Retirement planning blog and knowledge base
Educational articles on retirement planning, MPF, annuities, retirement healthcare and later-life legacy, written answer-first.
OALA asset test
OALA is means-tested. Based on Social Welfare Department rules, see the 2026 counted and exempt assets and the latest limits to check your own eligibility.
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Annuities, insurance & OALA
Annuity premiums are generally exempt from OALA assets, but monthly annuity payments count as income; insurance cash value is exempt. Based on SWD rules.
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OALA review & self-check
OALA is reviewed periodically and assets must be declared honestly. A self-check checklist for application and review, common pitfalls and documents.
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Personal accident insurance
Personal accident insurance pays out on accidental injury, disability or death. What it covers, how it differs from medical insurance, and retiree points.
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Dividend stocks for income
Dividend stocks are often used for retirement cash flow. How dividends work, how sustainable they are, common sectors, and the risks for retirees.
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Choosing medical insurance
Compare Hong Kong medical insurance types (VHIS, high-end medical, hospital cash and group cover), how to choose, and what changes around retirement.
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Silver Bond
The Silver Bond is an inflation-linked Hong Kong government retail bond for older residents, with a guaranteed floor rate. How it works and how to apply.
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Caregiver support
Caring for ageing parents takes energy and money. Government and community support for caregivers, financial planning points and your own wellbeing.
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A domestic helper for elderly care
Hiring a foreign domestic helper to care for ageing parents is common in Hong Kong. Monthly costs, hiring arrangements and what to note for home care.
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