Regularly reviewing your MPF investment is essential to ensure your retirement savings are on track. Here’s how to effectively review your MPF portfolio.
Why Review Your MPF?
- Market changes: Financial markets evolve, and your fund selections should adapt
- Life stage changes: As you approach retirement, your risk tolerance typically decreases
- Fee optimization: Lower-cost options like DIS may improve net returns
- Performance tracking: Ensure your funds are meeting expectations
When to Review
Consider reviewing your MPF investment:
- Annually or semi-annually
- When changing jobs
- When approaching retirement age (within 10 years)
- After major life events (marriage, children, career change)
Key Factors to Consider
- Fund performance: Compare returns against benchmarks
- Fees: Lower fees mean more money in your pocket
- Risk level: Ensure it matches your risk tolerance
- Investment mix: Consider diversifying across fund types
2026 Review: DIS Outperforms
Recent data shows that the Default Investment Strategy (DIS) has delivered approximately 6.4% annualized return since its launch in 2017. In 2025, DIS returned 13.6% (MPFA) — below the overall MPF return of around 15–16%, but ahead of many actively managed funds after fees.
How to Review via eMPF
The eMPF platform makes reviewing your MPF easy:
- View all your MPF accounts in one place
- Compare fund performance
- Check fee structures
- Submit fund switching requests
2026 Tips
- The average MPF balance exceeded HK$350,000 in May 2026
- YTD 2026 return: 7.22% (as of May 2026)
- Consider switching to DIS if you have not reviewed your funds recently
- Use the eMPF platform for convenient account management
[Source: MPFA, MPF Ratings]