Retirement planning

HSBC HK
Wealth Management
Retirement planning

Get a head start to financial freedom

Future planning is now accessible, less complicated and easier than you think. At HSBC, we'll help you map out your goals and guide you through the coverage you may need. We'll help you create the best wealth management plan to get to your goals – no matter where you're at, currently in life.

The only tool you need for financial planning

Future Planner

Find out if buying a cup of coffee everyday will delay your retirement? Or if you need to sacrifice your dream to buy a new home? Stop guessing and get your answers with Future Planner's life-like simulations.

One-stop financial planning

Forget about spreadsheet and calculators! Plan your life goals and wealth with a single tool.
Life-like projections

We provide a holistic forecast of your wealth, taking good or bad times and uncertainties into considerations.
DIY or find an expert

The financial plan set up on your HSBC HK App is synchronised with our relationship manager's platform. Plan finances at your own pace with advice from our experts.

Start planning for your future with HSBC HK App This link will open in a new window

Offers to jump-start your retirement planning

Enjoy HSBC Premier Welcome Rewards worth over HKD55,000

Enjoy rewards worth over HKD55,000, including exclusive health check offers[@premier-welcome-rewards] and a Below Balance Fee waiver for 6 months[@premier-trb] when you apply for HSBC Premier and complete designated banking transactions from 1 July to 31 December 2024. T&Cs apply.
Enjoy 0.96% initial charge for the first Unit Trusts subscription upon retirement planning completion

HSBC Premier Elite and HSBC Premier customers who have completed retirement planning via Future Planner can enjoy a preferential initial charge of 0.96% for the first Unit Trusts subscription (no transaction limit). Offer valid till 31 December 2024. T&Cs apply, Investment involves risks. Learn more.
Get a chance to win an iPhone 16 Pro with FlexInvest upon retirement planning completion

From 1 October 2024 to 31 March 2025, HSBC Premier and Premier Elite customers who are new FlexInvest users can enter our monthly lucky draw for an iPhone 16 Pro 256B by confirming their retirement goal in Future Planner, and investing HKD5,000 with FlexInvest. Investments involves risks. T&Cs apply. Learn more.

Get premium discounts for our insurance plans

Enjoy peace of mind with monthly retirement income and health protection along with tax deductions. Get up to a total of 25% off^{Footnote link 3}[@investment-retire-insur-offer] the annualised premium over the first 5 years with our QDAP plans and up to 40% off our VHIS plans. You can also start saving towards your retirement goal using our savings insurance plans with up to 18% off. T&Cs apply.
Enjoy cash rebate through bond subscription upon retirement planning completion

HSBC Premier Elite and HSBC Premier customers who have completed retirement planning via Future Planner are entitled to HKD500 cash rebate for every bond subscription amount of HKD500,000 or equivalent in other currencies. Maximum cash rebate per customer is capped at HKD20,000. Offer valid till 31 December 2024. T&Cs apply, Investment involves risks. Learn more.

Unit trusts

Invest in a diversified portfolio to achieve your financial goals

Bonds / Certificates of Deposit (CDs)

Enjoy stable interest income through investing in bonds and certificates of deposit (CDs)

Insurance

We've got you covered so you can live your best life, worry-free

Post-retirement evaluation tool

Ready to retire? Review your retirement plan and check how likely your savings will last

Book an appointment

Arrange for an appointment with our wealth management experts to get advice on your retirement planning.

Book now for an appointment This link will open in a new window

Notes

The information as shown on this page is not for sales purpose and it is hypothetical and for illustration only. It is not intended to constitute a recommendation or advice to any prospective customers and is not intended as a substitute for professional advice. You should not act on any information on this page without seeking specific professional advice.

Products and services referred to in this website are offered only in jurisdictions where and when they may be lawfully offered by The Hong Kong and Shanghai Banking Corporation Limited. The material on these pages are not intended for distribution to, or use by, any person or entity in any jurisdiction where such distribution or use would be contrary to local law or regulation.

Note: Investment involves risks. Past performance is no guide to future performance. Investors must refer to the respective fund's offering documents for further details of the fund and the risks involved.