Flexibly retain your ORSO benefits to enjoy potential investment growth

AIA Happy Retirement Wealth Management Programme

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AIA Happy Retirement Wealth Management Programme

A simple solution which allows you to retain flexible control of your ORSO benefits while continuing to benefit from the potential investment growth.

You can also choose how to withdraw your savings in a way that suits your specific needs or circumstances.

Highlight Features

Flexible ways to access your benefits

You can make regular withdrawals³, either monthly or annually, and alter the withdrawal amount and frequency in line with your personal needs. There is no setup fee and no annual fee.

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 information quickly online.

Continued investment in your existing platform

As you've probably had your ORSO savings for a long time, it's reassuring to know that with the Happy Retirement Wealth Management Programme, you will be familiar with the investment products. Take advantage of this by continuing to invest your existing portfolio in the same way as before.

Diversified investment choices

If you'd like to reinvest¹ your ORSO benefits, choose from the comprehensive range of funds you've grown familiar with over the years, and let our investment managers to look after your portfolio.

Free fund switching

Unlimited free fund switching²

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, investment performance and returns may go down as well as up. Not all investment choices provided by AIA will be suitable for everyone. Before making any investment decision, you must carefully assess your own risk tolerance level and financial circumstances, and refer to the relevant Principal Brochure for details (including risk factors and charges). If you are in doubt about the above information, you should seek independent professional advice.

The minimum benefit balance of participating in the Happy Retirement Wealth Management Programme is HK$100,000. All investment unit holdings representing the member's ORSO accrued benefits will be redeemed at prices on the redemption date, and the redemption proceeds will be re-invested within 30 calendar days from the redemption date in accordance with your choice of investment portfolio stated in Appendix to Notification of Member Termination. The redemption price may change according to market condition. The redemption price thus affects the redemption proceeds which will be re-invested in the Programme.
Except the AIA Guaranteed Fund. You are permitted to raise only one switch request out of the AIA Guaranteed Fund within the same calendar year. Please refer to the section entitled "Dealing in the Investment Portfolios" in the Principal Brochure of the Scheme for details, including conditions.
For regular monthly withdrawal, minimum withdrawal amount is HK$500 or above in multiples of HK$100. For regular annual withdrawal, minimum withdrawal amount is HK$5,000 or above in multiples of HK$100. No minimum account balance requirement for those participants who have placed a regular withdrawal instruction. You may opt to withdraw the whole ORSO balance in the duration of 5 years / 10 years / 15 years / 20 years by regular monthly or annual payments. The investment funds will be redeemed either on the 7th day or 22nd day ("Redemption Date") of each month. If withdrawal instruction is received by AIA Company (Trustee) Limited (the "Trustee") with complete information on any date between the 1st and the 15th day of the month (both days inclusive), the redemption will be made on the 22nd day of that month or the following business day if the 22nd day is not a business day. Or, if withdrawal instruction is received by the Trustee with complete information on any date between the 16th and the last day of the month (both days inclusive), the redemption will be made on the 7th day of next month or the following business day if the 7th day is not a business day. Withdrawal payment by cheque will be sent to participants within 30 calendar days from the Redemption Date. The member account under the Happy Retirement Wealth Management Programme would be automatically terminated when all funds have been withdrawn. There will be no penalty charges for account closure.