Retirement planning

HSBC HK
Wealth Management
Retirement planning

Get a head start to financial freedom

Future planning is now accessible, less complicated and easier than you think. At HSBC, we'll help you map out your goals and guide you through the coverage you may need. We'll help you create the best wealth management plan to get to your goals – no matter where you're at, currently in life.

The only tool you need for financial planning

Future Planner

Find out if buying a cup of coffee everyday will delay your retirement? Or if you need to sacrifice your dream to buy a new home? Stop guessing and get your answers with Future Planner's life-like simulations.

One-stop financial planning

Forget about spreadsheet and calculators! Plan your life goals and wealth with a single tool.
Life-like projections

We provide a holistic forecast of your wealth, taking good or bad times and uncertainties into considerations.
DIY or find an expert

The financial plan set up on your HSBC HK App is synchronised with our relationship manager's platform. Plan finances at your own pace with advice from our experts.

Start planning for your future with HSBC HK App This link will open in a new window

Offers to jump-start your retirement planning

Enjoy HSBC Premier Welcome Rewards worth over HKD50,000

Enjoy rewards worth over HKD50,000[@premier-welcome-rewards] and a Below Balance Fee waiver for 6 months[@premier-trb] when you apply for HSBC Premier and complete designated banking transactions from 1 April to 30 June 2025. T&Cs apply.
Get premium discounts for our insurance plans

Enjoy peace of mind with monthly retirement income and health protection along with tax deductions. Get up to a total of 18.5% off[@investment-retire-insur-offer] the annualised premium over the first 5 years with our QDAP plans and up to 60% off first-year premium on VHIS plans. You can also start saving towards your retirement goal using our savings insurance plans with up to 20% off. T&Cs apply.

Enjoy $250 RewardCash for bond or unit trust subscriptions after completing the Future Planner

From 28 April to 30 June 2025, HSBC Premier Elite/ HSBC Premier customers can enjoy a $250 RewardCash rebate for unit trust or bond subscriptions of over HKD500,000 or equivalent in other currencies after completing the Future Planner through a branch. Terms and conditions apply. Investments involve risks.

Unit trusts

Invest in a diversified portfolio to achieve your financial goals

Bonds / Certificates of Deposit (CDs)

Enjoy stable interest income through investing in bonds and certificates of deposit (CDs)

Insurance

We've got you covered so you can live your best life, worry-free

Post-retirement evaluation tool

Ready to retire? Review your retirement plan and check how likely your savings will last

Book an appointment

Arrange for an appointment with our wealth management experts to get advice on your retirement planning.

Book now for an appointment This link will open in a new window

Notes

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.