Sample profile: a typical 40-year-old HK salaried employee
Illustrative numbers only. Replace them in the panels with your own; the model saves your edits on this device. "Reset to defaults" restores this sample.
- Income & savings: about HK$40,000/month gross salary, with the maximum mandatory MPF (HK$1,500 employee + HK$1,500 employer). Take-home saving of HK$15,000/month, rising with inflation, split 70% global equity ETFs and 30% money market.
- Assets: about HK$2.1M, of which HK$800k is in MPF (default-fund style). The rest is bank savings, a money-market fund, bonds and equity ETFs.
- Plan: retire at 60 (so MPF early access at 60 applies), spend HK$25,000/month in today's money plus HK$4,000/month medical from 65, plan to age 90.
- Not in the sample: a mortgage (the model repays debts on day 1, so enter only debts you would clear at retirement), property, children's costs, tax, and any employer pension.
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chance the money lasts
Your portfolio & asset classes
Edit any number, or add your own asset class. Returns are compound annual, after fees.
| Asset class | Balance (HK$) | Return %/yr | Volatility % | Corr. to market | Crash % | Locked until age | Savings % | Avg/yr* | MPF? |
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Portfolio over time
How much can you spend?
Highest monthly spending (today's HK$) that still meets each confidence level, at your chosen retirement age.
When could you retire?
Chance the money lasts for each retirement age (dashed line = 90%).
Things to check
Assumptions & methodology (what the numbers are built on)
What your inputs imply
How a simulation works
Known limits
- Defaults are judgement, not forecasts. The return, volatility and correlation presets are round numbers for illustration. Check them against published capital-market assumptions and your own view, then see how sensitive the answer is.
- Not modelled: tax savings from contributions and TVC, MPF installment payouts, spouse or dependant costs, tax (including US estate-tax exposure on US-listed holdings), MPF, property, other income, one-off costs, currency moves, rebalancing costs, and any change in spending as you age.
- Insurance is treated as ordinary growth that can be withdrawn freely once unlocked. Real surrender values, guaranteed vs. non-guaranteed splits and penalties can differ.
- MPF rules used (checked Nov 2026): mandatory contributions are 5% each for employee and employer on relevant income up to HK$30,000/month, so at most HK$1,500 each per month. The MPFA's statutory review has floated higher limits, but as of mid-2026 that was still a proposal. MPF is normally released at 65, or from 60 if you have permanently ceased employment; TVC follows the same grounds. The TVC tax deduction (HK$60,000 a year) is shared with deferred-annuity premiums. MPF funds usually cost more than low-cost ETFs, so the MPF defaults are lower than the ETF-style ones. Verify against your trustee's statements.
- Returns are independent year to year apart from the turbulent-year switch, so long bear markets and valuation effects are only roughly captured.