Retirement planning blog and knowledge base
Educational articles on retirement planning, MPF, annuities, retirement healthcare and later-life legacy, written answer-first.
Blended family estate planning
No will after remarrying? Your spouse and children from a past marriage split the estate by law, which may force a home sale. How a will and insurance help
Read article →Single-income family protection
If the breadwinner dies or loses capacity, accounts can be frozen. An illustrative case shows how joint accounts, an EPA, insurance and a will help.
Read article →HK property for children overseas
Children in the UK or Canada want to keep the HK flat? A local executor, cash for probate, an EPA, and their reporting and rental tax explained.
Read article →Cross-border estate planning
Assets in Hong Kong, the UK and Singapore? Family may not know what exists, and each place may need its own grant. Asset maps, wills, UK IHT, liquidity.
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Dependent parent allowance
Support a parent aged 60+ and claim a HK$55,000 basic allowance, plus HK$55,000 more if they live with you all year. Eligibility, claiming and pitfalls.
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Hospital costs in Hong Kong
From 1 Jan 2026, Hong Kong public hospitals charge eligible persons HK$300 a day for an acute bed, with a new annual fee cap. Private costs vary widely.
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Income funds for retirement
Income funds are often used for retirement cash flow. Why payouts may come from capital, why yield isn't return, fees, and how they compare with annuities.
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Choosing MPF funds
How to choose MPF funds: fund types, expense ratios, risk by age and DIS, plus how the Employee Choice Arrangement lets you transfer once a year.
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Civil Service Pension
Hong Kong civil service retirement splits into the pension scheme and the CSPF, divided by 1 June 2000. Defined benefit vs contribution and the MPF link.
Read article →Categories
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
Related reading
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