652000Pension funding
退休基金
Why 6 digits?
HSIC subclasses are 6 digits. The first four match the international ISIC class; Hong Kong adds a two-digit local suffix for finer detail, especially across its import and export trade, so a code steps from a 4-digit class straight to a 6-digit subclass. More on the HSIC structure.
This activity involves the management and funding of pension plans, which provide retirement benefits to employees. It includes the underwriting of insurance related to employee benefit schemes and the administration of pension fund schemes.
This classification includes
- employees benefit schemes insurance underwriting
- pension fund schemes
Licences and approvals
What this activity needs to operate
Activities under this code trigger the following licensing regimes. Emerhub prepares and files each application on your behalf.
MPF Intermediary Registration (Principal Intermediary / Subsidiary Intermediary)
Mandatory Provident Fund Schemes Authority (MPFA)
Registration under the Mandatory Provident Fund Schemes Ordinance (Cap. 485) for any business or individual selling, marketing or advising on MPF schemes. Principal intermediaries must already be regulated by an industry regulator (HKMA, SFC or IA) and designate a responsible officer; subsidiary intermediaries are individuals attached to a principal intermediary who must pass an MPFA qualifying examination.
Official sourceVerified 2026-07-14
Offshore profits claim feasibility
MediumPension funding activities often involve contracts negotiated with clients outside of Hong Kong. However, the services may require local compliance and interaction with HK-based employees, which ties the activity to the region.
Business registration wording
Suggested business nature for this activity
English
PENSION FUNDING SERVICES EMPLOYEES BENEFIT SCHEMES
50/60 characters
Chinese 中文
退休基金員工福利計劃
10/30 characters
Standard compliance
Compliance every Hong Kong company shares
Beyond anything specific to this activity, every Hong Kong company handles two-tiered profits tax, the annual return (Form NAR1) within 42 days of its incorporation anniversary, audited accounts, MPF enrolment for staff, and a company secretary. Emerhub runs all of it on your behalf.
See the full Hong Kong compliance calendarFrequently asked questions
Do I need a license for pension funding?
Yes, you need to obtain a license from the Insurance Authority to operate pension funding services in Hong Kong.
How are profits from pension funding taxed?
Profits from pension funding activities are subject to Hong Kong profits tax unless they qualify for offshore treatment.
Can I operate pension funding services remotely?
Yes, but ensure compliance with local regulations and licensing requirements even if services are delivered remotely.
Incorporate in Hong Kong
Starting a pension funding business in Hong Kong?
Emerhub incorporates your company, registers the business nature above with the IRD, files every licence application, and runs your company secretary and compliance calendar. You provide the documents; Emerhub handles every government interaction.
Start incorporation with Emerhub