In Hong Kong, MPF (Mandatory Provident Fund) and ORSO (Occupational Retirement Schemes Ordinance) are two retirement schemes that help individuals save for their retirement.

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MPF is a mandatory retirement savings scheme in Hong Kong. Employers and employees contribute regularly based on a percentage of the employee's income. Approved trustees manage the funds, investing them in various options like stocks and bonds. The accumulated funds can be withdrawn at retirement, reaching age 65, or in specific circumstances like permanent departure from Hong Kong.

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ORSO is a voluntary retirement scheme in Hong Kong. It allows employers to provide additional retirement benefits beyond MPF. ORSO schemes, managed by employers or trustees, offer more flexibility and tailored benefits. Contributions can be made by employers and employees, with funds invested according to scheme rules. Accumulated funds can be withdrawn at retirement, reaching a specified age, or as defined by the scheme's conditions.

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Investing in these schemes offers benefits for employees such as retirement income, tax advantages, employer contributions, investment growth potential, portability and flexibility in job changes, and government support through initiatives like the Tax Deductible Voluntary Contributions (TVC) scheme.

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Both MPF and ORSO aim to help individuals build up retirement savings and ensure financial security in their later years. While MPF is mandatory for most employees in Hong Kong, ORSO provides an additional option for employers who want to offer more comprehensive retirement benefits to their employees.

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Our team of experienced professionals is well-versed in the regulations, investment options, tax benefits, and intricacies of these retirement schemes. We stay up-to-date with the latest market trends, investment strategies, and regulatory changes, enabling us to provide tailored advice and guidance to our clients. With our specialized focus on MPF and ORSO, we are dedicated to helping individuals and businesses make informed decisions, optimize their retirement plans, and secure their financial future.

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