Retirement planning blog and knowledge base
Educational articles on retirement planning, MPF, annuities, retirement healthcare and later-life legacy, written answer-first.
Personal Emergency Link
A personal emergency link lets an older person call for help at the press of a button. Home units vs mobile devices, fees, subsidy routes and how to apply.
Read article →
How to make a will
A valid Hong Kong will must be in writing and signed by the testator before two witnesses present together. Requirements, DIY vs solicitor and mistakes.
Read article →
Dementia: Planning & Care
Dementia often causes mental incapacity. Why to arrange an enduring power of attorney, advance directive and will while still capable, plus care options.
Read article →
Monthly stock investing & dollar-cost averaging
How dollar-cost averaging (monthly stock investing) works, its pros and risks, and how it compares with lump-sum and dividend strategies for retirement.
Read article →
MPF TVC
MPF Tax Deductible Voluntary Contributions (TVC) explained: how TVC differs from other contributions, fund choice, withdrawal at 65 and the tax cap.
Read article →
Longevity risk
Longevity risk is living longer than expected and your savings not lasting. Hong Kong life expectancy, and how annuities and cash-flow planning address it.
Read article →
Family trust
A family trust hands assets to a trustee to manage and distribute by your wishes. How it works in Hong Kong, its pros and costs, and whether it suits you.
Read article →
Disability Allowance
Hong Kong's Disability Allowance is paid monthly by severity, with no asset or income test. 2026 normal and higher rates, eligibility and how to apply.
Read article →
Critical illness insurance
Critical illness insurance pays a lump sum on diagnosis of a covered illness. Compare it with hospital and accident cover, and single vs multiple claims.
Read article →