Retirement planning blog and knowledge base
Educational articles on retirement planning, MPF, annuities, retirement healthcare and later-life legacy, written answer-first.
Savings insurance
Savings insurance combines protection with saving and can provide retirement income. How it works, guaranteed vs non-guaranteed parts, pros and cautions.
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VHIS tax deduction
Premiums for certified VHIS plans are tax-deductible in Hong Kong. The annual deduction cap per insured person, who you can insure, and how to claim it.
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US Treasuries
US Treasuries are US government bonds seen as relatively steady income tools. How they work, and the pros and risks of using them for retirement income.
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Retiring in the Greater Bay Area
More Hong Kong elders consider retiring in the Greater Bay Area. How the Guangdong/Fujian Schemes keep allowances paid, healthcare and planning points.
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Choosing a care home
Choosing a care home means weighing type, care level, cost and subsidies. Private vs subsidised homes in Hong Kong, monthly cost ranges and practical tips.
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MPF offsetting abolished
MPF offsetting was abolished on 1 May 2025. What it means for employees and employers, and how long service and severance payments are now calculated.
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The three planning documents
Hong Kong's 'three treasures' are a will, an enduring power of attorney and an advance medical directive. Their purpose, differences and requirements.
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JoyYou Card $2 fare concession
The JoyYou Card gives Hong Kong residents aged 60+ the $2 fare concession. 2026 eligibility, how to apply, the '$2-or-20%' rule and Senior Citizen Card.
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Peace of mind in retirement
Saving harder can leave you more anxious. Real retirement security comes from sustainable cash flow and a complete plan, not a single lump-sum number.
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