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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
0.54% – 2.05%
Expense ratio range
30 yrs
Compounding impact of a 1% fee gap
Fund of the Day
1 / 5
Up +84.8% in a year — one of the strongest runs on mpf.hk

HAITONG KOREA FUND (Class A)

+84.9%
1-Yr Return
+8.1%
5-Yr Return · p.a.
+1.71%
Expense Ratio
Class 7
Risk Class
  • Up 84.8% over the past year — the best of 2 Korean equity MPF funds. Over 5 years it's made 8.1% a year.
  • Fund expense ratio 1.71% a year — cheapest of the group (peers: 1.71%–1.71%). Low fees don't guarantee returns, but they lower the hurdle every year.
  • Risk class 7, near the top of the scale. Worst calendar year on record: 2022 (-24.3%). If that volatility keeps you up at night, size the position accordingly.
Past performance is not indicative of future returns. Read the full fund commentary →
Down 11.7% over the past year — what happened?

BEA China Tracker Fund

-11.7%
1-Yr Return
-4.7%
5-Yr Return · p.a.
+1.19%
Expense Ratio
Class 6
Risk Class
  • Down 11.7% over the past year — last of 10 China equity MPF funds. But the 5-year record is still negative (-4.7% a year) — the rebound hasn't filled the hole yet.
  • Fund expense ratio 1.19% a year — 11 bps below the median China equity fund (1.3%), middle of the range (peers: 0.88%–1.75%). 11 bps below the median — that cost edge compounds every year.
  • Risk class 6, near the top of the scale. Worst calendar year on record: 2021 (-22.1%). Not everyone can stomach that ride.
Past performance is not indicative of future returns. Read the full fund commentary →
+11.6% a year over 5 years — the long game

American Fund

+18.8%
1-Yr Return
+11.0%
5-Yr Return · p.a.
+0.83%
Expense Ratio
Class 5
Risk Class
  • Up 19.8% over the past year — 4 out of 6 North American equity MPF funds. Over 5 years it's made 11.6% a year.
  • Fund expense ratio 0.83% a year — 49 bps below the median North American equity fund (1.32%), cheapest of the group (peers: 0.83%–1.76%). 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 (-19.3%). If that volatility keeps you up at night, size the position accordingly.
Past performance is not indicative of future returns. Read the full fund commentary →
Management fee 2.05% a year — does the fee earn its keep?

Guaranteed Fund

+0.4%
1-Yr Return
-0.2%
5-Yr Return · p.a.
+2.05%
Expense Ratio
Class 2
Risk Class
  • Up 0.4% over the past year — 5 out of 8 guaranteed MPF funds. But the 5-year record is still negative (-0.2% a year) — the rebound hasn't filled the hole yet.
  • Fund expense ratio 2.05% a year — 16 bps above the median guaranteed fund (1.89%), middle of the range (peers: 1.54%–3.04%). The cheapest rival's fund expense ratio is 1.54%; over a decade that gap compounds to around 5% of your money. The extra fee has to earn its keep every single year.
  • Risk class 2. Worst calendar year on record: 2022 (-6.8%). Not everyone can stomach that ride.
Past performance is not indicative of future returns. Read the full fund commentary →
Up +82.0% in a year — one of the strongest runs on mpf.hk

BEA (Industry Scheme) Asian Equity Fund

+82.0%
1-Yr Return
+10.9%
5-Yr Return · p.a.
+1.27%
Expense Ratio
Class 6
Risk Class
  • Up 82% over the past year — the best of 10 Asian equity MPF funds. Over 5 years it's made 10.8% a year.
  • Fund expense ratio 1.27% a year — 19 bps below the median Asian equity fund (1.46%), middle of the range (peers: 1.23%–1.86%). 19 bps below the median — that cost edge compounds every year.
  • Risk class 6, near the top of the scale. Worst calendar year on record: 2022 (-24.4%). That kind of drawdown separates the patient from the panicked.
Past performance is not indicative of future returns. Read the full fund commentary →
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Latest News

Lead Story

MPF semi-portability transfers up 32%, 3 in 4 eye full portability

BCT, the Bank Consortium Trust group, published new data and survey findings on 6 November: in the first ten months of 2026, the number of members transferring into BCT through MPF semi-portability (the Employee Choice Arrangement) rose 32% year on year, while its survey found three in four workers are preparing to use full portability […]

Kay Choi · 2026-11-09
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Education

Terminal Illness or Total Incapacity: Early MPF Withdrawal Explained

Note: general information only, not medical or legal advice. If you suffer a terminal illness or become totally incapacitated, the law allows early withdrawal…
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2026 MPF Contribution Cap: $1,500/Month Now, $2,000 Proposed?

The 2026 MPF mandatory contribution cap stays at $1,500 per month (each for employer and employee), based on maximum relevant income of $30,000/month. But…
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How Is MPF Divided on Divorce? Court Orders and Splitting Explained

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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… → Can I move my MPF to a scheme I choose? What is “semi-portability”? Yes. Under the Employee Choice Arrangement (in force since 1 November 2012), you may transfer the accrued benefits derived from your own mandatory contributions to an… → 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… →
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