How Can Voluntary Contributions Fund Your Retirement Dream?

What did a 2011 expert’s maths show about voluntary top-ups?

In 2011, AIA’s Pearl Tse showed a 25-year-old earning HK$20,000 at 5% annual return would retire with about HK$3.07 million after 40 years — plus HK$500 monthly voluntary contributions, that rose by HK$766,689, or HK$3,000 extra a month over 20 years. Regular contributions harvest dollar-cost averaging and compounding.

How flexible are personal voluntary contributions?

No employer needed, withdrawals anytime, more investment choices; check contribution terms, fees, minimum withdrawal amounts and fund-switching rules.

Which voluntary plan suits you?

Compare plan fees, fund choices and performance at MPF fund comparison.