28/05/2026
退休同以前唔同晒㗎喇。而家唔再係只係工作幾十年之後休息幾年——而係一個全新嘅人生階段，隨時長達幾十年！💡
但隨住壽命延長同工作生涯變得複雜（hello，斜槓年代！），舊嘅儲蓄方式已經唔夠用。典型嘅退休收入而家只剩低退休前收入嘅一半都唔夠，數以百萬計嘅人面臨財務壓力。
咁點樣先可以建立一個更好嘅退休未來，而唔係淨係叫你「儲多啲錢」？宏利最近有篇文章，將成個方案拆解成五大特質：
1️⃣ 確保資金長久可用：重點唔單止係儲錢，而係要將舊儲蓄轉化為穩定收入，仲要跑贏通脹。
2️⃣ 人人受惠：退休制度要照顧到斜槓族、兼職員工同照顧者——而唔係得全職僱員。
3️⃣ 提供具安全網嘅靈活性：俾人選擇之餘，亦要有智能預設選項引導大家做出好決定。
4️⃣ 以建議建立信心：數碼工具同個人化建議可以幫助大家行啱條路，增加安全感。
5️⃣ 保持透明：信任就係一切。供款人需要知道制度係公平嘅，同埋睇到自己嘅錢表現如何。
準備好了解點樣建立一個令長壽值得期待、而唔係帶來壓力嘅退休制度未？
即刻睇我哋全文，深入了解：https://mpfratings.com.hk/language/zh/2026/05/28/退休新常態：為何亞洲退休金制度需要徹底改革/
Retirement isn't what it used to be. It’s no longer just a few years of rest—it’s a whole new chapter of life that can last for decades! 💡
But with longer lives and more complex careers (hello, gig economy!), our old ways of saving just aren't cutting it. Typical retirement incomes now cover less than half of what people earned before they stopped working, leaving millions in a tough spot financially.
So, how do we build a better retirement future without just being told to "save more"? A recent article from Manulife Hong Kong and Macau breaks it down into five key features:
1️⃣ Make the money last: It's not just about saving; it's about turning that nest egg into a steady income that beats inflation.
2️⃣ Include everyone: Retirement systems need to work for gig workers, part-timers, and caregivers—not just full-time employees.
3️⃣ Offer flexibility with guardrails: Give people choices but provide smart defaults to guide them toward good decisions.
4️⃣ Build confidence with advice: Digital tools and personalised advice can help people stay on track and feel secure.
5️⃣ Be transparent: Trust is everything. Savers need to know their system is fair and see how their money is performing.
Ready to learn how we can create retirement systems that make a long life something to look forward to, not stress over?
Read our full article here to dive deeper: https://mpfratings.com.hk/2026/05/28/the-new-reality-of-retirement-why-asias-pension-systems-need-a-makeover/
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本博客內容僅供教育參考，性質屬一般資訊，並未考慮個人實際狀況。讀者應自行評估資訊是否切合自身需要，並在適當情況下徵詢財務顧問的專業意見。
The information contained in this article is not advice, it is for educational purposes, general in nature and does not take into account personal situations. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser.
退休新常態：為何亞洲退休金制度需要徹底改革 / Mr MPF Zh / By Mr MPF 2026年5月28日 老實說，退休跟以前已經不一樣了。它不再只是長年工作後的幾年休息，而是長達數十年的全新人生階段，需要嚴肅的財務規劃。到2050年，全球約.....
