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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.
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Languages
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See how a small change may make a big difference
Saving just 1% more may make all the difference
They say it’s the little things that count. And that's certainly true when it comes to saving for retirement. Just by putting an extra 1% of your monthly salary into your workplace pension scheme each month you may make a big difference in the income you’ll have in retirement.
As KP Luk, Head of Hong Kong at Fidelity International, explains: “Saving sufficiently for retirement might seem like a lofty goal, especially when household budgets are squeezed. However, saving just small amounts along the way may have a big impact when you’re ready to retire.”
Commit to popping an additional 1% into your workplace pension scheme now and thanks to the power of small amounts you stand to boost the pension pot you will have when you eventually come to retire. While 1% is a small percentage of your annual earnings, after 20 or 30 years it may make a significant difference to how much you have in your pension pot when you retire. That’s because the longer you give your money the chance to grow, the better. And regardless of how close or far you are to retirement, this saving method can still be suitable to you.
Let’s refer to the following hypothetical examples:
Start small and watch it grow
As demonstrated by the examples and the results of the calculator, to think big you should start small. Adding an additional $47, $84, or $127 a week to your pension savings may make a significant difference. And because we’re talking small sums, finding the extra money doesn’t have to mean huge sacrifices either, you can and should still grab that morning latte on the way to work to start your day. For even the most hard-pressed of savers with a little bit of discipline and a clear focus on your end goal it’s possible to free-up cash that you would otherwise fritter away and put it to far better use inside your pension instead, whether it’s staying in to cook and dine at home or ditch those unused TV and magazine subscriptions.
And the added beauty of saving into 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.
Take a step and look at the numbers
Use our interactive calculator to see how a small 1% increase in savings may make a BIG DIFFERENCE for you.
Consider taking it up a level
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 save as much as you can afford now and try to increase your savings every year to ensure you’re best placed to enjoy your retirement.
As KP Luk says: “In order to achieve your full retirement ambitions and continue the lifestyle you have now, start saving early and try to put aside as much as you possibly can.”
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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 5.2%. Hypothetical rate of salary increase is assumed to be 4% (2% inflation + 2% real salary growth rate). 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.