The Allianz (RCM) MPF plan offers a diversified fund line-up — members can mix and match funds to suit their life stage and risk tolerance.
From growth to conservative, across risk levels. The plan runs several constituent funds — growth, balanced, stable and guaranteed funds among them — plus a default investment arrangement that shifts the equity-bond split automatically with age.
Young means growth; near-retirement means steady. Younger members with decades to go can ride out volatility in growth funds; those approaching retirement should pivot to stable or guaranteed funds to lock in gains. Watch conversion fees and frequency limits before switching.
Allianz Global Investors (RCM) runs the investments. The plan’s investment manager is Allianz Global Investors, with the trustee handling custody and administration. Compare MPF funds’ fees and track records at MPF fund comparison.

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