Symposium 9 - Retirement Preparation - A New Page of Life?

Mr Fung's session covers long-term investment strategies, self-assessment of financial goals and risk tolerance, the 2025 global investment outlook focusing on key markets like China, the US, Japan, India and EU, diversification approaches across equities, bonds and currencies, analysis of Hong Kong's economic recovery and housing policies.

The presentation, titled "Yo Yo 'Free' Retirement Life"《優悠退休三步曲》: Dream Big, Plan Smart – Achieving Wealth, Health and Live Well Goals", focuses on empowering individuals to dream big and plan smartly for their retirement to achieve wealth, health, and overall well-being. Delivered at the Hospital Authority Convention 2025, this symposium presents a structured approach to retirement planning while emphasizing practical goals for different life stages.


Key topics covered include financial strategies such as income replacement ratios, investment diversification, and annuities, tailored to varying risk tolerances and life situations. The session also explores the balance between aggressive and conservative investment approaches and how individuals can align their risk levels with financial objectives. By considering factors like inflation, liability profiles, and future expenses, the presentation seeks to guide participants in estimating the resources needed for a comfortable retirement lifestyle.


Through case studies and examples, attendees are encouraged to take a holistic view of their retirement journey, reflecting on aspects like standard of living, health care planning, and lifestyle choices post-retirement. The presentation highlights the importance of early preparation, offering insights into making informed decisions that align with long-term financial stability and personal aspirations.


Overall, the session provides actionable advice and tools to navigate retirement planning effectively, ensuring participants are equipped to live independently and meaningfully during their golden years. With clear strategies and practical tips, it aims to inspire confidence in participants as they prepare for this pivotal phase of life.

Retirement is often viewed through a predominantly financial lens. However, a truly effective retirement planning strategy goes beyond numbers, incorporating mental well-being and social engagement. This presentation showcases how employers can redefine retirement planning by adopting a comprehensive strategy, benefiting both employees and organizations alike.
Through my own retirement journey, I will highlight three key pillars of effective retirement planning: financial security, mental readiness, and social connectivity. Leveraging the stability of a defined benefit scheme, I transitioned confidently into retirement. My continued involvement in advisory boards and professional networks fostered meaningful connections, while community and faith-based initiatives brought purpose and fulfilment to this new chapter.
Employers can use innovative tools, such as digital platforms and virtual coaching, to provide tailored support for financial education, mental preparedness, and community building. These initiatives not only reduce employee anxiety but also foster a workplace culture of care and support. Beyond retirement, employees can transition into impactful roles as alumni ambassadors, mentors, and advocates-enhancing the organization's reputation and legacy.
Recognizing the diversity of employee needs, this presentation underscores the value of personalized retirement solutions. Retirement is not the conclusion of a career but the start of an enriching chapter that benefits individuals and organizations alike. Using real-life examples, actionable strategies, and engaging visuals, this presentation aims to inspire employers to view retirement planning as an investment in shared success and not a cost.