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RETIREMENT HUB

Navigate your wealth to a prosperous retirement

Discover practical tips and strategies to make more informed decisions and secure your financial future.

Why retirement matters more than ever

Increase80
years of life expectancy

2023 life expectancy at birth in Hong Kong was 83 for men and 88 for women1, a 7-year increase over 30 years. By 2039, 31% of the population will be aged 65 or above2.

Increase50%
of your savings could be eroded by inflation

With Hong Kong's CPI at +3.9% since 1981, $100,000 in savings today would be worth roughly half, or $50,000, in 20 years3.

Increase3.8%
MPF returns fall short of inflation

From 2000 to 2023, the average MPF annual return was +2.5%, failing to keep up with inflation4.

BlackRock - Your retirement partner

BlackRock's mission is to help millions of people experience financial wellness

We work with organizations and financial advisors who are committed to improving the financial well-being of our clients to help millions of people around the world achieve their financial goals.

100
of the Fortune 500 companies use our solutions to help their staff save for retirement5
Increase50%
of BlackRock AUM is related to the retirement6
Increase100
retirement specialists

Source: BlackRock, data as of 31 March 2025, unless otherwise noted. "Retirement-related" assets are defined as products and customers that are based on specific retirement tasks, such as superannuation.

What we think retirement should look like

Your path to retirement is personal. Your needs and your comfort with risk will change over time, meaning your investment strategy should change with you.

From building momentum early in your career to managing withdrawals in retirement – when it comes to saving for retirement, we believe a thoughtful and flexible approach is key to long-term financial wellbeing.

What we think retirement should look like

For illustrative purpose only.

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Harness the power of compounding – invest early & often

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Source: BlackRock as of 10/18/2023. For illustrative purposes only and is not indicative of the performance of any actual fund or investment portfolio. Does not include commissions or sales charges or fees.

*Source: Fama and French https://mba.tuck.dartmouth.edu/pages/faculty/ken.french/data_library.html. Shown in USD. The average annual return of the total US stock market over the period July 1926 to December 2022 was 9.9%. 10% is used as an approximation of the actual average return realized over the last 95 years. This was based on the assumption that investor invest into US stock.

Reinvesting income taps into the power of compounding, helping to grow your returns more effectively over time.

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Source: Morningstar, Bloomberg, and BlackRock as of 31/12/2022. Data shown in USD. For illustration purposes only. You cannot directly invest in an index. Past performance is not indicative of future results. Investment grade bonds represented by the Bloomberg US Investment Grade Index. Indicies are unmanaged and account for fees. High yield represented by the Bloomberg US Corporate High Yield Index. Global Equity represented by MSCI World. Returns are cumulative. Risk represented by the annualized standard deviation of monthly returns over the last 25 years.

Take the right risk at the right time

When you’re young, you can afford to take more investment risk. As you age and you’ve built up more savings, your investments should begin to shift to lower risk.

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Source: BlackRock. For illustration purposes only. Not a recommended asset allocation.

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Past performance is not a reliable indicator of future returns. Index performance returns do not reflect any management fees, transaction costs or expenses. Indices are unmanaged and one cannot invest directly in an index. Source: BlackRock Robert J. Shiller. Multi Asset Portfolio comprised of 60% S&P 500 index, and 40% 10 Year US Government Bonds. Probabilities represent the proportion of rolling investment periods of the specified length that delivered negative and positive real returns (using US Consumer Price Index as measure of inflation) between January 1871 and October 2024 based on monthly data. US indices used as proxy for global indices given large allocation to US in global indices. Data shown is for illustrative purposes only and not an actual portfolio or a recommended portfolio allocation. Diversification and asset allocation may not fully protect you from market risk. Another inherent limitation of these results is that the allocation decisions reflected in the performance record were not made under actual market conditions and, therefore, cannot completely account for the impact of financial risk in actual portfolio management. Each allocation strategies and targets depend on a variety of factors, including prevailing market conditions and investment availability. There is no guarantee that they will be achieved and any particular investment may not meet the target criteria. Actual investment outcomes may vary, and a client’s return will be reduced by the fees and any other expenses it may incur in the investments. Investment involves risks and past performance does not represent future performance. The information does not take into account the overall market situation and your financial situation. You should assess whether the information is appropriate for you in terms of your objectives, financial situation and needs. BlackRock cannot be held responsible for any direct or incidental loss resulting from applying any of the information provided herein.

Higher fees can eat into your long-term savings

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Past Performance is not a reliable indicator of future results and should not be the sole factor of consideration when selecting a product or strategy.

Source: BlackRock, as of 31 December 2024. Data shown in USD. For illustrative purposes only, based assumptions mentioned above. Note: the annual return is reduced by the level of the annual fee.

For Fee details, please refer to the Fund offering documents.

Pay your future self first

When it comes to taking action to save for your retirement, the more you focus on things you can control, the better.

Understanding market volatility

In this video, we discuss essential dos and don’ts to navigate the investment landscape effectively. Stay informed, but remember to invest wisely and maintain a steady approach!