Retirement planning can often be seen as a tomorrow, next year or future task.

But by starting today, you can build solid foundations to live life to the fullest in retirement.

At Sun Life, we’re here to help you design the life you want to retire into, whether that's spending more time with family, going on your dream vacation, building a lasting legacy - whatever your retirement goal, Sun Life is your partner in helping you take the steps to achieve it.

Early Career Planners

Congratulations, you’ve taken the first steps on your career ladder and are maximizing your lifestyle with a regular pay check. For many today, “micro-retirement” is about making the most of life now, not someday in the distant future.

But how do you make that sense of freedom last?

With the right steps early on, you can start building a future that supports the way you want to live for years to come. Small, consistent decisions today can give you control over what comes next.

At Sun Life, we help you take that first step, so you can enjoy today, while quietly building the freedom to keep doing it for years to come.

How to Retire Early in Hong Kong with FIRE Movement

June 03, 2026

Discover how the FIRE movement can help you achieve early retirement in Hong Kong through strategic saving and investing.

Retirement Planning Tips For Millennials

June 01, 2026

As a young millennial, the thought of retirement planning rarely hits the horizon. You feel invincible and preoccupied with building an exciting career. With the rising cost of living, coupled with longer life expectancies, millennials are at risk of having to work way into old age.

3 tips to advance your Retirement Mastery

May 26, 2026

A truly happy and fulfilling retirement depends on one key factor – your mindset. In fact, mindset is the key to most aspects of successful living.

Sandwich Generation

You’re looking after a lot right now - your family, your future, and everything in between. We know that supporting your children while being there for your parents can feel like a constant balancing act. And with retirement getting closer, it’s easy to put your own plans on hold.

But this stage of life isn’t about choosing one priority over another, it’s about making them work together. With the right planning in place, you can care for your loved ones, support the life you’re building, and still move confidently toward your own future.

At Sun Life, we help you bring it all together, so you can take care of what matters today, while staying on track for the life you want tomorrow.

Seven ways men and women think about retirement

June 11, 2026

Do men and women think and behave differently when it comes to retirement? On seven key questions, Canadian men and women have different perspectives about what happens after work.

Are you saving enough?

June 01, 2026

Enjoy the peace of mind of knowing that you have a retirement plan in place from Sun Life Financial Hong Kong.

[Be Inspired by Retirement] Could the Reverse Mortgage support your retirement?

May 29, 2026

Hong Kong people care much about “home ownership” and “mortgage payment”. But when they reach the retirement age, shall they consider joining the Reverse Mortgage Programme? Let’s look at the six questions below to learn more.

Pre-Retirement Strategists

“Will what you’ve built be enough?”
“Can it support the life you’ve been looking forward to?”

But the good news is, asking these questions is already a great step to being prepared. To allow you to seamlessly to move into the retirement you’ve worked so hard for, you need a strategy that aligns to your goals and makes the most of your assets.

At Sun Life, our expertise and years of experience allow us to be the partner that guides you through this transition, so you can step into your next chapter feeling secure, in control, and ready to live it your way.

[Be inspired by numbers] What is the ideal age to retire?

June 01, 2026

Sun Life Financial Hong Kong helps you plan for retirement.

[Be Inspired by People] My pen is writing my second life

May 21, 2026

Coming from different generations of East and West, two calligraphers strive to stay inspired by using a pen to write their extraordinary second lives.

Health benefits of friendship

May 17, 2026

Being sociable can reduce anxiety and depression and provide a lifeline when life gets tough.

Confident Retirees

You’ve worked hard and your careful planning has allowed you to retire with confidence into the life you designed, doing more of what you love.

At the same time, it’s natural to wonder: will what you’ve built continue to support the life you’re enjoying, not just today, but for years to come?

With the right approach, your savings can continue working for you, providing a retirement income, managing inflation, covering medical expenses and more.

At Sun Life, we help you stay in control of what comes next, so you can enjoy today with confidence, knowing everything is in place for the years ahead.

[Be Inspired by Annuity] Everyone needs annuity?

June 01, 2026

In recent years when talking about retirement, the keyword “annuity” would always come up, but is an annuity plan suitable for everyone? Let’s ask 4 questions to find if it’s useful for you.

Retiring unexpectedly? Here’s how your advisor can help

May 27, 2026

Instead of being years off, your retirement is suddenly happening right now. Asking your advisor these questions can help you manage the transition.

Choosing the perfect destination for retirement

May 14, 2026

As average life expectancy increases, so does our retirement durations. For retirees who seek a place to spend their next chapter, deciding whether to retire in place or relocate is not always easy. So how does it feel like spending your golden age aboard? Let’s have a glimpse now!

Legacy Planners

Staying active, enjoying your independence, and spending time with the people who matter most are what make your Golden Years meaningful.

At the same time, you might find yourself thinking about how what you’ve built can continue to support both you and your family in the years ahead.

With the right approach, you can keep your finances simple, your future needs well planned for, and your independence firmly in your hands.

At Sun Life, we’re here to help you do just that, so you can enjoy today with confidence, while knowing that what you’ve built will continue to care for the people who matter most.

Eight great travel tips for retirees

June 03, 2026

How to keep the fun in the journey? Here are the eight great travel tips for retirees.

Will your money last?

May 25, 2026

Make sure your money will last after retirement so you can enjoy life to the fullest and even leave a legacy.

Looking for guaranteed retirement income?

May 20, 2026

Think about an annuity for guaranteed retirement income.

What does an ideal retirement life look like?

An ideal retirement should combine good health, the freedom to stay active, and sufficient financial flexibility—enabling you to enjoy travel, pursue your interests, and live life on your own terms, rather than simply getting by.

The Freedom to Live Fully

An ideal retirement isn’t just about time, it’s about freedom: to stay active, see the world, and enjoy life without financial worry.

“When I was young, I always wanted to learn piano, but never had the chance,” Ms. Ng shares. “Later in life, I realised… if you’ve planned well, it’s never too late to start again.”

“That gave me confidence. So when I was diagnosed, I didn’t have to think about anything else. I could just focus on getting better.”

That reassurance began 30 years ago, when she chose to plan ahead. And when life took an unexpected turn, timely support gave her the peace of mind she needed most.

Enjoy retirement instead of worrying about it

“After working in a high-pressure office job for decades, I always thought retirement meant stopping work and losing income, so I never dared to slow down.

It wasn’t until a few years ago, when I started planning for my retirement, that I realized I had already built a stable source of income that could cover most of my daily expenses. I had also prepared in advance for my healthcare needs and travel plans.

Only then did I understand that retirement doesn’t necessarily mean ‘losing income.’ With proper planning, it can become a lifestyle with greater control and freedom.”

Mr. Chan transitioned from a long career in a high-pressure job to gradually preparing for his future. Through this process, he realized that retirement can shift from anxiety to peace of mind—supported by stable income and comprehensive planning, allowing for a more relaxed and fulfilling life.

Is a “Bare-Bones” Retirement Really What You Want?

“If I spend less now, I can scrape by in retirement.” This mindset reflects a sobering reality for many in Hong Kong. Before retirement, your daily expenses are mostly centered on living costs, transportation, dining, leisure, and travel. But have you ever considered that after retirement, these expenses may shift toward medical and long-term care, potentially disrupting your entire retirement plan?

Daily Consumption vs. Healthcare: The Risk of Imbalance

Survey showed that over half of Hong Kong respondents expect daily living expenses to account for about 60% of their retirement budget, with medical fees following closely behind. However, as life expectancy increases, this spending structure becomes precarious. As medical costs climb with age, they can easily derail a retirement plan and erode one’s quality of retirement life.

Hong Kong respondents retirement budget

70% Forced into “Unwanted Minimalism” — When Travel and Leisure Become Luxuries

What choices would you make to ease financial pressure? The survey found that approximately 70% of retirees have considered or were forced to cut back on non-essential spending, such as entertainment and travel. If faced with a major illness, more than half admitted their only option would be to significantly downsize their lifestyle to afford treatment, believing that “pinching pennies is the only way to survive.”

Even worse, under the dual pressure of inflation and advancing medical technology, savings that once seemed “sufficient” often fall short. This reality has even forced more than half of the respondents to forgo the best possible treatment options.

Considering how to cut back on spending?

Entertainment

Travel

Non‑essential purchases

The survey shows that when faced with factors such as inflation, the advancement of medical technology that brings additional treatment options, and limited financial support from children, actual retirement expenses can easily exceed original estimates.

When retirement expenses exceed the orignal estimate, respondents will

Ideal Retirement: Beyond “Barely Enough” Toward “True Freedom”

A truly ideal retirement should not be a financial struggle. It is about achieving a golden balance between physical health and financial flexibility, allowing you the freedom to pursue hobbies, explore the world, and enjoy life to the fullest. Instead of settling for a “barely enough” standard of living, early planning allows you to strike a balance between your health, mental wellness and financial status, reclaiming full control over your retirement life.

Source: Sun Life survey reveals retirement divide in Asia: An option for some, an obligation for others

Contact us

Meet with a Sun Life advisor to explore retirement and long‑term financial planning solutions tailored to your needs.

FAQ

It is an annuity plan that allows savings to accumulate and grow after paying premiums and then provides regular income in the future.

You can enjoy up to HKD60,000 in yearly tax deductions, subject to government rules.

The plan provides guaranteed income, as well as non-guaranteed income that may change over time.

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Plan Your Retirement with Confidence

Early Career Planners

Sandwich Generation

Pre-Retirement Strategists

Confident Retirees

Legacy Planners

What does an ideal retirement life look like?

The Freedom to Live Fully

Enjoy retirement instead of worrying about it

Is a “Bare-Bones” Retirement Really What You Want?

Daily Consumption vs. Healthcare: The Risk of Imbalance

Hong Kong respondents retirement budget

70% Forced into “Unwanted Minimalism” — When Travel and Leisure Become Luxuries

Considering how to cut back on spending?

Entertainment

Travel

Non‑essential purchases

The survey shows that when faced with factors such as inflation, the advancement of medical technology that brings additional treatment options, and limited financial support from children, actual retirement expenses can easily exceed original estimates.

When retirement expenses exceed the orignal estimate, respondents will

Ideal Retirement: Beyond “Barely Enough” Toward “True Freedom”

Contact us

FAQ

What's a deferred annuity plan?

Can a deferred annuity plan help reduce taxes?

Are all income payments from a deferred annuity plan guaranteed?

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