Retirement planning blog and knowledge base
Educational articles on retirement planning, MPF, annuities, retirement healthcare and later-life legacy, written answer-first.
Longevity risk
Longevity risk is living longer than expected in retirement and your savings not lasting. This explains longevity risk, Hong Kong life expectancy, and how annuities and cash-flow planning address it.
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Family trust
A family trust hands assets to a trustee to manage and distribute by your wishes. This explains how a family trust works, its pros and costs, and whether it suits your family.
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Tax-saving trio
Hong Kong's 'tax-saving trio' usually means tax-deductible voluntary contributions (TVC), qualifying deferred annuities (QDAP) and VHIS. This compares their deduction caps and roles so you can save tax while preparing for retirement.
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Consolidating MPF
After years of job changes, MPF is often scattered across trustees. This explains the benefits of consolidating accounts, which accounts can be combined, and the steps.
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Gerontech
Gerontech is technology and services that help elders live safely and independently. This introduces common types, how to choose, and practical considerations when caring for parents.
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Probate
Probate is the legal process for handling a deceased's estate. This explains what it is in Hong Kong, the difference with or without a will, the rough process and timeline, and how to prepare early.
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Personal accident insurance
Personal accident insurance pays out on injury, disability or death from an accident. This explains what it covers, how it differs from medical insurance, and considerations for seniors and retirees.
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Dividend stocks for income
Dividend stocks are often used for retirement cash flow. This explains how dividends work, sustainability, common sectors and risks, and cautions for using them as retirement income.
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Choosing medical insurance
Hong Kong medical insurance comes in many forms — VHIS, high-end medical, hospital cash and group cover. This compares the types, how to choose, and healthcare considerations before and after retirement.
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Articles are grouped into themes so you can read by need:
| Category | Topics covered |
|---|---|
| Retirement basics | How much you need, five pillars, retirement age |
| MPF & annuities | Withdrawal, consolidation, annuity comparison, tax |
| Healthcare & long-term care | VHIS, vouchers, long-term care |
| Later-life & legacy | EPA, AMD, wills, trusts |
| Planning for parents | Practical articles from a child’s perspective |
Featured topics
- How much do you need to retire in Hong Kong?
- MPF at 65: lump sum or instalments?
- EPA vs will vs AMD
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