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ORSO: Wayfoong Multi-funding System

Learn how our Wayfoong Multi-funding System, an ORSO retirement scheme, can help you plan your retirement

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.

Key benefits

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

New mobile functions for HSBC Life ORSO schemes now available on HSBC HK Mobile Banking App!

Members can now manage their HSBC Life ORSO portfolio via HSBC HK Mobile Banking App to check account balance, review fund performance and change their investment allocation and future contribution.

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 life
    Eligible 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 withdrawals
    If 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 you
    You'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 hassle
    We 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

Understand the cumulative performance (in terms of +/- percentages) of each investment portfolio under the Wayfoong Multi-funding System, since its inception.
View the unit price of different investment portfolios under the Wayfoong Multi-funding System.

Important information

Need help?

Meet with us

Speak with our ORSO specialists today. They'll be able to address your enquiries directly.

Call us

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.

Find out more

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.


Find the most commonly used forms for matters relating to Wayfoong Multi-funding System. You can also see the latest investment performance reports here.


Whether you're an employer or employee, you can find the answers to questions about ORSO here.