Dollar-Cost Averaging for MPF

What is it?

Ah Jik explains to Tak Chai: fixed monthly contributions ARE dollar-cost averaging. When unit prices rise, HK$1,000 buys fewer units; when they fall, the same HK$1,000 buys more. Over time your average cost smooths out — buying cheap in downturns pays off when markets recover.

Should twenty-somethings worry?

With 40 years to retirement at 65, long-term investing rides out short-term swings — no need to flee to conservative funds on every wobble. Find long-term picks on MPF fund comparison.