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How to manage risk

During retirement planning, there are two major risks that must be considered - your own longevity and inflation risk.

Two risks to consider in retirement planning

Longevity Risk

With the improvement of medical conditions and living standards, life expectancy in China is increasing and catching up with developed countries. For modern Chinese, the length of retirement is almost equal to their working life. If you want to retire earlier, you should start planning earlier.

Inflation Risk

During retirement planning, you should have a forward-looking understanding of inflation risk. It is good practice to have extra funds in case of unexpected. Early planning can effectively alleviate the pressure of preparing your retirement funds.

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Global experts' advice to help you capture global investment opportunities and mitigate investment risks to meet your diversified investment and wealth management needs. Our investment products include:
Structured productsDual Currency Investment and Enhanced Yield InvestmentOverseas Investment Plan, and Local Unit Trust and Hong Kong Mutual Recognition of Funds.

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You could check our insurance partner policies including Health insurance, and Life insurance, and our Online service.

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Although the above information is carefully written, the Bank does not warrant, state or guarantee the accuracy or completeness of the above information. The above information is not and should not be regarded as an offer or purchase invitation for any financial product, nor should it be viewed as an investment proposal.