How Often Should MPF Portfolios Be Reviewed?

What did the 2010 “MPF Boy” column say?

An August 2010 Sing Pao column advised: MPF is long-term investing, but portfolios need regular review to stay aligned with life-stage goals, asset allocation and risk tolerance. Reviews should follow life changes — career, family, stage of life — not market noise.

What’s the pitfall of switching too often?

Unlike stocks, MPF punishes frequent switching. Trustees issue a fund fact sheet at least twice a year with objectives, top-ten holdings, performance and risk indicators; stay put if it matches your goals, adjust if not. Comparing at MPF fund comparison is good review homework.

What if your career is going well?

Higher earnings and a secure retirement outlook raise risk tolerance — you might stay aggressive; otherwise, dial it down.