At 30, Which MPF Funds Could Target 10%+ Annual Returns?

How should young workers chase high MPF returns?

A 30-year-old with three decades to retirement suits the most aggressive all-equity mix — especially emerging markets and Asia ex-Japan. In 2010 a reader asked: nearly 30, high risk tolerance, hoping for 10%+ average annual MPF returns — what to choose? The column advised that a long horizon justifies the most aggressive portfolio, with emerging and Asian markets trending up over time; direct five years of monthly contributions there and review annually.

Is 10% a year realistic?

The column was frank: expecting 10%+ every year looks over-optimistic. MPF is retirement provision; allocations turn conservative with age and expected returns fall. Five to 8% long-run is already good. Check long-term returns and fees by category at MPF fund comparison.

What if my provider has no emerging-market fund?

Pick the highest-risk MPF category it offers. And judge by long-run records and fees, not one or two years’ performance.