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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.
Third Party Content
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While Fidelity makes every attempt to provide accurate and timely information to serve the needs of users, neither Fidelity nor the Third Party Content providers guarantee its accuracy, timeliness, completeness, usefulness or any other aspect of the information and are not responsible or liable for any such content, including any advertising, products, or other materials on or available from third party sites. You will access and use Third Party Content at your own risk. Third Party Content is provided for informational purposes only, and Fidelity and the Third Party Content providers shall not be liable for any loss or damage arising from your reliance upon such information.
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.
Intellectual Property Rights
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Third party marks appearing in this website / application are the property of their respective owners and used with the permission of such owners, where necessary.
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 retirement journey
By 2069, the number of women aged over 65 is expected to increase to nearly 1.6 million and account for 21% of Hong Kong’s total population1. Women are more likely to face challenges in planning their retirement as life expectancy increases.
The Fidelity Global Women and Money Study conducted in Hong Kong and six other regions in 2022 found that six in ten women in Hong Kong feel they are financially independent. However, only a small proportion said they are confident in their current financial situation.
One reason for this may be a lack of confidence in financial planning. The study revealed that women tend to have less savings and investments than men and are less active in their retirement contributions and planning. Nevertheless, the good news is that a majority (60%) of women in Hong Kong are interested in managing their finances.
Key observations and challenges of Hong Kong women
Women feel financially independent
Six in ten (59%) women in Hong Kong feel they are financially independent.
Women in Hong Kong believe financial independence is about having a personal income that can cover their everyday expenses and bills (57%), not having to rely on others for financial support (51%), having personal savings that can cover unforeseen expenses (50%).
Hold less savings and investments
Women in Hong Kong have reported that they hold on average 10% in savings and 11% in investments less than men. The gender pay gap and contrasting investment attitudes may have contributed to these differences.
Not confident in their retirement income
Nearly half of women in Hong Kong (46%) think they will not have enough to fund the income they want in retirement.
Younger women in Hong Kong are likely lack confident in having enough retirement fund. However, the confidence level increases with age.
Less active in their retirement contributions and planning
In Hong Kong, only 37% of women actively make decisions about how their pension should be invested, and 34% of women feel comfortable making investment decision.
In addition, less than a third (27%) of women regularly make additional contributions to their pension.
About the Fidelity Global Women & Money Study
The research was conducted by Opinium between 7 January and 17 January 2022 among 14,052 men and women in Mainland China, Germany, Hong Kong, Japan, Singapore, Taiwan, and the United Kingdom. The Hong Kong sample size is 906 men and 1,094 women.
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1 Source: Census and Statistics Department HKRSA, Hong Kong Population Projections 2020-2069, September, 2020