香港财库局：释放银发经济潜力 为香港长者构筑更稳健的未来

Group 1 - The population of elderly individuals aged 65 and above in Hong Kong is projected to rise from 20.5% in 2021 to 36% by 2046, prompting the government to promote financial security and wealth management for seniors [1] - The core pillar of Hong Kong's retirement security is the Mandatory Provident Fund (MPF), with approximately 1.5 million accounts held by individuals aged 60 and above, totaling HKD 180 billion, which accounts for 14% of the total MPF assets [1] - The Hong Kong government is working with the MPF Authority to enhance investment options and optimize returns, addressing public concerns regarding fees and investment choices [1] Group 2 - The launch of the MPF Easy platform in June last year is a significant reform, improving operational efficiency and reducing administrative costs, allowing citizens to manage their MPF accounts more conveniently [2] - MPF Easy utilizes financial technology to address long-standing issues within the MPF system, reinforcing its role as a pillar of retirement security for the elderly and stimulating the elderly economy [2] - The "HKMC Retirement 3 Treasures" initiative includes the Elderly Mortgage Scheme, Reverse Mortgage Scheme, and Hong Kong Annuity Scheme, aimed at converting assets into stable income sources for retirees [2] Group 3 - The Elderly Mortgage Scheme allows homeowners to unlock the value of their property, providing a fixed monthly income while continuing to reside in their homes, with over 8,400 applications approved as of June this year [3] - The Reverse Mortgage Scheme enables borrowers to use life insurance policies as collateral, converting death benefits into immediate cash flow, with the loan repaid from the insurance payout upon the borrower's death [3] - The Hong Kong Annuity Scheme offers lifelong annuities, with total premium applications reaching HKD 23.9 billion since the company's establishment, and a fourfold increase in premiums in the first half of this year compared to the same period last year [3]