Start your retirement planning
The Wayfoong Multi-funding System, our flagship ORSO scheme, offers defined contribution scheme and defined benefit scheme to employers.
Employees will still be able to retain their investments through our Deferred Member Arrangement when they retire, change jobs or no longer participate in their current employer's retirement scheme.
ORSO features has been added to HSBC HK Mobile Banking app ! You can manage your ORSO account via the app now.
Get the support you need
Our team of ORSO experts and Relationship Managers are on hand to support you with your company's ORSO scheme
Leverage our wealth of experience
We have extensive experience in fund management that can help you make the most out of your retirement fund
Wide range of investment portfolio
Through our Wayfoong Multi-funding System, you'll be able to choose from and invest in a variety of diversified funds
ORSO management made easy
Manage your ORSO investments online or via HSBC HK Mobile Banking app at any time or simply by giving us a call
Why enrol in the Deferred Member Arrangement?
Through the Deferred Member Arrangement, eligible members can transfer and retain their benefits in a deferred member account even when they've ceased participation in an employer's retirement scheme.
- One account through every stage of lifeEligible members who cease participation in an employer's retirement scheme (Defined Contribution schemes only) under the Wayfoong Multi-funding System can enrol in this arrangement.
- Option to make partial withdrawalsIf you wish to cash out your investment portfolios, you can choose to withdraw your benefits from your deferred member account partially, from time to time.
- Keep your benefits wherever life takes youYou'll be able to enjoy the same investment flexibility as you did even when you've retired, changed jobs or no longer participate in your employer's retirement scheme.
- Make the transfer today without hassleWe make it easy to transfer your benefits[@mpf-wmfs-eligibility] into a deferred member account, so you can start your new job or retirement journey with peace of mind.
Investment portfolio and information
Cumulative performance (%) as at 30 January 2023
Historical Fund Price
Meet with us
Speak with our ORSO specialists today. They'll be able to address your enquiries directly.
You can call our ORSO service hotline on (852) 2288 6655. Lines are open between 8:30am and 7:30pm, Mondays to Fridays; between 8:30am and 1:00pm on Saturdays, except on public holidays.
Other ways to get in touch
ORSO complaint handling
Find out more
How can I change the investment allocation for my ORSO account?
How often will I receive my ORSO scheme member benefit statement?
Can I withdraw all my ORSO benefits under an MPF-exempted ORSO-registered scheme after ceasing my employment?
You may also be interested in
Find the latest news about ORSO and how it may affect you, or browse our archive for past notices and announcements.
ORSO forms and reports
Find the most commonly used forms for matters relating to Wayfoong Multi-funding System. You can also see the latest investment performance reports here.
Frequently asked questions about ORSO
Whether you're an employer or employee, you can find the answers to questions about ORSO here.