & Public Holidays Closed

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