What participants say, in their own words.

I enrolled in the Foundations course with no clear sense of where I wanted to retire. By the end of the four weeks, I had a proper framework for comparing my options — not an answer, which I understood going in, but the right questions to be working through. That was exactly what I needed at this stage.

The MPF and Pensions course covered territory I had tried to research myself and given up on. The interaction between my MPF balance and the Canadian CPP entitlement I had built up before coming to Hong Kong was something I genuinely did not understand before this. The course made it clear enough that I could have a useful conversation with my accountant about it for the first time.

What I appreciated most was the tone. There was no sales pressure, no suggestion that I should be worried about not having done something already, and no product at the end of the funnel. It is rare to find educational content on financial topics that treats the reader as someone capable of making their own decisions. I found the healthcare module particularly useful — it is one I had not properly thought about before.

I have been in Hong Kong for nineteen years and the question of what to do with my MPF when I leave had been sitting in the background for a while. The Foundations course helped me understand why I had been avoiding it — there are actually several distinct decisions involved, not one big one. Separating them made the whole thing feel much more manageable.

My partner and I are at different stages of our own planning — I enrolled in the Full Programme while he did the MPF course. The written plan I produced by the end was something we could actually discuss together and bring to our IFA in the UK. It changed the quality of that conversation significantly. I would say the course paid for itself on that basis alone.

The currency planning module in the Full Programme is one I would recommend to anyone with income or assets denominated in more than one currency — which is most of us who have been here for more than five years. It is not a topic that shows up much in mainstream retirement planning content, and the treatment here was thorough without being overwhelming.