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Get educated about Mandatory Provident Fund (MPF)

Here are some answers for questions you might have.
Introduction to MPF

How MPF work

Investing MPF

Review your MPF

Enrolling in MPF

Published Dec 26 2018

Do you need to enroll in MPF? If you are 18 years old but under 65 and are fully or partly employed, your employer has to enroll you in a MPF scheme within the first 60 days of employment. The... Learn more

Background to the MPF

Published Dec 26 2018

With the long-standing low birth rate and the lengthening of life expectancy, Hong Kong is facing the challenge of a rapidly aging population. How can one protect the income of a large number of... Learn more

Early Withdrawal of MPF benefits

Published Dec 26 2018

You can withdraw your MPF accrued benefits when you reach the age of 65, either in a lump sum or by instalments. Under these specific circumstances, however, you can withdraw them before you reach... Learn more

Part time work and MPF

Published Dec 26 2018

The culinary and construction industries often employ part-time workers. They are hired by the day or for a period shorter than 60 days. Employers are under the obligation to arrange for their... Learn more

Contribution Period and Contribution Amount

Published Dec 26 2018

Contribution Day and Employee’s Contribution Holiday On or before each contribution day, the employer is responsible for contributing the mandatory amount to the trustee of the MPF scheme. In... Learn more

Choosing the Right MPF Fund

Published Dec 26 2018

The accrued benefits of your MPF fund depend on your investment choice. As a member in the workforce, how do you go about choosing an MPF fund that is just right for you? The first thing to do is... Learn more

Three Keys to MPF Investment

Published Dec 26 2018

Faced with a plethora of MPF funds, how is one to choose?  MPFA’s Fund Fact Sheet is a handy reference for finding information on various funds:... Learn more

Contribution Account vs. Personal Account

Published Dec 26 2018

Many of us in the workforce fail to take proper measures with our MPF accounts after we change jobs a few times. As time goes on, our MPF benefits might be scattered in a number of accounts at... Learn more

What to do with your MPF when you change your job?

Published Dec 26 2018

In this day and age, it is quite common to change your job every now and then.  Typically, when you begin your new job, your new employer will give you a new application form to set up a new MPF... Learn more

What are Voluntary Contributions?

Published Dec 26 2018

It is possible to increase your post-retirement savings by Voluntary Contributions. Voluntary Contributions are the amount of money that you contribute in excess of what is required by a regular... Learn more

Compound interest effect

Published Dec 26 2018

Compound interest refers to the way that the interest one earns from an investment gets multiplied in earning more and more interest. Taking a long view, the interest that you earn from your... Learn more

Dollar Cost Averaging

Published Dec 26 2018

MPF operates in a way very similar to Dollar Cost Averaging in that scheme members make a monthly contribution during the time of their employment and withdraw the benefits from their MPF accounts... Learn more

How to assessing a fund’s risk level

Published Dec 26 2018

Many MPF service providers designate a risk rating to the funds that they offer. Members should take note of the fact there is as yet no uniform formula in the market to calculate or assess the... Learn more

What is Default Investment Strategy (DIS) ?

Published Dec 26 2018

If you do not have the time or do not want to make an investment choice with your MPF contributions, or if you are concerned that the high management fee of the fund you choose or inflation might... Learn more

MPF schemes: Types and Risks

Published Dec 26 2018

Under the MPF system, a trustee is required to provide one or more schemes for members’ considerations. In turn, each scheme has different investment allocations. How is one to choose between... Learn more

Access information of your personal accounts

Published Dec 26 2018

After changing jobs a few times, many of us will end up having a number of MPF accounts. This makes managing them rather difficult, and consolidating the MPF accounts is undoubtedly an efficient... Learn more

Reviewing your MPF investment

Published Dec 26 2018

MPF affects the security of post-retirement life of each and every one of us who is in the Hong Kong workforce. It is therefore necessary for us to look into our holdings and review the portfolio... Learn more

MPF Employee Choice Arrangement (ECA)

Published Dec 26 2018

On 1 November 2011, the MPF put into effect the Employee Choice Arrangement, whereby once in a calendar year, employees can choose to transfer the employee’s portion of mandatory contributions and... Learn more

Introduction to MPF

Enrolling in MPF

Published December 26, 2018

Do you need to enroll in MPF? If you are 18 years old but under 65 and are fully or partly... Learn more

Background to the MPF

Published December 26, 2018

With the long-standing low birth rate and the lengthening of life expectancy, Hong Kong is... Learn more

How MPF work

Early Withdrawal of MPF benefits

Published December 26, 2018

You can withdraw your MPF accrued benefits when you reach the age of 65, either in a lump sum or... Learn more

Part time work and MPF

Published December 26, 2018

The culinary and construction industries often employ part-time workers. They are hired by the... Learn more

Contribution Period and Contribution Amount

Published December 26, 2018

Contribution Day and Employee’s Contribution Holiday On or before each contribution day, the... Learn more

Investing MPF

Choosing the Right MPF Fund

Published December 26, 2018

The accrued benefits of your MPF fund depend on your investment choice. As a member in the... Learn more

Three Keys to MPF Investment

Published December 26, 2018

Faced with a plethora of MPF funds, how is one to choose?  MPFA’s Fund Fact Sheet is a handy... Learn more

Contribution Account vs. Personal Account

Published December 26, 2018

Many of us in the workforce fail to take proper measures with our MPF accounts after we change... Learn more

What to do with your MPF when you change your job?

Published December 26, 2018

In this day and age, it is quite common to change your job every now and then.  Typically, when... Learn more

What are Voluntary Contributions?

Published December 26, 2018

It is possible to increase your post-retirement savings by Voluntary Contributions. Voluntary... Learn more

Compound interest effect

Published December 26, 2018

Compound interest refers to the way that the interest one earns from an investment gets... Learn more

Dollar Cost Averaging

Published December 26, 2018

MPF operates in a way very similar to Dollar Cost Averaging in that scheme members make a... Learn more

How to assessing a fund’s risk level

Published December 26, 2018

Many MPF service providers designate a risk rating to the funds that they offer. Members should... Learn more

What is Default Investment Strategy (DIS) ?

Published December 26, 2018

If you do not have the time or do not want to make an investment choice with your MPF... Learn more

MPF schemes: Types and Risks

Published December 26, 2018

Under the MPF system, a trustee is required to provide one or more schemes for members’... Learn more

Review your MPF

Access information of your personal accounts

Published December 26, 2018

After changing jobs a few times, many of us will end up having a number of MPF accounts. This... Learn more

Reviewing your MPF investment

Published December 26, 2018

MPF affects the security of post-retirement life of each and every one of us who is in the Hong... Learn more

MPF Employee Choice Arrangement (ECA)

Published December 26, 2018

On 1 November 2011, the MPF put into effect the Employee Choice Arrangement, whereby once in a... Learn more

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