Are you ready for your dream retirement life?
With an average life expectancy of 86 in Hong Kong[@retire-life-expectancy], how will you unlock more possibilities and make the most of these precious years?
- Affluent individuals[@retire-aff-def] generally need to accumulate 10 years' worth of household income to secure their ideal retirement lifestyle[@retire-aff-fam].
- Affluent individuals[@retire-aff-def] expect to have a monthly passive income of HKD48,580 during their retirement[@retire-aff-fam].
- Over the past 10 years, medical expenses have surged by as much as 82%[@retire-med-exp], and prices are expected to rise by 49% in the next 20 years[@retire-inflation].
- Nearly 70% of people prefer a flexible retirement, with 43% considering 'mini-retirement' – taking breaks to travel or pursue interests – as the most ideal[@retire-aff-fam].
HSBC retirement planning – opening the door to your next great adventure
Family-first planners
Financial freedom seekers
Retirees
The YOLO Generation
Our comprehensive retirement solutions help you live life to the fullest
Create a steady income stream
- Retirement fund solutions targeting a 6% per year dividend payout rate[@retire-dvd-pay]We're a pioneer in introducing 9 dedicated retirement fund solutions, providing a predictable monthly income stream.
- Balance retirement portfolios with bonds for income, diversification, and lower volatility, allowing you to preserve your capital while generating predictable cash flow.
- Enjoy passive income[@retire-bond-dvd] with health and emergency coverage. Build your ideal retirement lifestyle while steadily growing your wealth.
Embark on a wellness journey
- HSBC VHIS plans provide comprehensive coverage of up to HKD40 million, covering even unknown pre-existing conditions[@insurance-vhis-flexi-preexistingconditions], with guaranteed policy renewals up to age 100[@insurance-lastbirthdaydefinition]. Besides, you can enjoy pre-approved cashless services, with no upfront out-of-pocket costs at over 5,100 medical institutions worldwide[@insurance-vhis-flexi-cashlessarrangements].
- With advanced wellness treatments and qualified healthcare professionals, our centre offers you personalised, science-based solutions such as weight management with Emsculpt and traditional Chinese Medicine (TCM) wellness for skin and hair. All these help you live a healthier life.
Savour life
- Enjoy up to a 12% year-round discount on hotels worldwide when booking on Expedia and Hotels.com with your HSBC Premier Mastercard® Credit Card. Learn more.
- Use your HSBC Credit Card to book your flight tickets in a single net transaction of HKD10,000 or above through the Cathay Pacific website and enter the discount code 'HSBC800' to get an instant HKD800 discount. Learn more.
Future Planner – retirement planning made easy
Wondering how much your ideal retirement will cost? Curious if early retirement is within reach? Check your progress and get a clear picture with Future Planner.
Enter your retirement age and expected monthly expense – it'll only take a few minutes. Future Planner will instantly show you[@retire-fp-cal]:
Start using Future Planner now – shape your retirement journey and step into the future with confidence!
The above screenshots are for reference only.
Plan for your future now
Start using Future Planner
Get started with the HSBC HK App.
Scan the QR code to open the app.
Book an appointment with our experts
Schedule an appointment with our wealth management experts to get advice on your retirement planning.
Award-winning excellence
7 out of every 10 Hong Kong affluent people in Hong Kong turn to us to help tailor their own retirement plan and realise the ideal retirement[@retire-7in10]!
Bloomberg Businessweek Financial Institution Awards
- Excellence Performance: HK Banking Sector - Premium Segment Client Service (2025)
- Excellence Performance: HK Insurance Sector - Brand of the Year (2025)
- Excellence Performance: HK Banking Sector - MPF Provider of the Year (2025)
- Excellence Performance: HK Banking Securities Sector - Wealth Management Platform (2025)
Notes
Investment involves risk.
To borrow or not to borrow? Borrow only if you can repay!
Disclaimer
Unit Trusts
The information is not and should not be construed as an offer to buy or sell any investment products, and should not be considered as investment advice. You should carefully consider whether any investment products are appropriate in view of your investment experience, objectives, financial resources and relevant circumstances.
Investment involves risk. Investors should not only base on this material alone to make investment decisions. Please refer to the offering documents of the respective funds for details, including risk factors. The price of units or shares and the income from them may go down as well as up and any past performance figures shown are not indicative of future performance. The information contained on this website is intended for Hong Kong residents only and should not be construed as a distribution, an offer to sell, or a solicitation to buy any securities in any jurisdiction where such activities would be unlawful under the laws of such jurisdiction, in particular the United States of America. Please refer to the unit trust disclaimer for further important details.
The contents of this page have not been reviewed by the Securities and Futures Commission.
Issued by the Hongkong and Shanghai Banking Corporation Limited
Bonds / Certificates of Deposit (CDs) ／Future Planner
This information is not and should not be construed as an offer to sell or the solicitation of an offer to purchase or subscribe for any investment. HSBC has based this list on information obtained from sources it believes to be reliable but which it has not independently verified. HSBC makes no guarantee, representation or warranty and accepts no responsibility or liability as to its accuracy or completeness. The information is subject to change without notice.
The performance information presented is not indicative of future performance.
Future Planner
All products in Future Planner are generalised for simulation purpose only without taking product suitability and personal affordability into account. The results may differ from the actual product behaviour, including but not limited to return, risks, premium amount, payment term, cash value, and coverage. We do not represent or warrant that any movements provided in the simulation tool are likely to occur in the future, as past performance is not necessarily indicative of future results. There may not be any HSBC product that provide the same outcome as the simulation in this tool. If you would like to understand how the simulation is projected and its assumption and limitation, please contact our staff. Note that we are not recommending or solicitating any investment and insurance products by way of Future Planner. Please note that the simulation provided in Future Planner is indicative and for reference only. You should not act on or place any reliance on any information on this page without seeking specific professional advice.
Insurance
The Hongkong and Shanghai Banking Corporation Limited ('HSBC') is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agent authorised by HSBC Life. The abovementioned products are a product of HSBC Life but not HSBC and it is intended only for sale through HSBC in the Hong Kong SAR.
HSBC Bright Income Insurance Plan is a long-term participating life insurance plan with a savings element underwritten by HSBC Life (International) Limited ("HSBC Life") which is authorised and regulated by the Insurance Authority ("IA") to carry on long-term insurance business in the Hong Kong SAR. Please refer to the product brochure for detailed features and the policy provisions for the detailed terms and conditions.
The HSBC VHIS Plans are life insurance plans underwritten by HSBC Life (International) Limited ("HSBC Life") which is authorised and regulated by the Insurance Authority ("IA") to carry on long-term insurance business in the Hong Kong SAR. They are not bank deposit or bank savings plan. Please refer to the product brochures for detailed features and the policy provisions for the detailed terms and conditions.
The services provided at ICC HSBC Life Health and Wellness (Longevity) Centre ("Services") are provided by independent third-party service provider ("Service Provider") engaged by HSBC Life (International) Limited ("HSBC Life"), subject to the terms and conditions of the Service Provider. HSBC Life is not the Service Provider, or its agent. HSBC Life makes no representation, warranty or undertaking as to the availability and quality of the Services, and shall not be responsible or liable for the Services provided by the Service Provider. Under no circumstances shall HSBC Life be responsible or liable for any act, omission or negligence in provision of the Services by the Service Provider. The general information provided for the Services is for reference only and shall not be considered as a medical treatment, diagnosis or recommendation. If you have any questions or enquiries, please seek advice from a registered medical practitioner.
ICC HSBC Life Health and Wellness (Longevity) Centre
The above services ("Services") are provided by independent third-party service provider ("Service Provider") engaged by HSBC Life (International) Limited ("HSBC Life"), subject to the terms and conditions of the Service Provider. HSBC Life is not the Service Provider, or its agent. HSBC Life makes no representation, warranty or undertaking as to the availability and quality of the Services, and shall not be responsible or liable for the Services provided by the Service Provider. Under no circumstances shall HSBC Life be responsible or liable for any act, omission or negligence in provision of the Services by the Service Provider. The general information provided for the Services is for reference only and shall not be considered as a medical treatment, diagnosis or recommendation. If you have any questions or enquiries, please seek advice from a registered medical practitioner.
This material shall not constitute any kind of advice or recommendation on health or any other matters. Please do not rely on this document for making any kind of decision. If you have any questions about the contents of this webpage, you should seek professional advice from independent parties. These contents represent general information only, and do not constitute any suggestions or recommendations of any products or services.
The Services are subject to change from time to time at HSBC Life's sole discretion. HSBC Life reserves the right to amend, suspend or terminate any of the Services,including the Service Provider and any details or terms and conditions relating thereto, at any time without prior notice at its absolute discretion. In the event of dispute, HSBC Life reserves the right of final decision.
Under any and all circumstances, HSBC Life and/or HSBC Group shall not be liable for any damages, losses or liabilities, including but not limited to direct or indirect, special, incidental, consequential damages, losses or liabilities, in connection with your or any third party's use of this webpage or your reliance on or use of or inability to use the information contained in this webpage.