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Family in beach; image used for Occupational Retirement Schemes Ordinance (ORSO).

Planning for retirement?

See how the ORSO retirement programme can set the stage for your precious golden years.

Retirement is truly a special milestone, when you get to savour everything you worked so hard for throughout your career. That's why you want to make sure that all the goals and aspirations you have for life after retirement will become a reality. This is where we come in.

The Occupational Retirement Schemes Ordinance (ORSO) schemes are retirement programmes established voluntarily by employers to provide retirement benefits for their employees. As one of the largest pension service provider in Hong Kong, we can help you to get the best mileage out of the money you worked so hard to put aside for retirement. Here's what we can offer, so you can pursue the lifestyle you want for your golden years:

  • A team of ORSO experts and relationship managers to support your company’s ORSO scheme

  • Extensive fund management experience aimed at helping you get the most value out of your money

  • A wide range of diversified investment choices

  • Manage your portfolio through online or hotline channels

Ask about ORSO services

HSBC ORSO Services Hotline

Wayfoong Multi-funding System

What are your plans after that last day of work? Do you want to travel the world, take ballroom dancing or boating classes? Are you planning to design and remodel your home? Everyone has different retirement aspirations. Customise your portfolio to suit your retirement needs by choosing from our comprehensive range of investment choices under the Wayfoong Multi-funding System, our flagship ORSO programme.

You can change your investment choices and investment combinations anytime as you move through different life stages, or as you go through a variety of milestones that could alter your retirement needs. It's our goal to make it as straightforward and convenient for you to manage your personal ORSO portfolio. All you need to do is log on to online banking from our website.

Deferred Member Arrangement

Recently retired, changed jobs, or encountering change of circumstances, but want to continue investing?
The Deferred Member Arrangement* under the Wayfoong Multi-funding System is a feature which enables eligible members to transfer and retain their benefits in a deferred member account upon cessation of participation in an employer’s retirement scheme.
Simply transfer your benefits to a deferred member account, and continue to enjoy the same investment flexibility as in the Wayfoong Multi-funding System, while having an option to partially withdraw your benefits from time to time to meet your liquidity needs. The transfer is hassle-free, and offers you a peace of mind while you transit to your new job, or as you begin your retirement journey.

Find out more about the investment choices available and how they've previously performed.

*The intended audience of the Wayfoong Multi-funding System – Deferred Member Arrangement are eligible members who will cease their participation in an employer’s retirement scheme (defined contribution only) in the Wayfoong Multi-funding System under a trust arrangement. For further details regarding the conditions for transfer of benefits, please refer to the ‘Application and transfer details for the Deferred Member Arrangement’ section in the ‘Principal Brochure’ of Wayfoong Multi-funding System - Deferred Member Arrangement.

Investment Choices

Get information on all the investment choice you can pick.

Fund Performance

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