Why Could MPF Withstand Market Storms?

Should a Market Plunge Trigger MPF Switches?

Chik Chai reminded neighbour Mei-yee that MPF is long-term investing — no hasty portfolio changes over short-term swings. Unlike short-term speculation, MPF’s monthly fixed contributions buy funds at prevailing prices; temporary ups and downs need not cause alarm.

What Are Dollar-Cost Averaging and Compounding?

Rising prices mean fewer units per contribution; falling prices mean more units for the same money — smoothing the purchase price over time. Returns reinvested on the principal compound, and the longer the horizon, the stronger the effect.

Could MPF Be Left Unattended?

Equity funds carry higher risk than other fund types, so members should review portfolios and goals regularly — by risk tolerance, life stage, and years to retirement — adjusting as needed to manage MPF actively.
Weathering storms still calls for regular reviews — compare MPF funds by risk level and manage the mix actively.