年金計劃的功能 The Role of Annuity

13:30 - 14:30

主論壇 Summit Stage

大家是否曾經日夜憂慮,擔心著將來的開支可能會超出準備退休的儲蓄?
然而,一個穩定的保障收入,可能會使您對於退休生活更加安心。 年金是由負責支付收入的保險公司所開發的,當中亦有很多原因,令投資者將年金視為關鍵的退休儲蓄工具。
在去年七月,香港亦已經推出首個公共年金計劃,讓香港的長者,可以作出一次性的投資,以換取每月的終身收入保障。

參加本次會議,有機會讓大家通過嘉賓講者的分享,了解更多關於年金的各種解決方案。當您更加了解年金的作用,便可以幫助您考慮和決定年金是否適合您的需要。
 

Do you ever lie awake at night and worry about the potential of outliving your retirement savings?  A guaranteed income would probably give you some peace of mind. Annuities were developed by insurance companies that pays out income, and there are many reasons why investors look to them as a key retirement-savings vehicle.  In last July, Hong Kong also has launched its first public annuity scheme which allow Hong Kong ageing population to invest a lump sum in exchange for a guaranteed monthly income for life.

This session is an opportunity for our speakers to sharing with you all on the wide range of solutions available through annuities. Understanding the role of annuity can help you decide whether establishing an annuity is the right thing for you.

永明金融區域總監
陳慧英小姐
Ms Susanna CHAN ​
Regional Director, Sunlife

擁有25年豐富的保險理財經驗,並連續16年取得國際百萬圓桌會(MDRT)會員及5年內閣(COT)會員資格,亦獲委位為MDRT會員溝通委員會(MCC)港澳區委員,更多次獲邀代表香港於MDRT年會議中演講,為承傳與培育新一代作出重大貢獻。同時亦致力於各社會公職,如擔任保單傳愛領袖推動保單捐贈、擔任再生會總理等。

 

With 25 years of experience in insurance and financial planning industry.  She has been internationally recognized as a member of Million Dollars Road Table (MDRT) for consecutive 16 years and Court of the Table (COT) for 5 years.  Also she has been a member of MDRT Membership Communications Committee (MCC) Hong Kong & Macau. In addition, she had been invited to be the representative of Hong Kong to have presentation at the MDRT Annual Meeting to share her valuable experience in helping the development of new generations.  She also contributes to various social responsibility events such as participating and be a leader in LifeCare Movement (LCM), serving as the Prime Minister of the Regeneration Society etc.

香港年金有限公司執行董事兼總裁
劉應彬先生
Mr Edmond LAU Ying-pan
Executive Director and Chief Executive Officer
HKMC Annuity Limited

劉先生於2017年9月就任香港年金有限公司執行董事兼總裁,負責推動終身年金計劃,以加强長者的退休保障。劉先生於1986年在香港大學社會科學院經濟系畢業,並加入香港政府擔任政務主任,參與過地方行政、地政及城市規劃等工作。他於1997年加入香港金融管理局,2007至2013年期間擔任香港金融管理局助理總裁,負責貨幣及金融穩定政策,以及金融市場的發展,並為香港印鈔有限公司的執行董事。

 

Mr Lau was appointed as the Executive Director and Chief Executive Officer of HKMC Annuity Limited in September 2017, to be responsible for the launching of a life annuity scheme  in order to strengthen the retirement protection for the elderly. Mr Lau graduated from the University of Hong Kong (HKU) with a Bachelor Degree in Social Science (Economics) in 1986.  From then on, he worked as an Administrative Officer, HKG and had taken part in district administration, land and town planning, etc. Mr Lau joined the Hong Kong Monetary Authority (HKMA) in 1997. From 2007 to 2013, Mr Lau was appointed as the Executive Director of the HKMA and Hong Kong Note Printing Limited, to be responsible for Monetary and Financial Stability Policy, as well as the development of the financial market.

香港尊賢會創辦人
張瑞霖先生
Mr Patrick CHEUNG
Founder and CEO, Jade Club Ltd

張瑞霖先生熱衷於創立新事業,年輕時為跨國企業建立公司亞洲區的業務。1992年,張先生創辦自己的事業,成為行業龍頭。五十歲那年,張先生决定全身投入公益事業,並把業務全部出售。

2009年他成功引入私人資本創辦跨國社企「黑暗中對話」,他以創新的業務模式,使「黑暗中對話 (香港)有限公司」成為香港最成功的社企之一。2010年中,創辦滴水基金會,支持和推動社會企業精神發展。2012年又創辦尊賢會,探索以可持續的商業模式去建立創新社區安老的網絡。

張先生在香港大學取得工業工程學位,並曾就讀於哈佛商學院管理發展課程及歐洲工商管理學院管理課程。2009年他更在香港大學取得國際關係學碩士學位。張先生目前在香港大學修讀公共行政博士,主攻香港安老政策。

 

Mr. Cheung is a serial-entrepreneur.  After a successful career as an entrepreneur, he sold all his business at the age of 50. Then he devoted full time to promote social entrepreneurship and social innovation. He is one of the founding Directors of Hong Kong Social Entrepreneurship Forum, the leading social entrepreneurship platform in Hong Kong.  He successfully established Dialogue in the Dark Hong Kong and quickly turn it into one of the most successful social enterprise in Hong Kong. Mr. Cheung is also the interim country representative for Ashoka for Greater China region from 2009-2010.
 

Starting from 2011, Mr. Cheung shifted his focus to Elderly Care. He established Jade Club to develop business model for providing community care programs and active ageing programs. He set up Onward Community Care to test out commercial model to provide home care services. Together with Dr. Alice Tso, he found Hong Kong community Care Society, a non-profit

to promote ageing in place and primary care. Water Drops Foundation is his vehicle for philanthropic work in promoting social innovation for elderly sectors. Mr. Cheung enjoys excellent support from both business community and NGO community. He serves as advisor to trade associations, start-up platform for aged care business and many NGOs. He also sits in the ageing in place committee of Elderly Commission of Hong Kong Government and sit in the review committee of Social Welfare Department on Nursing home ordinance review committee. Mr. Cheung graduated from Hong Kong University with B.Sc. Degree in Industrial Engineering.  He had attended the PMD program at Harvard Business School, and the Management Training from INSEAD. He also holds a master degree in international relation and public affair from Hong Kong University. Mr. Cheung is currently pursuing his study for his doctorate in Public Policy focusing in elderly care policy.

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