Minimum investment of HKD 3 million , with annual management fees starting at HKD 10,000, to help grow your retirement assets steadily for a secure future and smooth wealth transfer.
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The Sandwich Generation
Juggling mortgages, education costs, and parents' healthcare, middle-class families face an income ceiling. Their savings fall short of retirement needs.
Ideal Retirement vs. The Reality Gap
Ideal: Premium senior living, quality healthcare, international travel. Reality: Soaring care costs, rising medical expenses, insufficient savings and social security.
The Hidden Pressure of Shrinking Wealth
Income drops sharply after retirement Inflation constantly erodes purchasing power Without early planning, you risk depleting your savings
Elderly Care Planning Essentials
Middle-Class Retirement Challenges
Middle-class families face a perfect storm of retirement challenges: an aging population, declining birth rates, intense workplace pressure, and difficulty building wealth. Meanwhile, traditional retirement systems fall short of meeting the rising demand for quality senior care. How can families protect assets, grow wealth steadily, and pass it on effectively? Through real-world case studies, this article explores retirement family trusts as a financial solution and presents new strategies for middle-class retirement planning.
Learn More ›How Futu Care Family Trust Breaks Down High Barriers and Fees
Traditional trust services require assets in the tens of millions of Hong Kong dollars, with high management fees and complex processes that exclude middle-class families. As Hong Kong's population ages rapidly, middle-class demand for retirement and succession planning has never been greater, yet traditional trusts remain out of reach. Futu Trustee is changing this through fintech innovation. We've lowered the entry point for retirement family trusts to just HK$3 million, with an annual management fee of only 0.3% (minimum HK$10,000). Our fully digital platform streamlines operations with online processes and blockchain verification, reducing costs while improving efficiency. Combined with transparent modular pricing and seamless integration with the Futu ecosystem, we provide secure, compliant wealth management solutions that make trusts accessible to middle-class families.
Learn More ›Retirement and Succession Planning: Building a Secure Future for You and Your Legacy
With life expectancy in Hong Kong now reaching 83-88 years, retirees need 20-30 years of sustained financial support. Yet retirement planning faces critical challenges: funding shortfalls, rising healthcare costs, inheritance disputes, and asset security risks. Futu Retirement Family Trust addresses these challenges with an accessible HK$3 million entry point and just 0.3% annual fees. Our integrated digital platform combines investment management, retirement planning, and wealth transfer in one place. By coordinating insurance policies, trusts, and wills, we deliver comprehensive wealth protection that guards against inflation and shields assets from risk—all designed for middle-class families.
Learn More ›Futu Care Family Trust Partners
Taikang Community
China Taiping · Mumian Home
Chunxuanmao
Foresea Life Insurance Shenzhen Warm Home
Shenzhen New Frontier United Family Hospital
Shenzhen Qianhai Taikang Hospital
Book Your Futu Care Family Trust Consultation
Get personalized retirement planning from our expert team. From asset allocation to healthcare services, we'll help you secure a comfortable retirement.
Futu Trust Moomoo Account
You can also contact us at:： info@fututrustee.com
The licensing information in relation to companies within Futu Group is as follows:
Futu Securities International (Hong Kong) Limited
Holder of 20 licenses and participantship in providing clients with reliable securities trading services.
China Hong Kong: Futu HK is a licensed corporation regulated by the Securities and Futures Commission of Hong Kong (CE No. AZT137) and has obtained Type 1 Licence for Dealing in Securities, Type 2 Licence for Dealing in Futures Contracts, Type 3 Licence for Leveraged Foreign Exchange Trading, Type 4 Licence for Advising on Securities, Type 5 Licence for Advising on Futures Contracts, and Type 9 Licence for Asset Management.Futu HK is registered as MPF Intermediary, SEHK Participant, HKSCC Direct Clearing Participant, SEHK China Connect Exchange Participant, HKSCC China Connect Clearing Participant, SEHK Options Trading Exchange Participant, SEOCH Direct Clearing Participant, HKFE Futures Commission Merchant, and HKCC Clearing Participant.
In Europe: Futu HK is a member of London Stock Exchange and Turquoise.
Singapore:Futu HK is a trading member of Singapore Exchange Securities Trading Limited and Singapore Exchange Derivatives Trading Limited.
FUTU TRUSTEE LIMITED
Holder of Trust or Company Service Provider Licence (Licence No. TC006475).
Futu Lending Limited
Holder of Money Lenders Licence (Licence No. 2034/2021).
Moomoo Financial Inc.
A broker-dealer registered with the U.S. Securities and Exchange Commission (SEC) (CRD: 283078/SEC: 8-69739), and a member in good standing of Financial Industry Regulatory Authority (FINRA) and the Securities Investor Protection Corporation (SIPC).
Moomoo Global Markets Inc.
A broker-dealer registered with the U.S. Securities and Exchange Commission (SEC) (CRD: 298769/SEC: 8-70215), a member in good standing of Financial Industry Regulatory Authority (FINRA) and the Securities Investor Protection Corporation (SIPC), as well as a member of Depository Trust Company (DTC), a member of National Securities Clearing Corporation (NSCC) and the Options Clearing Corporation (OCC).
Futu Wealth Advisors Inc.
An investment advisor registered with and regulated by the U.S. Securities and Exchange Commission (SEC) (CRD: 310790/SEC: 801-119635).
Futu Futures Inc.
A licensed entity registered with the National Futures Association (NFA) (NFA ID: 0523957) and regulated by the National Futures Association (NFA) and the Commodity Futures Trading Commission (CFTC).
Moomoo Financial Singapore Pte. Ltd.
Registered with the Monetary Authority of Singapore (MAS), Futu SG is a Capital Markets Services Licence (Licence No. CMS101000) holder with the Exempt Financial Adviser Status. Futu SG has also received all SGX's memberships. Futu SG has been admitted as Clearing Member of The Central Depository (Pte) Ltd (CDP) , Trading Member of Singapore Exchange Securities Trading Limited (“SGX-ST”), Trading and Clearing Member of Singapore Exchange Derivatives Trading Limited (“SGX-DT”), and Depository Agent of CDP.
Moomoo Trustee (Singapore) Pte. Ltd.
A Singapore trust company licensed by the Monetary Authority of Singapore to carry on trust business and services (Licence Number: No.TC000074).
Moomoo Securities Australia Ltd
A securities dealer registered with and regulated the Australian Securities and Investments Commission (ASIC). Futu AU holds the Australian Financial Services Licence (Licence No. 224663).
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