Hong Kong is one of the most expensive cities to live in the world.

  • Have you imagined the amount you need for medical and healthcare expenses?
  • Have you allocated a sufficient budget for it?
  • Have you taken inflation into account?

Let us provide you some tips on how to age with grace and prosperity.


We all want to have a worry-free senior living especially after our retirement. Not only do we need a wealth plan to cover all the living and wellness expenses, including medical care, health care, but also maintaining the life-style activities and travelling that keep us happy. Furthermore, a good wealth plan can address the need to look after our family and beneficiaries.

Here are a few things to think about:

  • When you don't have an income, how much do you need each month?
  • How much do you need to set aside now to achieve your monthly drawdown requirement?
  • Let’s say you wish to have $50,000 living expenses per month starting age 80 to 100, how much do you need to set aside now if taking inflation into account?
  • When do you need to start saving?
  • How much investment return do you need to hedge inflation?
  • Who can help you to prepare your wealth and investment plan?

Here are some tips from ACF for what a retirement wealth plan should include:

Take into account services provided by the Government, insurance policies, and own resources
The portfolio of investments should be diversified to include:
  • Bank deposit
  • Some form of annuity policies (Government or private sectors)
  • Some allocation to capital preservation investment funds
  • Some allocation to growth investment funds
Aim to achieve an annual return from the investment portfolio to protect against long term inflation of expenses, and to provide monthly annuity payment to cover your living and care expenses

A comprehensive care plan helps to determine the lifestyle you wish to have in your senior years. The care plan should be prepared under the guidance of medical and/or caregiving professionals. It should include the following items:

Living Activities (Age at Home or at Elderly Home)
Primary Care
(Western & Chinese Medicine; Regular Health
Assessment & Monitoring)
Hospital Services (Public and/or Private)
Home Care & Post Hospital Rehabilitation Care
Living and Entertainment Expenses
Funeral Arrangements

Change is the law of life. Your care plan should be flexible to cater for any changes in life circumstances.


To age with grace and prosperity, ACF provides solutions and tools to help you to achieve worry-free elderly living, and to create a legacy to your loved ones after your passing.

  • A Living Trust is a legal tool established by an individual (the Settlor) to protect their assets and direct their distribution at a predetermined time (for example, six months after his/her death).
  • It lays out the terms of the trust and the assets that the settlor assigns to it. A trustee is designated by the settlor to control those assets for the benefit of the settlor and his/her beneficiaries.
  • A “Will” is a legal document that sets forth your wishes regarding the distribution of your property and assets after passing.
  • We, ACF, have the skills and experience to help you create your Will accurately and efficiently.

  • Set up a post retirement investment plan early, can help find peace of mind, so you have more time to focus on enjoying your golden years.
  • In setting up the plan, clear and specific retirement goals should be listed, then look for an investment plan that suits your needs.
  • You have all the liberty to choose multiple products to suit you risk and return expectations. It is prudent to seek the guidance from professional financial planners to help build a diversified investment portfolio for retirement purposes. We, ACF, are here for you.