強積金僱員自選安排

強積金制度是本港退休保障的重要支柱。 “僱員自選安排”讓僱員有更大的自主權，可以每年壹次，選擇將供款帳戶內的僱員強制性供款所產生的累算權益，轉移至自選的強積金計劃。僱員亦可不作任何變動，把累算權益保留在僱主沿用的強積金計劃內繼續投資。

強積金僱員自選安排的影響

對僱主：

• 減少長期服務金/遣散費的支出
• 為僱員提供相宜的基金管理費，節省開支
• 增加員工歸屬感

對僱員：

• 有效反映複息效應， 提升未來退休後所得的財富
• 整合舊強積金個人帳戶，方便管理
• 集中資金投資於最理想的計劃內，減少收費同時增加回報

選擇強積金的優勢

• 更大的自主選擇權
• 更高的投資回報率
• 優良市場表現的基金

為何選擇美國萬利理財?

• 專業的理財水平
• 豐富的運作經驗
• 人性化的管理模式
• 量身定制的基金組合服務

我們的服務

• 專業的受託人挑選優良基金，達致最佳回報
• 免費的強積金諮詢服務，全面了解基金諮詢
• 定期的檢討投資組合，降低投資風險
• 免費的戶口整合服務，方便有效管理
• 免費的基金轉換服務，節省開支
• 量身定制的服務，以符合您的風險承受程度及財政狀況

What is Employee Choice Arrangement for MPF?

Mandatory Provident Fund (MPF) Scheme is one of the cornerstones for Hong Kong’s Retirement program. The Employee Choice Arrangement (ECA) gives employees greater autonomy, allowing them to, once a year, opt to transfer the accrued benefits derived from the employee mandatory contributions in their contribution accounts to a scheme of their own choice. Alternatively, they do not have to make any change. They can retain the accrued benefits in the original scheme selected by their employers.

Impact of ECA

For Employers:

• Lower the edundancy fee in the long term
• Provide the appropriate Funding Administration fee, lower your costs
• Enhance the sense of belonging of the employees

For Employees:

• Effectively reflect on the compounding effect, raising your fortune after retirement
• Compound the old MPF personal account, easier to manage
• Concentrate your capital into the most favorable portfolios, eliminating the costs while increasing the returns.

Advantages of ECA

• Greater autonomy and flexibility
• Higher investment returns
• More well-performed funds and investment choices

Why Money Concepts?

• Professional wealth management practices
• Rich experience in operation
• Humane mode of management
• Personalized fund portfolio investment services

Our services

• Professional trustee handpick great funds, achieve the best returns
• Free MPF consulting services, full comprehension on funds information
• Regular reflections on portfolios, lower the investment risks
• Free account consolidation services, easier to manage effectively
• Free funds transfer services, save the costs
• Personalized services, to find the best fit for your risk tolerance level and financial circumstances 

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