At 37 With HK$200,000 in MPF, How to Allocate?

At 37 With HK$200,000 in MPF, How to Allocate?

In February 2011 a columnist answered reader Can, 37, with medium-high risk tolerance and HK$200,000-plus in preserved MPF: at 37 you’re still young — go aggressive. Suggested split: 60% Asia ex-Japan equity funds, 40% single-market equity funds.

What if your scheme offers fewer choices?

If it only offers Hong Kong/China equity funds, try 40% HK/China and 60% Asia ex-Japan to balance risk. Every scheme’s menu differs — check yours.

Already invested in Hong Kong stocks privately?

Then overweight Asia ex-Japan to avoid concentrating risk in Hong Kong equities. Diversification is the name of the game.

Is 37 really young enough to be aggressive?

Generally yes — 20-plus years to retirement can ride out volatility. But personal circumstances rule. Compare MPF funds on equity-fund track records.