Retirement Planning

As the population collectively grows older, the working population will have to support a much larger number of retirees in Hong Kong.To help the ageing workforce save for their retirement, the Mandatory Provident Fund Schemes Ordinance (“MPFSO”) was enacted in 1995. The MPF (Mandatory Provident Fund) System was launched in December 2000. It is an employment-based retirement protection system. Except for exempt persons as set out in the MPF legislation, all employees and self-employed persons who are at least 18 but under 65 years of age must join an MPF scheme. Since the launch of “MPF Employee Choice Arrangement” (“MPF ECA”), also known as “MPF Semi-Portability”, in November 2012, employees have the autonomy to manage the accrued benefits from their employee mandatory contributions in a contribution account. To encourage the public to save early for retirement financial planning purpose, legislation has been passed to provide tax incentives for scheme members to make tax deductible voluntary contributions (TVC) starting from 1 April 2019.


Everbright Securities International offers ideal solutions for your MPF management because we:

  • Distribute MPF schemes of various MPF trustees who together have over 50% of the market share, so we provide a wide selection of different types of MPF schemes and their constituent funds
  • Provide market updates of different MPF trustees to assist you to set investment objectives for retirement and keep abreast of the market


Our Services

We provide you total solution MPF management service for both corporate and individual accounts, including:

  • Employer Account
  • Employee Account
  • Personal Accounts Consolidation
  • Employee Choice Arrangement (ECA)
  • Special Voluntary Contributions (SVC)
  • Tax Deductible Voluntary Contributions (TVC)

MPF & Occupational Retirement Schemes Ordinance ("ORSO") Service Partners

  • AIA Company (Trustee) Limited
  • Bank Consortium Trust Company Limited
  • Bank of East Asia (Trustees) Limited
  • BOCI-Prudential Trustee Limited
  • BOCOM MPF & Financial Services Company Limited
  • Manulife Provident Funds Trust Company Limited
  • Principal Trust Company (Asia) Limited
  • Sun Life Trustee Company Limited

    Investments involve risk. Please click here for the Risk Disclosure Statements.

In this website, whenever certain acts or activities, or the discussion of certain products, fall(s) or may fall within an insurance product and/or a MPF product, the relevant company of EBSI Group shall be taken to mean CES Wealth Management (HK) Limited (“CESWMHK”). CESWMHK is an insurance broker company licensed under the Insurance Ordinance (Chapter 41 of the Laws of Hong Kong) (Insurance Broker Company Licence No.:FB1134) and a registered principal intermediary at the Mandatory Provident Fund Schemes Authority (Registration No. IC000854).