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See how a small change may make a big difference

The power of saving just 1% more

They say it’s the little things that count - and that's certainly true when it comes to saving for retirement. Thanks to the power of small amounts, just by putting an extra 1% of your monthly salary into your workplace pension scheme may make a big difference to your pension pot in 20 or 30 years.

The longer you give your money the chance to grow, the better, regardless of how close or far you are to retirement.

Power of small amounts calculator

Check out how saving 1% more may make a big difference to your pension pot



Start small and watch it grow
The beauty of saving extra for your workplace pension is that you probably won’t even notice the extra 1% going out because it comes straight out of your monthly salary.


Start early and take it up a notch

The more you can save into your pension, the more likely you may be able to retire and maintain your current lifestyle. The trick is to start early, save as much as you can now, and try to increase your savings every year to ensure you’re best placed to enjoy your retirement.


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*The above examples are based on certain assumption and they are for reference only. Approximation based on a 1% increase in contribution. Continued employment from current age to retirement age, 65. We assume you are exactly your current age (in whole number of years) and will retire on your birthday at your retirement age. Number of years of savings equals retirement age minus current age. Nominal investment growth rate is assumed to be 5.25%. Hypothetical rate of salary increase is assumed to be 3.1%. All accumulated retirement savings amounts are shown in future (nominal) Hong Kong dollars.

The value of investments and the income from them can go down as well as up, so you may not get back what you invest. This information does not constitute investment advice and should not be used as the basis for any investment decision nor should it be treated as a personal recommendation for any investment or action. Fidelity shall not be liable for any loss or damage arising from your reliance upon this information. The actual value of your investment are subject to many factors, it may be higher or lower than the above examples.