Futu Trust is set to launch a new pension trust product, lowering the entry threshold to HKD 3 million, targeting middle-class families.

Futu Trustee Limited, a wholly-owned subsidiary of Futu Holdings Ltd (Nasdaq: FUTU), a globally leading digital financial technology company, announced today that it will officially unveil its highly anticipated annual product — the 'Futu Pension Trust' — at the '2025 Hong Kong Wealth Management Summit and 12th Annual 'Top 100 HK-Listed Companies' Awards Ceremony,' scheduled for January 9, 2026.

At the event, Futu Trust will demonstrate to the industry and the public how fintech can break the stereotype of traditional trusts being 'high-threshold, high-cost, and complex,' transforming family trusts into an accessible financial tool for middle-class families in Hong Kong.

Addressing Middle-Class Challenges: Redefining Retirement Planning with Cost-Effectiveness

As Hong Kong's population ages, middle-class families are increasingly seeking solutions for preserving and growing retirement funds, asset protection, and wealth transfer. However, traditional family trusts often impose extremely high capital requirements and complex setup procedures, deterring the general public.

Leveraging its strong fintech capabilities, Futu Trust has reengineered the trust service process and will soon launch the 'Futu Pension Trust,' which offers the following groundbreaking advantages:

– Ultra-Low Entry Barrier: The entry threshold has been reduced to a minimum net asset value of HKD 3 million.

– Affordable Fees: Setup fees as low as HKD 28,000, with annual fees starting at HKD 10,000 (charged based on Assets Under Management, AUM).

– Fully digital experience: Through standardized trust deeds and flexibly customized letters of intent, it provides simple and transparent solutions for residents of mainland China, Hong Kong, and Macao, truly achieving 'Making family trusts So Easy'.

Preview of six core functions: Building a comprehensive pension financial ecosystem

At the January 9 product launch, Futu Trust will provide a detailed demonstration of how this product connects global capital markets with high-quality pension resources, offering clients comprehensive protection:

1. Diversified investment management: The trust is integrated with Futu Securities API, enabling seamless trading of securities products such as Hong Kong and US stocks; clients can purchase over 150 open-end funds globally through Futu Elephant Wealth without subscription or redemption fees, achieving global asset allocation.

2. Pension fund planning: Regular disbursement of pension living expenses to beneficiaries; upon authorization, payments can be made directly to partnered premium elderly care and medical institutions to ensure a quality retirement life.

3. Policy integration and protection: Supports the incorporation of annuity, savings dividends, and large-sum life insurance policies; policy dividends cover pension expenses, while claim amounts are included in the trust for wealth inheritance.

4. Wealth inheritance services: Trusts linked with will management can store paper wills and generate blockchain-encrypted certificates; trust companies, upon consultation, may act as estate executors to ensure wealth is passed on according to intentions.

5. Digital intelligent management: Real-time asset details accessible via proprietary digital platforms, with AI-powered trust assistants providing 7×24-hour consultation services for efficient and convenient trust management.

6. High-cost-performance basic services: Starting investment from HKD 3 million, the trust setup and management fees are highly cost-effective, supporting quick establishment (2-3 weeks); key processes such as cash asset injection and trust termination incur no fees, lowering the threshold for middle-class families.

Strategic collaborations: Gathering top-tier partners

To provide the highest quality service experience, Futu Trust has built a robust ecosystem of partners. In terms of investment advisory, it has engaged renowned international institutions such as BNY Investment Management, Huian Fund (Hong Kong), and Taikang Asset Management (Hong Kong); in eldercare and medical services, partnerships have been formed with Taikang Homes, China Taiping Muhua House, and Shenzhen Xinfeng United Family Hospital, offering clients comprehensive support from wealth management to eldercare and healthcare.

Futu Trust cordially invites all sectors to attend the 'Top 100 Hong Kong Stocks' event to witness this milestone in inclusive financial services.

About Futu Trust

Futu Trust is a wholly-owned subsidiary of Futu Holdings Ltd (Nasdaq: FUTU) and holds a Hong Kong Trust or Corporate Service Provider (TCSP) license. By December 31, 2025, Futu Trust had served over 600 corporate and high-net-worth clients, with Assets Under Management (AUM) exceeding USD 20 billion. The company is committed to providing professional services such as family trusts, corporate trusts (ESOP), charitable trusts, and corporate secretarial services through technological innovation.

Event details:

– Date: January 9, 2026 (Friday)

– Event: 2025 Hong Kong Wealth Management High-Level Forum and the 12th 'H Shares 100 Strong' Selection Event

– Venue: Hong Kong Convention and Exhibition Center

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