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Start saving for retirement now!
31 Jul 2026
Fidelity’s Global Sentiment survey found that most Hong Kong workers see preparing for later life and being financially comfortable in retirement as their primary financial goals. Meanwhile, close to a third of older workers are anxious about using up their retirement savings too soon. For a carefree retirement life, start saving now!
1. Older workers worry about the insufficient retirement fund
According to Fidelity’s Global Sentiment Survey1, “preparations for later life” and “being financially comfortable in retirement” are the primary financial goals for 98% and 97% of Hong Kong workers respectively. Meanwhile, 30% of the older workers (aged 55 or above) are anxious about using up their retirement savings too soon, and 20% are worried about their inability to generate income after retirement.
The survey also reveals that 42% of respondents expect retirement expenditures to account for 26% to 50% of their pre-retirement income.
As a result, 19% of respondents aged 50 and above anticipate delaying their retirement, with 55% of them explaining insufficient retirement savings as the main reason.
To prevent facing a shortage of resources after retirement, workers should commence saving for retirement at the soonest.
2. Saving 20% of income for retirement
Fidelity's Retirement Savings Guidelines2 suggest that Hong Kongers should save 20% of pre-tax pre-retirement income starting from 25 years old. Fidelity estimates that you need to have 12 times pre-retirement income savings by age 65. That 12 times goal may seem ambitious.But you have many years to achieve it. It is recommended to have at least 2 times pre-retirement income by ag 30, 5 times by age 40, 8 times by age 50 and 11 times by age 60.
3. 1% Power of Small Amounts
If you have difficulty saving 20% right now, try to commit to an additional 1% contribution into your workplace pensions scheme. 1% of your income sounds small but the benefits of compounding over 20 or 30 years could may make a significant difference in the size of your pension pot when you retire.
Want to know how much of an impact a 1% increase in savings or workplace pension can make for you? Use our interactive calculator. See how a small change can make a big difference.
Indeed, 1% is just a start. The more you can save, the better. Whether it's 1%, 3% or 5% extra, the additional money saved today could make a big difference when it comes to helping you achieve the retirement you want.
1 The Fidelity Global Sentiment Survey was fielded to more than 38,000 working adults across 35 international markets. The sample consisted of respondents with the following qualifying conditions: aged 20-75, employed full-time or part-time and had a minimum income of: Australia: A$45,000 annually; China: RMB 5,000 monthly; Hong Kong: HK$15,000 monthly; USA: US$20,000 annually; Canada: CA$30,000 annually; UK: £10,000 annually; Mexico: $4,500 MXN monthly; Ireland: €20,000 annually; Germany: €20,000 annually; Netherlands: €20,000 annually; France: €20,000 annually; Italy: €15,000 annually; Spain: €15,000 annually; Japan: 1.5m yen annually; Brazil: R$9,266 monthly; India: ₹55,001 annually, Singapore: SGD$2,000 monthly; Denmark: 100,00 DKK annually; South Korea: 1m KRW monthly; Switzerland: 20 CHF annually; KSA: 4,000 SAR monthly; Sweden: 200,000 SEK annually; UAE 5,000 AED monthly; New markets surveyed in 2024: Argentina: ARS 3,000,001 annually; Chile: 3,000,001 CLP annually; Colombia: 7,000,001 COP annually; Kuwait: 6,000 KWD annually; Nigeria: 1,000,000 NGN annually; Philippines: P10,001 monthly; Poland: 20,000 PLN annually; South Africa: R20,000 annually; Thailand: 60,000 baht annually; Vietnam: 24,000,000 VND annually; Taiwan: NT$300,000 annually; Costa Rica ₡250k monthly.
The data collection, research and analysis for the above markets was completed in partnership with Opinium, a strategic insight agency. Data collection took place between September and October 2025. Reporting and analysis took place between November and December 2025. Not all regions were asked about sexual orientation or gender identities (individuals that did not identify as either male or female did not represent a statistically significant sample size and are not presented within this piece).
2 Fidelity Retirement Savings Guidelines is based on four key metrics - savings milestones, savings rate, income replacement rate and probable sustainable withdrawal rate. Fidelity Retirement Savings Guidelines suggest that people in Hong Kong should save 12 times their annual income by the age of 65 and save at least 20% of pre-tax income in order to maintain their current lifestyle in retirement. The Fidelity Retirement Savings Guidelines are for reference only and certain assumptions are applied.
* Younger workers, aged 20-38; Middle-aged workers, aged 39-54; Older workers, aged 55≥
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