Retirement planning blog and knowledge base
Educational articles on retirement planning, MPF, annuities, retirement healthcare and later-life legacy, written answer-first.
Silver Bond
The Silver Bond is a Hong Kong government retail bond for older residents, linked to inflation with a guaranteed floor rate. This covers how it works, eligibility, how to apply, and cautions for retirement income.
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Caregiver support
Caring for ageing parents takes both energy and money. This covers the government and community support available to caregivers, financial planning points, and caring for the caregiver's own wellbeing.
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A domestic helper for elderly care
Hiring a foreign domestic helper to care for ageing parents is a common choice. This covers the monthly costs, hiring arrangements and things to note, to help you budget and prepare for home care.
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Savings insurance
Savings insurance combines protection with saving and can be designed for regular retirement income. This explains how it works, guaranteed vs non-guaranteed returns, and the pros and cautions for retirement saving.
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VHIS tax deduction
Qualifying premiums for a certified Voluntary Health Insurance Scheme (VHIS) plan are tax-deductible. This covers the annual cap per insured person, who you can insure, and how to claim.
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US Treasuries
US Treasuries are bonds issued by the US government, seen as relatively steady income tools. This explains how they work, the pros and risks of using them for retirement income, and what Hong Kong investors should note.
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Retiring in the Greater Bay Area
More Hong Kong elders are considering retiring in the Greater Bay Area. This covers how the Guangdong/Fujian Schemes let you keep receiving elderly allowances on the mainland, healthcare considerations, and planning points.
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Choosing a care home
Choosing a care home means weighing type, care level, cost and subsidies. This covers the difference between private and subsidised homes in Hong Kong, monthly cost ranges, and practical tips for choosing.
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MPF offsetting abolished
The MPF 'offsetting' arrangement was abolished on 1 May 2025. This explains what abolition means, the impact on employees and employers, and the segmented calculation of long service and severance payments.
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