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MPF.hk - Compare Hong Kong MPF Funds, Returns & Fees

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HK$1.71tn
Total MPF assets (Aug 2026)
+8.21%
Average YTD return
0.95% – 2.10%
Expense ratio range
30 yrs
Compounding impact of a 1% fee gap
Fund of the Day
1 / 5
Down 11.4% over the past year — what happened?

Hang Seng China Enterprises Index Tracking Fund

-11.4%
1-Yr Return
-4.4%
5-Yr Return · p.a.
+0.88%
Expense Ratio
Class 6
Risk Class
  • Down 11.4% over the past year — 9 out of 10 China equity MPF funds. near the bottom of the group. But the 5-year record is still negative (-4.4% a year) — the rebound hasn't filled the hole yet.
  • Management fee 0.88% a year — cheapest of the group (peers: 0.88%–1.75%). Low fees don't guarantee returns, but they lower the hurdle every year.
  • Risk class 6, near the top of the scale. Worst calendar year on record: 2021 (-22%). Not everyone can stomach that ride.
Data as of 2026-06-30 · updated every 2 days Past performance is not indicative of future returns. Read the full fund commentary →
+11.6% a year over 5 years — the long game

ValueChoice North America Equity Tracker Fund

+19.8%
1-Yr Return
+11.6%
5-Yr Return · p.a.
+0.82%
Expense Ratio
Class 5
Risk Class
  • Up 19.8% over the past year — 2 out of 4 US equity MPF funds. Respectable. Over 5 years it's made 11.6% a year.
  • Management fee 0.82% a year — cheapest of the group (peers: 0.82%–1.33%). Low fees don't guarantee returns, but they lower the hurdle every year.
  • Risk class 5, near the top of the scale. Worst calendar year on record: 2022 (-19.8%). Not everyone can stomach that ride.
Data as of 2026-06-30 · updated every 2 days Past performance is not indicative of future returns. Read the full fund commentary →
Management fee 1.92% a year — does the fee earn its keep?

China Life Joyful Retirement Guaranteed Fund

+3.8%
1-Yr Return
+0.4%
5-Yr Return · p.a.
+1.92%
Expense Ratio
Class 3
Risk Class
  • Up 3.8% over the past year — 2 out of 8 guaranteed MPF funds. Respectable. Over 5 years it's made 0.4% a year.
  • Management fee 1.92% a year — middle of the range (peers: 1.54%–3.04%). The cheapest rival's management fee is 1.54%; over a decade that gap compounds to around 4% of your money. The extra fee has to earn its keep every single year.
  • Risk class 3. Worst calendar year on record: 2022 (-9.7%). Not everyone can stomach that ride.
Data as of 2026-06-30 · updated every 2 days Past performance is not indicative of future returns. Read the full fund commentary →
Up +58.1% in a year — one of the strongest runs on mpf.hk

Sun Life MPF Asian Equity Fund

+58.2%
1-Yr Return
+4.6%
5-Yr Return · p.a.
+1.79%
Expense Ratio
Class 6
Risk Class
  • Up 58.1% over the past year — 2 out of 10 Asian equity MPF funds. Respectable. Over 5 years it's made 4.6% a year.
  • Management fee 1.79% a year — middle of the range (peers: 1.23%–1.86%). The cheapest rival's management fee is 1.23%; over a decade that gap compounds to around 6% of your money. The extra fee has to earn its keep every single year.
  • Risk class 6, near the top of the scale. Worst calendar year on record: 2022 (-21.9%). Not everyone can stomach that ride.
Data as of 2026-06-30 · updated every 2 days Past performance is not indicative of future returns. Read the full fund commentary →
Down 3.3% over the past year — what happened?

BCT (Pro) Hang Seng Index Tracking Fund

-3.3%
1-Yr Return
-2.0%
5-Yr Return · p.a.
+0.81%
Expense Ratio
Class 6
Risk Class
  • Down 3.3% over the past year — 29 out of 30 HK equity MPF funds. near the bottom of the group. But the 5-year record is still negative (-2% a year) — the rebound hasn't filled the hole yet.
  • Management fee 0.81% a year — middle of the range (peers: 0.58%–1.91%).
  • Risk class 6, near the top of the scale. Worst calendar year on record: 2022 (-13.3%). Not everyone can stomach that ride.
Data as of 2026-06-30 · updated every 2 days Past performance is not indicative of future returns. Read the full fund commentary →
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Latest News

Lead Story

Paying 1.67% for Index Returns: The Closet-Indexing X-Ray of MPF Hong Kong Equity Funds

You think you are buying active management. A fund manager’s name sits on the fact sheet, charging 1.31%, 1.49%, even 1.67% — more than twice what a Hang Seng Index tracker costs. But lay five years of calendar returns side by side, then match the top-ten holdings stock by stock, and an uncomfortable fact emerges: […]

Marcus Tang · 2026-09-28
Editor's Picks
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FAQ
I’ve lost track of old MPF accounts. How do I find them? Log in to eMPF — it shows all your accounts across every trustee in one place (see N7). If an account still doesn't appear, the MPFA… → What happens to my MPF when I change jobs? Your old employer's contributions stop on your last day, but your accrued benefits stay invested in the old scheme. You can leave them there, transfer them… → What is eMPF? eMPF (積金易) is the MPFA's central electronic platform, launched on 26 June 2024, with all trustees onboarded by end 2025. It lets you view all your… →
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