RQ is an indicator of retirement readiness, serves as a reference for retirement planning of Hong Kong people to better prepare financially for their retirement. Test your RQ now.
How much do you agree with the following sentences?
"I think it is important to take a long-term perspective on life"
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Do not agree at all
Agree very much
"I always stick to the plan for retirement savings"
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Do not agree at all
Agree very much
"I always think of the quality of life after retirement"
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Do not agree at all
Agree very much
"I know what is "compounding effect" and how to apply it"
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Do not agree at all
Agree very much
"I know how to calculate my retirement needs"
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Do not agree at all
Agree very much
"I know what is "dollar cost averaging" and how to apply it"
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Do not agree at all
Agree very much
"I am clear about the amount of financial risk that I am able to take when making investments"
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Do not agree at all
Agree very much
"I know the current balance in all my pension account(s)"
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Do not agree at all
Agree very much
"People around me believe it is important to save for retirement"
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Do not agree at all
Agree very much
"I am confident that the bank, insurance company or fund house can manage my retirement plan well"
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Do not agree at all
Agree very much
Your RQ Score: (your score is for reference only, full score is 100)
52
Your score is relatively low. You may need to reduce your spending significantly in your retirement years.
Your score is average. You may need to adopt a modest living lifestyle in your retirement years.
Your score is relatively high. You seem to plan ahead and have full control of your financial situation. Keep building your reserves to enjoy a worry-free retirement.
Your score is higher than 53% of the employee respondents in the same survey*
Your detailed analysis
Goal Clarity
The extent that you perceive the future as important and are willing to save for a better retirement
Financial Knowledge
Understanding of investment and retirement planning concepts
Social Influence from Family and Friends
The views of family members and friends on retirement and the frequency of discussion
Trust in Institutions
The degree of trust and confidence you have in finance professionals to manage your investments and retirement plans
* AIA MPF Desired Retirement Tracker 6th Survey
RQ Test
RQ TestDisclaimer / Note:
This is a simple assessment tool to help you with your retirement planning. The assessment is based on data you have submitted and is for reference only. It does not take into account any other factor outside the parameter of this assessment tool. You should make your own investment choices based on your risk tolerance level and financial circumstances with or without reference to the result of this assessment. When, in your selection of funds, you are in doubt as to whether a certain fund is suitable for you (including whether it is consistent with your investment objectives), you should seek financial and/or professional advice and choose the fund(s) most suitable for you taking into account your circumstances. Please remember that personal circumstances change over time, you should re-assess your portfolio from time to time. You should not make investment choice based on this assessment tool alone. AIA, or its affiliates and staff, shall not be responsible for any losses, damages, claims, expenses suffered or incurred, or for any direct, indirect, special, incidental, exemplary, or consequential damages, including lost profits, arising from or related to the use of this assessment tool.