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3-Step Approach During Retirement

Other than income-generating assets, what else do you need?

Kate Lin, CAIA 06 May, 2021 | 10:00
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Three buckets for retirement

You may have heard the Hong Kong old-style way of retirement: Accumulating HSBC shares from a young age and retiring at ease on the very agreeable amounts of dividend paid. This seemingly appealing approach depends on the perception that the dividend stream paid out by HSBC (00005) is regular, and never interrupted. It had not failed investors until the unexpected dividend cut in 2020, which struck retirees who take HSBC’s dividend as a supplementary – or more extremely, single – income source to cover retirement expenses.

Regardless of the chaotic times during the pandemic, it is ill-advised to be dependent on a single asset and a non-guaranteed source of income. What elements are missed there?

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About Author

Kate Lin, CAIA

Kate Lin, CAIA  is a Data Journalist for Morningstar Asia, and is based in Hong Kong

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