HKEJ Research: MPF’s Decade — Credit and Blame

Ten years of MPF: more credit or more blame?

HKEJ’s research unit reviews a decade of MPF: credit for building retirement habits for 2.5 million workers and HK$300 billion-plus in assets; blame for high fees, limited choice and patchy returns. Reform decides the next decade.

What’s the prescription?

Lower fees, more transparency, wider choice. Until policy lands, self-help wins: compare your funds’ fees and returns and put ten years of contributions where they cost least.