Retirement planning blog and knowledge base
Educational articles on retirement planning, MPF, annuities, retirement healthcare and later-life legacy, written answer-first.
Elderly CSSA
CSSA is the government safety net for elderly people in financial need, with a strict means test. The 2026 amount, eligibility and vs OALA.
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Old Age Allowance
Hong Kong's Old Age Allowance is HK$1,675 a month in 2026 for residents aged 70+, with no means test. Eligibility, how to apply and vs OALA.
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FIRE in Hong Kong
FIRE (Financial Independence, Retire Early) means passive income covers your living costs so you no longer depend on a job. How to start in Hong Kong.
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Cost of a comfortable retirement
Per the HSBC Retirement Monitor, a comfortable lifestyle for a retired Hong Kong couple costs about HK$30,740 a month. What it means and how to reach it.
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Participating insurance non-guaranteed returns
Participating insurance has guaranteed and non-guaranteed parts, and the latter may not materialise. Projections, fulfilment ratios and factors to weigh.
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DIY annuity / pension
A DIY annuity uses annuities, savings and investments to create your own stable monthly retirement income for life. The thinking, tools and cautions.
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Old Age Living Allowance
OALA 2026: HK$4,345 a month for eligible residents aged 65+. Asset limit HK$415,000 (single) or HK$630,000 (couple), plus income limits and eligibility.
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Public annuity & government support
The HKMC Annuity Plan lets people aged 60+ exchange a lump-sum premium for guaranteed monthly income for life. How it works, with examples and cautions.
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Wealth succession
Common Hong Kong wealth-succession tools include wills, trusts, life insurance and enduring powers of attorney. Compare their uses and cautions.
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