Six decision points on your MPF investment journey

The MPF is an investment journey spanning decades, and members face six major “decision points” along the way: how to pick funds, how to pick an MPF scheme, whether to make MPF voluntary contributions, how to handle accrued benefits when changing jobs, when and how to adjust the portfolio, and how to handle benefits at retirement. Thinking through all six leads to choices that genuinely fit your needs.

What are the six decision points?

Pick funds by risk, pick schemes by fees and service, top up by need. First, choosing funds means watching risk — personal needs decide. Second, choosing an MPF scheme means looking at fund expenses, and service quality matters too. Third, extra voluntary contributions depend on your needs and can top up retirement protection. Fourth, when changing jobs, don’t forget the MPF — handle the accounts promptly. Fifth, review MPF investments regularly and adjust allocation as needs change. Sixth, at retirement, choose between withdrawing or letting the money roll on.

Where can you learn more?

The MPFA runs a three-day MPF investment education roadshow at Olympian City. With themed exhibitions, game booths and an “MPF advisory station”, certified financial planners offer neutral, free MPF analysis and retirement planning advice. Members can bring their latest annual benefit statements for on-site analysis.

To see whether MPF voluntary contributions suit you, visit MPF fund comparison.