Retirement planning blog and knowledge base
Educational articles on retirement planning, MPF, annuities, retirement healthcare and later-life legacy, written answer-first.
Old Age Living Allowance
The Old Age Living Allowance (OALA) is a means-tested monthly allowance for eligible Hong Kong residents aged 65+. This article summarises the 2026 amount, asset and income limits, and eligibility.
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Public annuity & government support
The HKMC Annuity Plan, run by the government-owned HKMC Annuity Limited, lets people aged 60+ exchange a lump-sum premium for guaranteed monthly income for life. Here is how it works, with examples and cautions.
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Wealth succession
Common Hong Kong wealth-succession tools include wills, trusts, life insurance and enduring powers of attorney. This article compares their uses and cautions to help you plan early.
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Retirement expense calculation
Calculating retirement expenses means estimating housing, food, healthcare, transport and leisure item by item, then allowing for inflation. Here is a simple method, plus a calculator.
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DIY retirement income
A DIY retirement income means actively building regular post-retirement income beyond MPF, using savings, annuities and investments. Here is why MPF alone is usually not enough, and how to structure it.
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Retirement passive income
Retirement passive income is cash flow you receive without continuing to work. This article breaks down common Hong Kong sources — annuities, dividends, rent, bonds and savings insurance — and their trade-offs.
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