Picking MPF Step One: Know the Six Fund Types

What does it take to choose MPF well?

Thirty-nine schemes offer 403 constituent funds, broadly six types by asset class and objective; before choosing, weigh risk tolerance, years to retirement and goals — that homework is unavoidable. The “MPF Insight” column warns MPF is long-term: don’t switch on market noise and damage compounded returns.

Which type fits you?

Young members can stomach equity funds; near-retirees go conservative. Start by browsing each fund type’s line-up and performance and match to your profile — no more blind contributions.