MPF’s Four Big Loopholes: How Many Hit You?

What are the system’s four big loopholes?

MPF is charged with four loopholes: steep fees eating returns, offsetting wiping out employer contributions, limited choice binding workers, lax oversight enabling breaches; HK$300 billion-plus built in ten years, but workers’ net gains disappoint. Unplugged loopholes fuel resentment.

How do you protect yourself meanwhile?

Don’t wait for reform — act: low-fee funds, Employee Choice switches, regular contribution checks. Compare your plan’s cheapest funds and guard your money inside a leaky system.