智通财经APP获悉，8月1日，香港财经事务及库务局局长许正宇在第十届黄金时代展览暨高峰会上致辞 时表示，根据香港政府统计处的数据，65岁及以上长者人口比例预计将从2021年的20.5%上升至2046年 的36%。面对人口结构的转变，香港政府致力于推广银色财务及保障措施，协助长者善用财富与理财工 具，提升退休生活后的财务保障。香港政府的目标是通过全面的政策和措施，帮助长者有效管理财务资 源，确保他们在退休后能够享有稳定的生活及充足的经济保障。 关于"HKMC退休3宝"，许正宇介绍，香港按揭证券有限公司自2021年中推出"HKMC退休3宝"，包括安 老按揭计划、保单逆按计划及香港年金计划，协助巿民将多年努力工作而储下的"砖头、保单、存款"变 为"长粮"，让大家能用好其"退休3宝"，为退休生活提供灵活且稳定的收入来源，填补市场缺口。这三 项产品均以提供即时、稳定及终身收入为目标，协助长者管理退休后的财务风险。 许正宇介绍，香港退休保障的核心支柱是离不开强积金的。截至去年年底，全香港由60岁及以上人士持 有的强积金帐户约有150万个，总资产达1800亿港元，占强积金总资产的14%。为提升强积金的投资效 益与灵活性，香 ...

Group 1: Elderly Population Growth and Government Initiatives - The elderly population in Hong Kong aged 65 and above is projected to increase from 1.45 million in 2021 to 2.74 million by 2046, representing 36% of the total population [1] - The Hong Kong government is implementing a "home-based care" policy to provide long-term care services for frail elderly individuals, ensuring they receive appropriate care in the community or care homes [1] - A working group led by the Deputy Financial Secretary has developed a plan for "elderly-friendly building design," focusing on accessibility, flexible residential designs, enhancing elderly well-being, and facilitating the use of technology [1] Group 2: Healthcare System Reforms - The Hong Kong government is reforming the healthcare system with a focus on "prevention first, community-based" care, including a pilot program for chronic disease management that offers partial subsidies for screening services [2] - The voluntary health insurance scheme, launched in April 2019, guarantees renewal of coverage until age 100, providing peace of mind for middle-class elderly individuals seeking private healthcare [2] Group 3: Cross-Border Elderly Care and Medical Cooperation - The "Guangdong Residential Care Service Program" offers additional options for eligible Hong Kong elderly individuals, with 15 participating care homes in six Greater Bay Area cities [3] - The Hong Kong government is expanding the "Elderly Medical Voucher Pilot Program" to allow eligible seniors to use medical vouchers at 21 service points across nine cities in the Greater Bay Area [3] Group 4: Retirement Financial Planning - The Hong Kong government has introduced various retirement financial products, including annuity plans and reverse mortgage schemes, to help retirees convert assets into stable monthly income [4] - Reforms to the Mandatory Provident Fund (MPF) system aim to streamline administration and encourage employees to actively manage their retirement savings [4] Group 5: Silver Economy Initiatives - The Hong Kong government has established a working group to promote the silver economy, implementing 30 measures to enhance the quality of life for elderly consumers and stimulate economic activity [5][6] - Initiatives include promoting "silver consumption" and "silver quality assurance" to encourage the development of high-quality products and services for the elderly [6] Group 6: Innovation and Technology in Elderly Care - The Hong Kong government is encouraging public research centers to support R&D projects related to elderly technology, aiming to commercialize innovative solutions for elderly care [6] - The "Elderly and Rehabilitation Technology Application Fund" has been expanded to include suitable home-use elderly technology products for eligible care service units [6]

Group 1 - The core viewpoint of the articles highlights a significant decline in the registration and application of reverse mortgages in Hong Kong, with June 2025 recording only 26 registrations, a decrease of 25.7% from May 2025, marking a seven-month low since November 2024 [1] - In the first half of 2025, Hong Kong recorded a total of 190 reverse mortgage registrations, which is a 14.8% decrease compared to 223 registrations in the same period of 2024 [1] - Bank of China Hong Kong has maintained the highest participation in the reverse mortgage market, accounting for 100% of the 26 registrations in June 2025 and holding a market share of 97.4% in the first half of the year, with a total of 185 registrations, down 15.1% year-on-year [1] Group 2 - The average age of reverse mortgage applicants is approximately 69 years, with an average property value of HKD 5.6 million, and the average monthly annuity amount is HKD 16,200 [2] - The most popular option among applicants is the lifetime annuity, which provides maximum security and eliminates repayment concerns, accounting for 53.4% of applications; the second most popular option is the 10-year fixed term, chosen by 21% of applicants for its higher annuity amount [2]

核 心 观 点 不同于其他地区，中国香港并未建立由政府管理的传统养老金第一支柱，而是以强制性公积金计划为主的多支柱养老金体系，那么，中国香港养老金主要投 资于哪些资产？养老金融产品有何创新？ 以强积金为核心的养老金体系。 中国香港养老金采用世界银行提倡的多支柱模式，但三支柱的定位及结构有明显差异。 首先 ，中国香港并未建立由政府管理 的传统养老金第一支柱，特区政府仅为资产和收入低于标准的老年人提供基本生活保障，实行由政府负担、社会福利署推行的综合社会保障援助计划和公共福 利金计划； 其次 ，第二支柱职业养老金以强制性公积金计划为主，以职业退休计划为辅，此外，第二支柱还包括特定群体养老金计划； 最后 ，第三支柱为私 人自愿退休储蓄计划，主要包括香港年金计划、安老按揭计划、合资格延期年金、可扣税自愿性供款和银色债券等。 中国香港养老金都投些什么？ 中国香港养老金在投资策略上呈现"政府保障+市场主导+个人灵活"的特点， 首先 ，公共养老金的资金完全由政府预算资助，不 涉及市场化投资运营； 其次 ，第二支柱养老金计划中的强制性公积金计划配股比例最高，其次是债券，再次是存款及现金，参与者可自行选择股票基金、混 合基金、 ...