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10 tactics for your ideal retirement planning powered by Standard Chartered and Prudential

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10 tactics for your ideal retirement planning.

10 tactics for your ideal retirement planning powered by Standard Chartered and Prudential

Ideal retirement planning

Retirement requires 300 times1 your current monthly expenses. Act now to plan ahead by employing the 10 Retirement Tactics jointly presented by Standard Chartered and Prudential.

10 Retirement Tactics

10 Retirement Tactics to suit your unique needs and set you up for a stress-free retirement with comprehensive protection.

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10 tactics for your ideal retirement planning

Retirement requires 300 times your current monthly expenses. Act now to plan ahead for the massive expenses to get yourself on the right path to a comfortable retirement.


1. Calculation for reference only. The Rule of 300 is derived from “4% Rule” introduced in 1998 to estimate the total amount of expenses you need after retirement, which is the annual expenses divided by 4% (assuming the annual investment returns are 4% and to be used as annual retirement expenses). For example, if the monthly expenses after retirement are $30,000, simply multiply $30,000 by 12 months and divide the amount by 4%, the total amount needed after retirement will be $9,000,000 ($30,000 x 300 times). Source: Philip L. Cooley, Carl M. Hubbard, and Daniel T. Walz (1998), Retirement Spending: Choosing a Sustainable Withdrawal Rate. The Journal of the American Association of Individual Investors, February 1998 issue.

2. This is the aggregate maximum limit per year for a single taxpayer for both QDAP and Tax deductible Voluntary Contributions (“TVC”). The amount of premiums paid under QDAP being certified by the Insurance Authority and the contributions made to a TVC Account do not represent the actual tax deductions you can get. Whether tax deduction is allowable for all or any part of qualifying annuity premiums paid under QDAP and TVC shall be subject to your individual circumstances (as taxpayer), the provisions of the Inland Revenue Ordinance (Cap. 112 of the Laws of the Hong Kong SAR) and the Inland Revenue Department’s discretion. You are reminded to refer to the website of the Inland Revenue Department ( for details or to contact them directly for any tax related enquiries.

3. The Home Care Service is provided by a third party service provider that has been designated by Prudential and Prudential may change both the scope of Home Care Service and the service provider from time to time at its sole discretion without prior notice.



  • The life assurance plans are life insurance products and are not bank deposit. They are underwritten by Prudential Hong Kong Limited (A member of Prudential plc group) (“Prudential“). Some of these plans may have a savings element and are not an alternative to ordinary savings or time deposits. Part of the premium pays for the insurance and related costs.
  • If you are not happy with your policy, you have a right to cancel it within the cooling-off period and obtain a refund of any premiums paid, less any withdrawals (if applicable), provided that no claim has been made under the policy. A written notice signed by you should be received directly by the Prudential’s Hong Kong Office at 8/F Prudential Tower, The Gateway Harbour City, 21 Canton Road, Tsim Sha Tsui, Kowloon, Hong Kong within the cooling-off period (that is, within 21 days after the delivery of the policy or issue of a notice (informing you or your representative about the availability of the policy and expiry date of the cooling-off period), whichever is the earlier). After the expiration of the cooling-off period, if you cancel the policy before the end of the term, the projected total cash value (if applicable) may be less than the total premium you have paid. You should check with Prudential if you have any doubt regarding your cooling-off right.
  • Standard Chartered Bank (Hong Kong) Limited (“Standard Chartered”) is an insurance agent of Prudential.
  • As the issuer of the life assurance plans, Prudential will be responsible for all protection and claims issues. Prudential is not an associate or subsidiary company of Standard Chartered. This website is not a contract of insurance and is intended to be a general summary for reference purpose only. Please refer to the policy for full terms and conditions. Standard Chartered does not accept any responsibilities regarding any statements provided by Prudential or any discrepancies or omissions in the contract of insurance nor shall Standard Chartered be held liable in any manner whatsoever in relation to your contract of insurance.
  • This website is intended to be valid in Hong Kong only and shall not be construed as an offer to sell or solicitation to buy or provision of any insurance product outside Hong Kong. Prudential and Standard Chartered do not offer or sell any insurance product in any jurisdictions outside Hong Kong in which such offering or sale of the insurance product is illegal under the laws of such jurisdictions. This website does not constitute a contract of insurance or an offer, invitations or recommendation to any person to enter into any contract of insurance or any transaction described therein or any similar transaction.
  • Whether to apply for insurance coverage is your own individual decision. During the sales process, this website should be read in conjunction with the relevant product brochure. For full terms and conditions, and risk disclosures of the relevant insurance plan, please refer to the relevant product brochure and policy document and read carefully.
  • In respect of an eligible dispute arising between Standard Chartered and the client out of the selling process or processing of the related transaction, Standard Chartered is required to enter into a Financial Dispute Resolution Scheme process with the client; however any dispute over the contractual terms of the product should be resolved directly between Prudential and the client.
  • Terms and conditions apply. For details, please refer to the relevant product leaflets and policy terms.

General Terms and Conditions:

  1. Standard Chartered Bank (Hong Kong) Limited (“Standard Chartered”) and Prudential Hong Kong Limited (“Prudential”) shall have the right to amend and terminate any of the above services or vary any of the terms and conditions for the above services without prior notice. In case of any disputes, Standard Chartered and Prudential shall have the absolute discretion to make the final decision.
  2. If there is any inconsistency or conflict between the English and the Chinese versions, the English version shall prevail.