Please click Terms and conditions to read the Terms of Use of this website before proceeding. Please click the "Accept" button below to continue if you have read and agree to abide by the Terms of Use. Otherwise, please click "Decline" to leave the website.
Terms of Use
You must read the following information before proceeding. By accessing this website / application and any pages thereof, you acknowledge that you have read the following information and accept the terms and conditions set out below and agree to be bound by such terms and conditions. If you do not agree to such terms and conditions, please do not access this website / application or any pages thereof.
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.
Fidelity reserves the right to grant or revoke the authority to use the Fidelity Internet sites at its absolute discretion. Whilst every reasonable precaution has been taken to ensure the accuracy, completeness, security and confidentiality of information available through the Fidelity Internet sites, Fidelity makes no warranty as to the accuracy, completeness, security and confidentiality of such information. Fidelity, its affiliates, directors, officers or employees accept no liability for any errors or omissions relating to information available through the Fidelity Internet sites. Fidelity cannot be held responsible for any consequence of any action carried out by any user authorised or unauthorised.
These Terms of Use are in addition to any other agreements between you and FIL Investment Management (Hong Kong) Limited, including any customer or account agreements, and any other agreements that govern your use of FIL Investment Management (Hong Kong) Limited’s products, services, content, tools and information available on this website / application.
We reserve the right to change the website / application and the Terms of Use at any time without notice. If you use the website / application after the amended Terms of Use have been published, you will be deemed to have agreed to the Terms of Use, as amended.
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
This website / application includes material from third parties or links to websites maintained by third parties some of which is supplied by companies that are not affiliated with any Fidelity entity ("Third Party Content"). Third Party Content is available through framed areas, through hyperlinks to third party web sites, or is simply published on the site. The Third Party Content is protected by copyright pursuant to Hong Kong laws and international treaties and is owned or licensed by the Third Party Content provider(s) credited.
Fidelity has not been involved in the preparation, adoption or editing of such third party materials and does not explicitly or implicitly endorse or approve such content. Any opinions or recommendations expressed on third party materials are solely those of the independent providers, not of Fidelity.Fidelity is not responsible for any errors or omissions relating to specific information provided by any third party.
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
Messages sent over the Internet cannot be guaranteed to be completely secure. Fidelity will not be responsible for any damages incurred by investors as a result of any delay, loss, diversion, alteration or corruption of any message either sent to or received from Fidelity at investors’ request, over the Internet. Fidelity is not responsible in any manner for direct, indirect, special or consequential damages arising out of the use of this website / application.Communication over the Internet may be subject to interruption, transmission blackout, delayed transmission due to Internet traffic or incorrect data transmission due to the public nature of the Internet or otherwise.
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
Copyright, trade marks, database rights, patents and all similar rights in this site and the information contained in it are owned by Fidelity, its licensors or relevant third party content providers. Users may use the information on this site and reproduce it in hardcopy for their personal reference only. The information may not otherwise be reproduced, distributed or transmitted to any other person or incorporated in any way in to another database, document or other material. Any copy of materials which a user makes from the site must retain all copyright or other proprietary notices and disclaimers contained therein. Trade names referred to in this site are trade marks owned by or licensed to Fidelity or other content providers. Trade marks owned by Fidelity or providers of content on the site are used to act as an indication of source or origin of associated services. Nothing on this site should be considered as granting any licence or right under any trade mark of Fidelity or any third party, nor should a user attempt to use, copy adapt or attempt to register any similar trade marks to any trade marks or logos appearing on the website / application or in the Information herein.
Fidelity, Fidelity International, the Fidelity International logo and F symbol are trademarks of FIL Limited.
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
These Terms of Use shall be governed by the laws of Hong Kong Special Administrative Region.
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.
Global Sentiment Survey
Hong Kongers grow more optimistic amid economic recovery, but retirement preparedness still falls short
Hong Kong’s economy continues to recover, with growth reaching 3.5%, marking the third consecutive year of expansion. Against this backdrop, Fidelity’s annual Global Sentiment Survey shows improving optimism among Hong Kongers compared with last year. Nonetheless, retirement preparedness remains a major concern. At the same time, the advancement of artificial intelligence (AI) has sparked strong interest in its application to retirement preparation, underscoring the growing role of digital tools in financial planning.
Well-being
Understanding the emotional intensity and evaluating well-being across finances, health, work, and life.
Financial wellness
Assessing financial and investing confidence, as well as current habits related to spending, saving, and debt.
Retirement
Determining retirement timelines and understanding employees’ approach to financial planning and advice.
Workplace benefits
Understanding employees’ needs from their employers regarding compensation, benefits and support.
Well-being: Optimism among Hong Kongers rebounds
Overall sentiment among Hong Kongers has improved notably in 2025. Nearly six in ten respondents (59%) are optimistic about the next six months, up from 56% in 2024. Positive ratings have also increased across key areas, including work (45%), work-life balance (50%), and daily finances (44%). However, the proportion rating their retirement planning as good remains significantly lower, at just 30%.
In terms of financial goals, Hong Kong workers feel most confident about ‘maintaining current lifestyle/income’ (44%), ‘achieving better work-life balance’ (40%) and ‘preparing for later life’ (40%), while feeling least confident in ‘finding a new job’ (24%). More respondents are confident in achieving the long-term financial goal of ‘being financially comfortable in retirement’ (39%) than those who are not (27%).
Rising living costs continue to be the dominant source of financial stress, cited by 66% of respondents. Concerns about ‘the state of the economy’ and ‘saving enough for retirement’ weigh heavily on their minds, affecting more than 60% of respondents.
Hong Kong women remain cautiously optimistic about the future
Among female respondents, data also reveals that sentiment over the next six months remains broadly positive, with 62% expressing optimism and 22% pessimism.
Compared with the previous year, improvements are observed across multiple aspects of life and finances. Perceptions of a good work-life balance have increased from 45% to 50%, while those who consider their day-to-day finances in good shape has risen from 41% to 44%. However, retirement planning continues to be a key challenge in financial wellness, with only around 31% of women being satisfied with their retirement preparedness.
Women place emphasis on retirement-related goals, with 97%, 96% and 97% identifying ‘preparing for retirement and later life’, ‘being financially comfortable in retirement’ and ‘maintaining current lifestyle’ as their long-term financial goals respectively. However, only about 40% of respondents feel confident about achieving these goals, indicating a pronounced gap between aspiration and confidence.
Financial stress related to the cost of living and inflation has eased slightly, declining from 72% to 69%. More than half are concerned about longer-term planning, including saving enough for retirement (59%) and physical health (57%). This illustrates the close link between retirement planning and health-related risks.
Financial wellness: Spending restraint supports savings growth
In terms of spending habits, amid uncertain external economic conditions, half of the respondents state that they have spent less than they could afford in the past six months. Increasing savings and investments has emerged as their top financial priority. Only 24% reported overspending, down notably from 32% in the previous year.
For 40% of Hong Kong workers, savings have been kept consistent with the previous year. The percentage of respondents who have added to their savings has increased to 34% in 2025, up from 30% a year ago. Respondents attribute increased savings to spending less on non-essentials (34%), spending less on household expenses (32%) and securing higher paying jobs (32%); those who have saved less have decreased from 29% to 20%, with rising household expenses (45%) being the main cause.
Moreover, Hong Kongers are more focused on increasing their savings and investments (48%) compared with the previous year, and deem it the most pressing financial need, followed by managing day-to-day income and expenditure (23%).
Retirement: Hong Kongers start saving for retirement late
The survey reveals that retirement planning is a major concern of Hong Kongers. Most only begin saving for retirement at age 39 but expect to enjoy retirement at 62. Among them, younger workers* anticipate retiring earlier at 59 while older workers* expect to retire at 65.
Respondents believe they need HK$3.75 million to retire comfortably, yet savings balances do not appear to be keeping pace as the current median retirement savings for older workers* aged 55 or above stands at HK$2 million, signalling a substantial gap between expectations and reality.
In addition, concerns over health problems in retirement have increased slightly to 59%, while 39% worry their retirement savings will be depleted sooner than expected. Three in ten plan to work part-time after retirement, and a further 42% are considering it. It is worth noting that the reasons for considering post-retirement work are not limited to financial needs, but also since they want to maintain social connections and a sense of purpose. This reflects a gradual shift in attitudes toward work later in life.
AI in the Workplace: AI adoption gains traction in retirement planning
With AI adoption becoming increasingly prevalent, there is growing interest in using employer-provided AI tools to better understand workplace benefits and retirement planning. Most respondents have indicated that they are already using or intend to use AI to learn about their workplace benefits, understand how much to save for retirement, and explore ways to turn retirement savings into income.
When it comes to challenges of managing MPF, 16% of respondents indicate that they do not know how to choose MPF funds, 15% are unsure how much they need to save, and 9% have no idea how to start.
Workplace benefits: Satisfaction trails the APAC average
Hong Kong employees are relatively less satisfied with their job overall (25%) compared with the APAC average of 38%. When it comes to top features that are essential when deciding to stay with their organisation, younger workers* value opportunities to advance (21%), while older workers* place greater importance on paid holidays (44%), competitive salary (37%) and job security (30%).
In terms of workforce stability, 17% of employees are likely to leave their organisation in the next six months. This likelihood decreases with age, with 20% of younger workers* likely to leave in the next six months, compared to just over one in ten (13%) older workers*.
Fidelity’s four guiding principles for financial wellness:
1. Maintain disciplined, regular investment
2. Adjust asset allocation in line with progress toward goals
3. Align spending patterns with life stage
4. Leverage AI and digital tools with professional advice
Charlotte Chan, Head of HK Global Platform Solutions & Head of Hong Kong at Fidelity International, said: “This year’s survey suggests improved sentiment and spending habits among Hong Kongers. Many have a clear sense of their financial goals, but confidence remains low, especially around longer-term needs. As life expectancy continues to rise, retirement planning needs to go beyond simply estimating required savings. Ongoing investment decisions and active management of asset accumulation and decumulation are becoming increasingly important.
Hong Kongers on average start retirement savings at age 39, which may not allow much time to grow their asset. However, it is never too early, or too late, to start planning for the future. It is encouraging to see many individuals increase their savings in the past year, the next step is to grow those assets. Historically, equities have tended to outperform cash over longer periods of ten years or more. Taking an active approach with appropriate risk can help build long-term financial resilience. When investing through a pension, money is typically held for many years. Even small, regular contributions can make a meaningful difference over time.”
*Younger workers, aged 20-38; Middle-aged workers, aged 39-54; Older workers, aged 55≥.
Understand Financial Wellness
Understand the definition and importance of being financial well
Determine your Financial Wellness
Assess your personal financial wellness with our easy-to-use tool
About the Fidelity Global Sentiment Survey
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).