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Retirement planning

  Invest in a brighter future for you and your family  

Get a head start to financial freedom – plan your retirement early

Over 60% of people in Hong Kong aren't confident about their retirement and how to prepare for a better future. At HSBC, we make planning for your future easier than you think.

We'll help you plan the essentials, visualise your dreams and guide you throughout your retirement journey for a bright, secure future for you and your family - wherever you are in life.

Key stages of retirement planning

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Have a clear retirement goal

The sooner you start planning, the more secure your retirement will be. A good place to start is having a clear vision in your mind of what your retirement means for you.  

Here are a few things to think about:

  • the retirement dreams you want to fulfil
  • day-to-day living costs
  • protection you'll need against the unexpected, like medical insurance

Not sure where to start? Take a look at our HSBC Retirement Monitor to see how much Hong Kong retirees are spending.

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Make a savings plan

Once you know what your retirement will look like, work out how much you need to set aside for it.

You can use our Retirement calculator to work out how much you need to save to reach your retirement goal, and see how long this money will last you.

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Stick with your savings plan

Once you have a plan, start putting money aside regularly. To help you build up a saving habit and stick to it, set up a direct debit to transfer your savings into a dedicated retirement pot, savings account or other retirement saving product. You can start small and add more later but the earlier you start, the better.

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Choose the right investment products

Choosing the right products to help your pot grow is an important step. The money you earn from your retirement portfolio can make up a large part of your retirement pot.


There are some important factors to consider when choosing the right retirement products, like tax relief, the flexibility of contributions and withdrawals, and the level of risk to take. You could also choose multiple products to suit different needs and diversify your portfolio.

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Review your plan regularly

Retirement planning can take a few years, and it's not untypical for things not to go according to your plan all the time.


That's why you should review your progress regularly, at least once a year. You might discover some adjustments you need to make to keep your plan on track.

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Protect yourself and your family

Retirement planning isn't just about saving. Make sure you and your loved ones are well protected in case anything unexpected happens.  


You can use our Protection Need Calculator to check if your protection needs are well covered.

Book an appointment

Arrange an appointment today to get expert advice on your retirement planning.

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.

Your benefit is subject to the credit risk of the Company. Your premiums paid will form part of the Company's assets. You do not have any rights or ownership over any of those assets. Your recourse is against the Company only. This product is a product of the Company but not HSBC and it is intended only for sale in the Hong Kong SAR.

HSBC Life (International) Limited is incorporated in Bermuda with limited liability, and is one of the HSBC Group's insurance underwriting subsidiaries.