Retirement or mini-retirement? Does it make a difference?

October 2025

4 mins

In EP4, a slasher and a full-time employee shared their different point of views on retirement. Learn about the role of insurance in retirement planning to increase passive income for retirement. With longevity, retirement may mean caring for parents or children as well as yourself. How can you retire worry-free?

Key insights:

Two guest speakers join the conversation: Patrick, a full-time IT professional with steady income, and Chin Ching, a slasher juggling multiple jobs without a fixed salary.
Patrick values financial security, starting savings and investments at 30 to build passive income and avoid burdening his children. Chin Ching values freedom, enjoys varied work, and embraces a "mini-retired" lifestyle. His irregular income can cause anxiety, motivating him to learn new skills.
Both agree that longer lifespans raise living costs and health risks, making early planning for stable passive income essential to meet retirement costs.
The HSBC Bright Income Insurance Plan offers monthly dividends until age 99* after premiums are paid, without eroding the guaranteed portion of the policy value. It also features the market-first# SilverGuard Protection, providing additional coverage to meet both financial and healthcare needs during retirement.

*The non-guaranteed monthly dividend is projected with the current assumed investment return in the insurance proposal. The actual amount payable may change from time to time. Under certain circumstances, the non-guaranteed Monthly Dividend may be zero.
# The market-first feature means the combination of (i) the Healthcare Booster feature and (ii) the Special Medical Token feature. Our "market-first" statement is based on our interpretation of currently available market information, by comparing our plan with other similar publicly available long-term participating insurance plans issued by other Hong Kong SAR market players as of August 2025.

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HSBC Life (International) Limited (incorporated in Bermuda with limited liability) ("HSBC Life", "the Company", "we" or "us") is authorised and regulated by the Insurance Authority of the Hong Kong SAR to carry on long-term insurance business in the Hong Kong SAR. The Hongkong and Shanghai Banking Corporation Limited ("HSBC") is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agency of the Company for the distribution of life insurance products in the Hong Kong SAR. Policyholders are subject to the credit risk of HSBC Life and early surrender loss. For eligible disputes (as defined in the scope and jurisdiction of the Financial Dispute Resolution Centre under the Financial Dispute Resolution Scheme) arising between HSBC and you out of the selling process or processing of the related transaction by HSBC, HSBC will enter into a Financial Dispute Resolution Scheme process with you. Any disputes arising from the terms, conditions and provisions of the abovementioned insurance policies will be resolved directly between you and the Company. The insurance plans are not a bank deposit or bank savings plan. For detailed information on the insurance products offered by HSBC Life, please visit the insurance section of the HSBC website or any HSBC branch. The life insurance plans are products of the Company but not HSBC, underwritten by the Company and is only intended for sale through HSBC in the Hong Kong SAR.
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