Planning for Retirement

By the year 2016, more than one-third of Hong Kong's population will be over fifty years old. Life expectancy has been on a steady increase and is now (76.9 – in 1998). These trends make retirement planning even more important than ever.

Whether you picture yourself relaxing on a tropical beach, playing with your grandchildren, or simply not going to work each morning, you need to plan ahead to make your retirement dream a reality. It's never too early to start; let's make sure it isn't too late.

1	Develop a Plan: When do you expect to retire? How many years do you expect retirement to last? How much money will you need?
2	Create a Savings Strategy: Look at the various options you have for accumulating retirement savings; determine which are appropriate for you; estimate how much you need to invest in each
3	Manage Your Savings Strategy: Make regular contributions, review your status compared to your plan; adjust your investment risk tolerance at regular intervals
4	Retire: Manage your retirement accounts; protect your assets; and especially - enjoy your retirement

For most people, MPF benefits alone may not provide the level of financial independence and comfort you want in retirement. It's best to view MPF as a help during your retirement, but not as the only source of income.

Manulife offers a number of products and services to help you realize your retirement dreams. Our long experience in the Hong Kong investment and insurance market gives us a unique ability to help you find sound solutions to your financial questions.

>	MPF: Will your MPF benefits be enough to comfortably retire on? Should you consider voluntary contributions? Not sure? We can help...
>	Saving through Investment: Have you been building your retirement nest egg through sound investments? Have you been reassessing your risk tolerance as you get older? Not sure? We can help...
>	Protection & Saving through Insurance: If something were to happen to you, what would be the financial impact? Have you considered combining the benefits of protection plus saving for retirement through life insurance? Not sure? We can help...
>	Medical Insurance: Are you adequately covered for medical expenses? Could a serious illness destroy your plans for a financially secure retirement? Not sure? We can help...