Helping you build your retirement nest egg

AIA Happy Retirement Personal Savings Programme

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AIA Happy Retirement Personal Savings Programme

A premier solution with a wide range of wealth management services, that let you manage segregated investments which are dedicated to a happy retirement, with extra peace of mind. 

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Highlight Features

Excellent service

You'll get reassuring customer service support from our teams. We have long service hours to offer you support, which adds an extra dimension of convenience for you. You can access your account information quickly via this interactive website or AIA+ mobile app

Flexible savings options

  • Make quarterly or annual voluntary contributions, and/or ad-hoc lump sum contributions
  • Voluntary contributions rollover from the Existing Participant Personal Account 1,2
  • Transfer all or part of the vested benefits to an Individual Participant Personal Account upon cessation of employment 1,3,4

Diverse investments

Choose from a wide range of funds to find the right investments for you

Free fund switching

Unlimited free fund switching6.

 

If you are currently employed by a company that are utilising the AIA Macau Retirement Fund Services, or you are an ex-employee still holding with vested benefits, you can set up a Personal Account for voluntary contributions to make use of the same platform. You can also keep your existing balance separate in a new account, and then continue to invest. No set-up fee or annual fee will be charged.2, 3, 4, 5, 7

Do you need to delay your retirement?

  • With an individual shortfall of HK$2.7 million (median), a record-high among all previous surveys
  • Nearly 7 in 10 will not be able to achieve their retirement reserve goals
  • Those who cannot achieve their retirement reserve will have to delay retirement by over 12 years
Source: AIA Desired Retirement Tracker, March 2024
 
Note: Investment involves risks. Not all funds available under the Scheme would be suitable for everyone. Investment performance and returns may go down as well as up. For further details including fees and charges, and product features, please refer to the Management Regulation. You should consider your own risk tolerance level and financial circumstances before making any investment choices. 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 independent financial and/or professional advice and choose the fund(s) most suitable for you, taking into account your circumstances. You should not base your fund choices on this website alone and should refer to the Management Regulation for details (including fees and charges) before making any investment decisions.
 
  1. Applicable only to the ex-employee members of any associate participating in AIA Macau Private Pension Fund upon cessation of employment with the associate.
  2. All or part of the investment units will be rolled over directly to your Individual Participant Personal Account automatically upon your cessation of employment, if you have already had an Existing Participant Personal Account.
  3. Minimum transfer amount of the vested benefit from Associate Plan is MOP20,000 for those who have not joined the Happy Retirement Personal Savings Programme and opt to transfer his/her accrued benefit without making voluntary contribution. There is no minimum limit requirement for those who have joined the Happy Retirement Personal Savings Programme or opt to make future voluntary contribution.
  4. All or part of the investment unit holdings representing the vested benefits of the ex-employee members of any associate participating in AIA Macau Private Pension Fund, if selected upon cessation of employment, will be transferred to their Individual Participation Personal Account. The vested benefits transferred from their account under Employer Plan to their Individual Participation Personal Account will be invested in the same manner immediately before the transfer. There is no selling or buying of investment units during the transfer process. The contribution allocation/latest investment mandate of the Individual Participation Personal Account is not applicable to the accrued benefits being transferred under this transfer arrangement.
  5. Upon cessation of employment with the associate, the member may elect to become an Individual Participant.
  6. Unlimited fund switching requests via this Interactive Website or AIA+ mobile app but only one fund switching, or reallocation request is allowed in each scheme year if using paper format.
  7. Subjected to change by Management Company with prior notice.