Why Could Busy Workers Choose Automatic MPF Asset Allocation?

What If You Have No Time to Manage MPF?

Tse Pui-lan, AIA’s senior vice-president for pensions, suggested workers short on time or investment knowledge consider providers’ automatic asset-allocation services. The system automatically allocates current and future investments by preset ratios based on age — no fund-picking required.

How Did the Service Work?

Under AIA-JF’s “Easy Invest” service, for example, investments were split across equity, bond and guaranteed funds by preset ratios tied to age or target savings horizon, free of charge.

How Should Middle-Aged Workers Allocate?

Tse said middle-aged workers, 15–25 years from retirement, could consider mixed-asset or bond funds to balance risk and return. But their stance need not be conservative — it depends on the overall financial plan: those with stable income or ample reserves could pursue higher-return funds. Compare MPF funds to understand each fund type’s risk and return.