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Retirement income

Retirement income depends on when payments start, how long they last and which amounts are guaranteed. A deferred annuity has a saving phase before income begins. Hong Kong tax relief and overseas tax treatment require separate checks.

General information only. The operator is a referrer, not a licensed insurance intermediary. We do not provide insurance advice or recommendations. A licensed broker is responsible for all advice and arrangements.

What usually matters

An immediate annuity starts regular income after a single premium; a deferred annuity has an accumulation phase before its annuity phase. IA: annuity phases and risks

QDAP deductions share a taxpayer limit with tax-deductible MPF voluntary contributions; buying additional policies does not create additional personal limits. IRD: qualifying annuity premium deductions

Questions to take to the broker

Ask for guaranteed income separately from projected bonuses, the last payment date and early surrender values.

Related sourced guides

Published product facts

Lists include every database record with a publicly sourced type matching the types below. Products and comparison groups appear A–Z by English name.The database is incomplete. Links do not confirm availability, residence acceptance, affordability or suitability.

  • QDAP
  • Savings

Comparison groups

Residence and cross-border rules

Hong Kong residents can use the local guides above. Overseas readers of any nationality should also check residence-country rules. A Chinese passport does not establish tax residence.Mainland visitors receive information only. The whole sales process, including signing, must take place in Hong Kong.

Country guides
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Sources & verification dates

Trust & licence checks — UK expats: Hong Kong insurance — Country guides