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A Compass in Hong Kong’s Pension High Seas


A COMPASS IN HONG KONG’S PENSION HIGH SEAS

dr-gloria
michael-chan

Dr. Gloria Siu,
Chief Executive
Gain Miles MPF Consultants Limited

Michael Chan
Managing Director
Gain Miles MPF Consultants Limited

In a sea of pension plans, the route to the perfect retirement harbor is often elusive. That’s where Gain Miles comes in. Rooted in Hong Kong for 38 years, the company has grown from a boutique consultancy to a retirement advisor at the helm of the city’s pension industry. Following our conversation with Mr. Michael Chan, Managing Director, and Dr. Gloria Siu, Chief Executive, one thing has become clear: The firm’s success lies in its determination to go the extra mile.

BENCHMARK (BM): Congratulations on winning the Intermediary of the Year (Independent) Award for the second consecutive year! Gain Miles is known for its efforts in spearheading the MPF industry. How do you draw Hong Kongers’ attention to this saving scheme?
Gloria Siu (GS): Thank you for your recognition! To many Hong Kongers, the MPF scheme is still perceived as no more than a mandatory arrangement. Therefore, we have launched several initiatives to champion the scheme as one of the important tools for saving for retirement. That includes the annual “Gain Miles MPF Confidence Index Survey,” commenced in 2012.
The survey continued to show Hong Kongers’ general lack of knowledge toward MPF. This provides ground for our education efforts. Over the past few years, we have organized various education programs to enhance members’ understanding of MPF, such as briefing sessions and a one-to-one helpdesk service. In 2017 alone, over 6,800 employees from our corporate clients benefited from these programs, and their responses were encouraging. We’re glad that the attendees found the programs useful in enhancing their MPF knowledge. That makes all our efforts worthwhile.
BM: As an independent consultancy, you are counted on for unbiased advice on pension selection. What steps do you take to ensure that companies’ unique needs are covered?
GS: Indeed, understanding what each of our client’s needs lies at the heart of our consultancy service, so we have specially designed regular review sessions with employers to review scheme details, such as costs, employee profiles, and employees’ investment preferences. Leveraging our proprietary research and technical analysis, we help employers gain insight into their employees’ needs and expectations, as well as the suitability and performance of their pension platforms. Our consultants then offer pragmatic advice to corporate clients and assist them with selecting the best pension platform that caters to both workers and employers.
BM: Michael, you mentioned empowering clients to make informed MPF choices. In fact, you have kicked off 2018 by doing exactly that – launching a new index to facilitate MPF selection. Can you tell us more about that?
Michael Chan (MC): Sure. We launched the Gain Miles MPF Performance Index this January to track the performance of all MPF constituent funds. Before the launch of the Index, there were some market references used by the public for MPF performance. However, there was no all-MPF-funds inclusive indicator. With this in mind, we designed the Gain Miles MPF Performance Index to be a standardized, widely-accepted market indicator with which members could appraise their MPF accounts with scientific and convenient references. What’s more, the main Index branches out into three major categories, including Equity Fund Index, Mixed Asset Fund Index and Fixed Income Fund Index, to show the average returns of fund classes based on their asset allocations. Updated weekly, and further complemented with monthly commentary detailing the latest market happenings, the Index serves as a timely gauge of the MPF market. You’re welcome to learn more about the Index on our website.
BM: Sure will! Your comprehensive MPF tools are part of the reason for your win. What about your people? What role do they play in the pension advisory service? And how do you equip them with the best knowledge?
MC: Our consultants play a central part in our advisory service. Besides advising employers on pension selection, they also form a bridge between employers and employees through member briefing sessions, in which employees can gain a better understanding of employers’ rationale behind their pension strategies and selection.
In terms of staff training, all our consultants are SFC-licensed and must undergo an internal special training program, which equips them with technical skills and knowledge about best sales practices. Furthermore, they are encouraged to take CPD (Continuing Professional Development) and CPT (Continuous Professional Training) courses to stay cognizant of the latest trends and legislation updates in the industry and to understand how those changes could impact our clients. BM

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本港強積金大海中的指南針

dr-gloria
michael-chan

行政總裁蕭美鳳博士
駿隆強積金顧問有限公司

集團常務董事陳銳隆先生
駿隆強積金顧問有限公司

芸芸退休金計劃的海洋中,通往完美退休港的航線往往難以捉摸,而駿隆就是引領企業方向的最佳指南!在港紮根38年,駿隆從一家精品顧問公司發展成今日強積金行業中的專業領先顧問。《指標》找來集團常務董事陳銳隆先生和行政總裁蕭美鳳博士訪問,對話後有一件事情變清晰了:公司的成功在於決心走出更遠的一步。

《指標》:恭喜你們連續第二年獲得年度強積金中介大獎( 獨立)獎!駿隆以其在強積金行業的領先地位而聞名,你如何吸引港人關注這退休儲備計劃?
蕭美鳳:蕭美鳳:感謝你們的認可!對許多香港人來說,強積金計劃仍然被視為強制性安排。因此,我們推出了多項措施,宣傳強積金為重要的退休儲蓄工具之一,其中包括由2012 年開始進行的年度「駿隆強積金信心指數調查」。
該調查顯示,港人對強積金普遍仍缺乏認識,這確定了我們致力發展教育工作的方向。過去數年,我們舉辦了多項教育活動,加強成員對強積金的認識,例如簡介會和一對一的強積金諮詢服務。單單在2017 年,我們的企業客戶就有超過6,800名員工受惠於這些活動,他們對這些教育活動的回響令人非常鼓舞。我們很高興這些活動能有助成員增強他們的強積金知識,令我們付出的努力不枉白費。
《指標》:作為一家獨立顧問公司,你們可為成員提供公平公正的強積金建議。你們採取了哪些步驟來確保滿足不同客戶的獨特需求?
蕭美鳳:事實上,了解我們客戶的每項需求是我們服務的核心所在,因此我們特別與僱主定期進行檢討,檢視退休金計劃詳情,如成本、員工概況和投資偏好等應如何作出調整。我們利用專業的研究和技術分析,幫助僱主深入了解員工的需要和期望,以及他們強積金平台的合適性和表現。然後,我們的顧問將為企業客戶提供務實的建議,並協助他們選出同樣適合勞資雙方的最佳退休金平台。
《指標》:Michael,你曾提到要協助客戶作出明智的強積金選擇。事實上,你在2018年的開局正正實行了這想法,就是推出一個全新指數,以便投資者選擇合適的強積金計劃。你能告訴我們更多細節嗎?
陳銳隆:當然可以。我們於本年1月推出「駿隆強積金表現指數」,追踪所有強積金基金的表現。在推出指數前,市場上也有一些參考資料被用作評估強積金基金表現,然而當中卻沒有一個全面的評估指標。考慮到這一點,我們將「駿隆強積金表現指數」設計為一個標準化、能被廣泛接納的市場指標,方便計劃成員能以一個科學化的方法來評估他們的強積金投資。此外,該指數細分為三大類,包括股票基金、混合資產基金和固定收益基金,以顯示不同資產配置組合的平均回報。作為市場上一個貼市的指標,我們的指數每週更新一次,並每月提供基金簡評,詳細介紹市場最新動態。歡迎你到我們的網站了解更多信息。
《指標》:當然會!你們全面的強積金工具是致勝原因之一,但背後團隊呢?他們在強積金諮詢服務中扮演什麼角色?你又如何為他們裝備知識?
陳銳隆:我們的顧問在諮詢服務中擔當了核心角色。除了向僱主提供退休金計劃選擇建議外,他們在教育成員的過程當中亦成為僱主和僱員之間的橋樑,使員工更清晰地了解僱主的強積金策略。
在員工培訓方面,我們所有的顧問均持有證監會牌照,並須接受內部專門培訓,為他們提供銷售技能和知識。此外,我們亦鼓勵他們參加CPD(持續專業發展)和CPT(持續專業培訓)課程,以了解行業最新趨勢和法例,向客戶闡述相關的影響。 BM

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