預約您的專屬養老信託專家
資深團隊1對1客製養老規劃，從資產配置到醫療養護服務，為您提前鎖定高品質退休生活。
富途信託牛牛帳號
You can also contact us at:： info@fututrustee.com
Hong Kong
34/F, United Centre, No. 95 Queensway, Admiralty, Hong Kong
+852 2301 8918
富途養老信託・專為中產家庭量身訂製的
養老與傳承服務方案
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.
政策護航 · 灣區養老
前海人壽幸福之家深圳康養社區選入「廣東院舍照顧服務計劃」
2025 年 2 月 20 日，香港特別行政區政府社會福利署（以下簡稱「香港社會福利署」）宣布，自 3 月 1 日起「廣東院舍照顧服務計劃」
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廣東院舍照顧服務計劃的廣東安老院舍
社署從2014年6月開始推行「廣東院舍住宿照顧服務試驗計劃」，並在2020年1月將試驗計劃恆常化。「廣東院舍住宿照顧服務計劃」，現名「廣東院舍照顧服務計劃」（「計劃」），為正在輪候資助護理安老宿位並有意在內地養老的長者提供多一個資助服務的選擇。
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政府公布促進銀髮經濟工作組落實推行30項措施
政務司副司長卓永興今日（五月二十七日）聯同商務及經濟發展局（商經局）局長丘應樺、財經事務及庫務局副局長陳浩濂、勞工及福利局副局長何啟明和創新科技及工業局副局長張曼莉舉行記者會，公布促進銀髮經濟工作組落實推行的30項措施（見記者會簡報）。
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中產家庭的養老困境
「上有老下有小」
房貸車貸未清，子女教育開支攀升，父母醫療費用激增，中產家庭看似光鮮，實則深陷「收入天花板」困境，儲蓄難以覆蓋未來養老剛需。
「理想養老」VS「現實落差」
理想養老：入住高端養老社區，享受專業醫療護理，自由安排海外旅居。 現實落差：私人養老院費用高昂，醫療費用指標級上升，社保和儲蓄杯水車薪。
「財富縮水」的隱形壓力
退休後收入銳減； 通脹持續侵蝕購買力； 若不盡早規劃，退休後很可能「坐食山崩」。
養老規劃必修課
中產家庭的養老挑戰
中產家庭正遭遇養老難題：既要應對老齡化和少子化帶來的雙重壓力，又陷入職場高壓與財富積累困境，傳統養老保障也難以滿足日益增長的高品質養老需求。如何實現資產安全、穩定增值和有效傳承？本文結合實際案例，探討了以養老家族信託為核心的財務管理路徑，提出了中產養老的新選擇。
了解更多 ›富途養老信託如何破解高門檻和高收費
傳統信託服務以千萬港元資產為門檻，疊加高昂管理費與複雜流程，將中產家庭拒之門外。香港老齡化加劇背景下，中產對養老、傳承需求迫切，傳統信託局限亟待突破。富途信託依託金融科技，將養老家族信託門檻降至300萬港元，年度管理費僅0.3%（最低1萬港元），通過全流程線上化、區塊鏈存證等數字化手段降本提效，搭配透明模塊化收費與富途生態資源整合，嚴格合規保障資產安全，為中產家庭提供普惠型財富管理方案。
了解更多 ›養老與傳承規劃：打造安心退休與財富永續的未來
香港人均壽命延長至83-88歲，養老需20-30年持續資金支持。養老面臨資金缺口、醫養成本攀升等四大難題，財富傳承存在繼承糾紛、資產安全等四大障礙。富途養老家族信託以300萬港元低門檻、0.3%年費，通過數字化管理、一站式服務整合投資、養老與傳承，結合“保單+信託+遺囑”協同規劃，為中產家庭提供抗通脹、風險隔離的財富守護方案。
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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.
In Hong Kong, China: 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.
In 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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