僱員自選安排 Employee Choice Arrangement (ECA)

尊敬的客戶和朋友，

我寫信給你，是因為俗稱強積金「半自由行」的僱員自選安排（ECA）將於今年11月1日實行。政府已通過法律，允許所有在目前強積金計劃下公民，將能夠自由選擇自己的強積金服務供應商。

根據最近由香港大學舉行的民意研究計劃，有超過六成半的公民不是很清楚有關安排的細節，所以我覺得我應該為我的客戶解釋這一安排，使你們可以作好準備。

根據現有計劃，雇主和僱員都必須作出為僱員的有關入息的5％的供款，僱員可以挑選的基金選擇, 必須是根據雇主的強積金服務供應商。僱員自選安排啟動後，員工允許每年最少一次切換自己的供款，到您最喜愛的強積金服務供應商。

新的強積金安排的第二個重大變化是，當僱員離開公司60日後，其「供款帳戶」將自動成為一個「保留帳戶」。僱員自選安排生效後，「保留帳戶」將改名為「個人賬戶」，如其所名，個人帳戶是用來積累僱員你自己的利益。員工將可以自由選擇在香港一個任何合法的強積金服務供應商申請自己的「個人帳戶」，每年至少一次從自己公司的供款帳戶，轉移到其個人帳戶。為可以更好的解釋，請參閱下表。

以此為契機，宏利正在推廣宣傳活動直到今年年底.
如果你在2012年8月1日至10月31日間在宏利申請「保留帳戶」, 或
將你的強積金累算權益從其他強積金服務供應商轉到宏利，
只要轉移資產超過5萬港幣，會有最多5000元的一次過紅利單位回贈。

如果您想了解更多的細節，隨時在辦公時間內聯絡我。

最好的問候,

嚴天浩 (保險代理登記號碼: 08190273, 強積金中介人註冊號碼: 074240)

Dear Clients and Friends,

I am writing to you regarding to the “Employee Choice Arrangement” (ECA) will commence on 1 November 2012. The government has passed law that allow all the citizen who are currently under the MPF scheme, will able to choose your own MPF service provider for your own contribution after this arrangement is launched.

According to a recent Public Opinion Programme held by The University of Hong Kong, there are over 65% of the citizen isn’t quite clear about the arrangement’s details, thus I feel I should write to my clients to explain this arrangement in order for you to be well prepared.

Under the current scheme, both employer and employee must contribute 5% of the employee’s relevant income into their accounts for retirement, and the fund choice the employee can pick must be under the employer’s MPF service provider. After ECA is launched, each year employee is allowed to switch your own part of contribution to your favourite MPF service provider.

The second major change of the new MPF arrangement is that, currently after an employee have left a company 60 days, its “contribution account” will converted to “preserve account” automatically. After ECA is effective, “Preserved Account” will be renamed to “Personal Account”, which suggest by the name it is a personal account for the employee, which allow them accumulate their own benefit. Employees will be able to choose to open their own “personal account” at any legit MPF service provider in Hong Kong freely, and transfer from their own contribution account to their personal account at least once a year. For better visual explanation, please see the table below.

For this opportunity, Manulife is running a promotion campaign until the end of this year

If you open a new preserve account between the 1^st of Aug and the 31^st of Oct, 2012, or

Transfer your MPF accumulated benefit from other MPF service provider to Manulife,

As long as the transfer asset is more than HKD$50,000, you will be given an extra bonus for $5000 max.

If you would like to know more details, feel free to contact me during the office hours.

Best regards

Calvin Yim (Insurance Agent Reg. No.: 08190273, MPF Reg. No.: 074240)