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Terms of Use
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General
This website / application has been prepared by FIL Investment Management (Hong Kong) Limited and for informational purposes only. FIL Investment Management (Hong Kong) Limited, FIL Limited and its subsidiaries are commonly referred to as Fidelity or Fidelity International ("Fidelity"). The information on this website / application is intended for Hong Kong residents and is for reference only. None of the Fidelity products referred to on this website have been approved for sale or purchase by any authority outside Hong Kong. Persons resident in territories other than Hong Kong should consult their professional advisers as to whether they may subscribe for the products and services described in this website / application or whether they require any governmental or other consents or need to observe any formalities to enable them to do so. Certain Fidelity products sold in Asia may be established in Luxembourg. The information contained in this website / application does not constitute a distribution, an offer to buy or sell any securities or the solicitation of any offer to buy or sell any securities, engage the investment management services of Fidelity in any jurisdiction in which the distribution or offer is not authorized or would be contrary to local laws or regulations. Without limitation, the information in this website / application is not for distribution and does not constitute an offer to buy or sell any securities in the United States of America to or for the benefit of United States persons (being residents or citizens of the United States of America or partnerships or corporations organized under the laws of the United States of America). It is the responsibility of the persons who access this website / application to observe all applicable laws and regulations.
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Use of website
Unless otherwise specified, information contained in this website / application does not constitute investment advice or recommendations. Users are solely responsible for determining whether any investment, security or strategy, or any other product or service is appropriate or suitable for them based on their investment objectives and personal and financial situation unless otherwise agreed by FIL Investment Management (Hong Kong) Limited. Any person considering an investment should seek independent advice on the suitability or otherwise of the particular investment. While certain tools available on the website / application may provide general investment or financial analyses based upon your personalized input, such results are for your information purposes only and you should refer to the assumptions and limitations relevant to the use of such tools as set out in this website / application. Users should consult their independent professional advisers should they have any questions. The information contained in this website / application is only accurate on the date such information is published on this website / application.
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Internet Communication
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Fidelity does not represent or warrant that this website / application will be available and meet investors requirements, that access will not be interrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to investors computer system. Investors have sole responsibility for adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties. Fidelity makes no representations or warranties regarding the accuracy, functionality or performance of any third party software or service providers that may be used in connection with the site.
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Governing Law
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Languages
In case of discrepancies between the English and Chinese language versions of these Terms of Use and content of this website / application, the English version shall prevail.
Roadmap to women’s financial and retirement journey
The social and economic implications of an ageing population are increasing. Women in Hong Kong are more likely to face challenges in retirement income as life expectancy increases to 88 years.
The Fidelity International Global Women and Money Study conducted in Hong Kong and seven other markets in 2023 found that women’s concern about the cost of living has intensified. Additionally, only 36% of women in Asia Pacific feel confident about their finances.
Women are less confident than men in their overall financial knowledge or ability to make the right decision about investing. The study revealed that women tend to focus on budgeting and saving rather than investing to expand their retirement income pool. Cash savings and term deposits are most popular amongst women to consider investing post retirement.
Despite the lack of confidence, 60% of women in Hong Kong are interested in managing their finances. They also prioritise education on investing and budgeting.
What women in Hong Kong had to say
Confidence level remains low
Less than half of women in APAC feel confident about their overall financial situation.
Women in Hong Kong are concerned about the cost of living (83%) and reduction of salary income (45%). They also find financial matters confusing (36%), posing an additional barrier to their retirement journey.
Implications of gender pay gap and contrasting investment attitudes
Women in Hong Kong reported on average holding 19% less in savings and 26% less in investments, when compared to men. This can contribute to longer term retirement income shortfalls.
Lack of confidence in their retirement income
Only 27% of women in Hong Kong believe their retirement fund can last for 20 years or more. In comparison, women in Hong Kong expect 25 years of retirement life.
Women in Hong Kong tend to focus on reducing their expenses, working for longer, and topping up their savings. Comparatively, a significantly higher percentage of men consider investing as an option for increasing their retirement income.
Expectations on risk and return in post-retirement investing
In Hong Kong, the majority of women expect 5-10% investment return after retirement and will only accept a fluctuation of ±5%.
This expectation can pose a barrier for women achieving their investments goals.
About the Fidelity International Global Women & Money Study 2023
The survey was conducted by YouGov in six markets between 22 December 2022 to 8 January 2023. Respondents are aged between 18 to 69 with 2,086 in Hong Kong, 2,115 in Singapore, 2,104 in Taiwan, 2,086 in Australia, 2,083 in mainland China and 2,101 in Japan. The UK section was conducted by Opinium and the Germany section was conducted by Kanter. The Hong Kong sample size is 1085 women and 1001 men.
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