<?xml version="1.0" encoding="UTF-8"?>
<?xml-stylesheet type="text/xsl" href="https://mpf.hk/wp-sitemap.xsl" ?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"><url><loc>https://mpf.hk/en/under-the-employee-choice-arrangement-your-contributions-are-yours-to-command-know-the-three-options/</loc><lastmod>2012-11-09T17:38:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/convoy-mpf-index-up-1-42-in-october-transfer-enquiries-double-performance-leads/</loc><lastmod>2012-11-09T17:32:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/will-the-government-become-an-mpf-public-trustee-amy-wu-flags-two-big-worries/</loc><lastmod>2012-11-08T17:33:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/citibank-urges-mpf-to-buy-etfs-low-fees-full-transparency-one-cost-cutting-move/</loc><lastmod>2012-11-08T17:22:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-semi-portability-launches-john-tsang-urges-patience-mpfa-urges-risk-awareness/</loc><lastmod>2012-11-07T17:54:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/using-mpf-as-bait-to-recruit-you-as-an-agent-the-job-seeker-trap-in-the-semi-portability-era/</loc><lastmod>2012-11-07T17:52:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/worst-mpf-funds-lag-over-five-years-a-hk15000-earner-effectively-contributed-three-and-a-half-years-for-nothing/</loc><lastmod>2012-11-07T17:50:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/when-an-intermediary-hard-sells-you-an-mpf-fund-three-ways-to-protect-yourself/</loc><lastmod>2012-11-07T17:45:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-planning-for-post-80s-workers-why-the-young-should-dare-to-be-bold/</loc><lastmod>2012-11-07T17:43:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfa-website-crashes-on-semi-portability-day-one-where-else-to-get-the-transfer-form/</loc><lastmod>2012-11-07T17:36:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/bct-mpf-under-semi-portability-how-should-you-review-the-need-to-switch/</loc><lastmod>2012-11-07T17:30:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-arrangement-six-qas-on-switching-trustees-cleared-up-at-once/</loc><lastmod>2012-11-07T17:26:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/axa-mpf-did-its-guaranteed-fund-beat-the-hang-seng-index-over-1-and-5-years/</loc><lastmod>2012-11-07T17:24:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/bea-mpf-how-to-choose-between-three-schemes-fees-from-0-6/</loc><lastmod>2012-11-07T17:23:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/boc-prudential-mpf-new-index-tracking-series-brings-active-and-passive-together/</loc><lastmod>2012-11-07T17:19:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/hsbc-mpf-a-chance-to-consolidate-accounts-under-semi-portability/</loc><lastmod>2012-11-07T17:17:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/semi-portability-week-one-switchers-are-mostly-personal-accounts-not-contribution-accounts/</loc><lastmod>2012-11-07T17:13:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/early-november-2012-market-snapshot-on-the-eve-of-the-us-election-the-world-holds-its-breath/</loc><lastmod>2012-11-06T23:47:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-do-mpf-indices-tell-you-whether-a-fund-is-good-convoy-and-ftse-play-different-roles/</loc><lastmod>2012-11-06T20:57:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/half-of-grassroots-workers-dont-know-what-semi-portability-is-more-information-isnt-better/</loc><lastmod>2012-11-06T20:52:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-members-made-hk12093-each-in-ten-months-equity-funds-led-healthcare-strongest/</loc><lastmod>2012-11-06T20:50:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/switching-mpf-better-stubborn-about-quality-why-avoid-japan-equity-funds/</loc><lastmod>2012-11-06T20:48:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/hsbc-mpf-sits-on-a-million-clients-why-stay-put-watching-semi-portability-before-moving/</loc><lastmod>2012-11-05T17:54:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/bcts-lau-ka-shi-know-more-about-semi-portability-dont-switch-for-switchings-sake/</loc><lastmod>2012-11-05T17:50:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/lee-chan-wing-beware-the-sales-trap-you-think-youre-rational-but-maybe-not/</loc><lastmod>2012-11-05T17:44:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/so-wai-man-dont-underestimate-mpf-compounding-start-10-years-early-gain-73-more/</loc><lastmod>2012-11-05T17:39:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/sun-life-first-state-hong-kong-equity-fund-new-money-flooding-in-managers-say-they-can-cope/</loc><lastmod>2012-11-05T17:36:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/be-rational-about-semi-portability-switch-for-quality-not-for-switchings-sake/</loc><lastmod>2012-11-05T17:34:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-management-fees-at-1-no-dream-the-mpfas-view/</loc><lastmod>2012-11-05T17:29:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-contributions-whats-the-point-of-paying-more/</loc><lastmod>2012-11-05T17:26:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/for-aggressive-investors-how-to-chase-mpf-returns/</loc><lastmod>2012-11-05T17:23:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfa-employee-choice-wont-push-up-mpf-fees/</loc><lastmod>2012-11-05T17:17:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/city-embraces-semi-portability-hsbc-mpf-leads-the-discounts/</loc><lastmod>2012-11-05T17:14:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-helps-young-workers-grow-their-mpf/</loc><lastmod>2012-11-02T21:44:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/switching-funds-under-employee-choice-three-points-not-to-skip/</loc><lastmod>2012-11-02T21:41:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-to-build-your-mpf-fund-mix-under-employee-choice/</loc><lastmod>2012-11-02T21:35:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fees-could-fall-to-1-the-mpfa-says-competition-will-do-it/</loc><lastmod>2012-11-02T21:31:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-only-the-right-strategy-lifts-returns/</loc><lastmod>2012-11-02T21:27:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/homework-before-switching-how-to-use-the-mpf-service-comparison-platform/</loc><lastmod>2012-11-02T21:15:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/using-the-mpfa-platform-mpf-comparison-beyond-fees/</loc><lastmod>2012-11-02T21:15:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-reform-a-1-fee-cap/</loc><lastmod>2012-11-02T21:09:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/aia-mpf-45bps-rebate-no-new-index-funds-for-now/</loc><lastmod>2012-11-02T21:05:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/unlocking-mpf-wont-cut-fees-fast-charges-unlikely-to-plunge-soon/</loc><lastmod>2012-11-01T21:51:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/employer-mpf-contributions-unchanged-the-employers-guide-to-semi-portability/</loc><lastmod>2012-11-01T21:49:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-launches-insurers-eager-banks-passive/</loc><lastmod>2012-11-01T21:47:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-reform-patchwork-fixes-wont-cut-it/</loc><lastmod>2012-11-01T21:45:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-takes-effect-2-35-million-workers-can-switch/</loc><lastmod>2012-11-01T21:42:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/countdown-to-semi-portability-big-five-trustees-two-moves-to-win-clients/</loc><lastmod>2012-10-31T19:00:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/principal-mpf-is-no-cash-cow-below-1-3-theres-no-profit/</loc><lastmod>2012-10-31T18:59:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/switching-takes-six-to-eight-weeks-employee-choice-launches-tomorrow/</loc><lastmod>2012-10-31T18:56:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/restaurant-worker-58-loses-hk5000-on-mpf-employee-choice-hits-a-nerve/</loc><lastmod>2012-10-31T18:52:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-to-choose-an-mpf-trustee-three-checks-before-switching/</loc><lastmod>2012-10-31T18:45:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-do-mpf-intermediaries-do-six-tips-to-protect-yourself/</loc><lastmod>2012-10-31T18:41:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/ex-official-mpf-draws-fire-but-the-long-term-is-the-judge/</loc><lastmod>2012-10-31T18:39:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/should-the-market-set-mpf-fees-the-industrys-case/</loc><lastmod>2012-10-30T17:31:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/universal-retirement-protection-think-twice-lessons-from-a-lamented-mpf/</loc><lastmod>2012-10-30T17:27:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/semi-portability-begins-mpfa-tightens-oversight-with-three-regulators/</loc><lastmod>2012-10-30T17:25:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/returns-eaten-by-fees-mpfas-three-moves-on-mpf-charges/</loc><lastmod>2012-10-30T17:24:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-returns-follow-the-market-review-investments-to-improve-returns/</loc><lastmod>2012-10-30T17:14:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/hsbc-mpf-gives-away-hk1-28m-retirement-reserve-in-quiz-game/</loc><lastmod>2012-10-30T17:13:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-playbook-stop-think-then-act/</loc><lastmod>2012-10-30T17:12:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/switching-can-void-your-guarantee-mpf-guarantee-funds-cost-the-most/</loc><lastmod>2012-10-30T17:10:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-perks-decoded-three-offers-read-the-fine-print/</loc><lastmod>2012-10-29T17:30:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/semi-portability-sorts-the-strong-from-the-weak-fee-cuts-need-competition/</loc><lastmod>2012-10-29T17:28:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/switching-wont-cut-mpf-management-fees-bankers-push-hong-kong-bonds/</loc><lastmod>2012-10-29T17:22:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-performance-ranking-revealed-best-5-81-worst-14-04/</loc><lastmod>2012-10-29T17:21:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-agents-lure-switchers-lawmakers-demand-tighter-oversight/</loc><lastmod>2012-10-29T17:19:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/53-of-workers-planned-to-switch-employee-choice-survey-decoded/</loc><lastmod>2012-10-29T17:17:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/on-the-eve-of-employee-choice-beware-fake-intermediaries-moving-your-mpf/</loc><lastmod>2012-10-29T17:15:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/bea-trustees-fees-from-0-6-a-new-low-for-semi-portability-mpf-charges/</loc><lastmod>2012-10-26T17:18:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/semi-portability-incoming-employee-choice-switching-explained/</loc><lastmod>2012-10-26T17:14:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/bea-launches-0-6-plan-another-fighter-in-the-mpf-fee-war/</loc><lastmod>2012-10-26T17:09:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fee-skirmish-five-firms-cut-before-semi-portability/</loc><lastmod>2012-10-26T17:07:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-reform-unfinished-employees-deserve-more-control/</loc><lastmod>2012-10-25T17:20:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-index-up-8-2-for-the-year-mpf-returns-trail-the-hang-seng/</loc><lastmod>2012-10-25T17:18:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-poll-over-half-of-workers-planned-to-switch-within-a-year/</loc><lastmod>2012-10-25T17:15:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/hsbc-mpfs-rare-street-offensive-20-off-for-preserved-accounts/</loc><lastmod>2012-10-25T17:12:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/service-showdown-small-trustees-hold-their-own-in-mpf-comparison/</loc><lastmod>2012-10-25T17:09:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/the-peg-dividend-why-north-american-equity-is-the-mpfs-only-true-zero-fx-diversifier/</loc><lastmod>2026-09-22T14:13:39+08:00</lastmod></url><url><loc>https://mpf.hk/en/know-the-risks-before-switching-mpf-once-a-year-only/</loc><lastmod>2012-10-24T20:28:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/semi-portability-favours-workers-sharper-competition-should-push-mpf-fees-down/</loc><lastmod>2012-10-24T20:26:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-switching-in-three-steps-dont-be-the-next-emily/</loc><lastmod>2012-10-24T20:23:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-to-choose-mpf-the-four-step-narrowing-method/</loc><lastmod>2012-10-24T20:21:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/three-semi-portability-myths-switching-mpf-can-cost-you-without-you-knowing/</loc><lastmod>2012-10-24T20:18:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-switchers-should-shop-around-comparing-mpf-takes-fees-and-returns/</loc><lastmod>2012-10-23T18:20:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/bea-fires-mpf-price-cut-salvos-battle-for-switching-members-begins/</loc><lastmod>2012-10-23T18:18:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/erica-yuen-i-dont-even-look-at-my-mpf-returns-says-scrap-the-system/</loc><lastmod>2012-10-23T18:15:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfa-admits-fee-cuts-too-slow-too-shallow-how-will-an-mpf-fee-cap-end/</loc><lastmod>2012-10-23T18:12:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-studies-non-profit-trustees-academic-even-the-hkma-could-join/</loc><lastmod>2012-10-23T18:09:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fees-face-legislation-anna-wu-if-cuts-disappoint-well-regulate/</loc><lastmod>2012-10-23T18:08:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/anna-wu-mpf-fee-cap-under-study-government-as-public-trustee-not-ruled-out/</loc><lastmod>2012-10-23T18:05:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/beas-japan-fund-lost-the-most-down-14-a-year-two-years-contributions-wasted/</loc><lastmod>2012-10-22T17:40:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/1-more-in-management-fees-can-swallow-hk220000-of-your-nest-egg/</loc><lastmod>2012-10-22T17:38:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/funds-chase-performance-into-year-end-morningstar-only-21-of-47-hk-equity-funds-beat-the-hang-seng/</loc><lastmod>2012-10-22T17:36:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/contributions-switchable-once-a-year-employers-share-stays-put/</loc><lastmod>2012-10-22T17:28:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/worst-mpf-fund-wiped-out-3-5-years-of-contributions-bea-japan-equities-lost-14-a-year/</loc><lastmod>2012-10-22T17:25:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/anna-wu-hopes-semi-portability-drives-fee-cuts-capping-report-due-next-month/</loc><lastmod>2012-10-21T08:38:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfa-finally-acts-proposes-capping-mpf-fees/</loc><lastmod>2012-10-20T10:02:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/five-self-defence-moves-for-mpf-switching-dont-let-agents-take-you-for-a-ride/</loc><lastmod>2012-10-20T10:00:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/consumer-councils-two-moves-to-force-fee-cuts-mpf-charges-still-have-far-to-fall/</loc><lastmod>2012-10-19T18:17:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfa-finally-acts-to-press-down-fees-proposes-cap-on-mpf-charges/</loc><lastmod>2012-10-19T18:09:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfa-non-executive-director-urges-fund-database-comparing-mpf-shouldnt-be-guesswork/</loc><lastmod>2012-10-18T17:18:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/hong-kong-mpf-fees-the-worlds-priciest-up-to-26-times-apart/</loc><lastmod>2012-10-18T17:10:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/think-before-you-switch-without-full-information-comparing-mpf-is-guesswork/</loc><lastmod>2012-10-17T17:21:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfa-think-before-you-switch-no-rush-under-the-employee-choice-arrangement/</loc><lastmod>2012-10-17T17:12:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mixed-asia-pacific-markets-chinas-inflation-cools-as-indias-heats-up/</loc><lastmod>2012-10-17T09:19:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/semi-portability-30-of-hongkongers-considered-switching-mpf-transfers-take-6-8-weeks/</loc><lastmod>2012-10-16T17:15:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/nearly-half-of-mpf-funds-lost-money-over-five-years-best-5-81-worst-%e2%88%9214-04/</loc><lastmod>2012-10-16T17:13:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/cross-strait-talks-on-travel-safety-as-mainland-visitors-to-taiwan-top-2-million/</loc><lastmod>2012-10-15T17:43:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/will-your-mpf-last-through-retirement-confidence-falls-just-4-7-years/</loc><lastmod>2012-10-15T17:38:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/boc-prudentials-tiered-fees-0-15-rebate-for-hk1m-plus-accounts/</loc><lastmod>2012-10-15T17:33:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-investment-choice-why-cant-you-buy-gold-or-a-shares/</loc><lastmod>2012-10-15T03:42:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/lamma-ferry-disaster-claims-liability-first-then-who-pays/</loc><lastmod>2012-10-13T17:24:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/fee-cuts-greet-semi-portability-mpf-management-fees-fall-to-0-7/</loc><lastmod>2012-10-13T17:18:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-funds-explained-the-conservative-fund-is-not-capital-guaranteed-it-can-lose-in-low-rates/</loc><lastmod>2012-10-13T17:12:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/fidelity-mpf-fees-still-have-room-to-fall-check-strategy-before-switching/</loc><lastmod>2012-10-12T17:16:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/fidelity-no-big-shake-up-in-fund-choices-after-semi-portability/</loc><lastmod>2012-10-12T17:14:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/semi-portabilitys-8-rules-for-intermediaries-unlicensed-selling-a-crime/</loc><lastmod>2012-10-11T17:22:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-is-mpf-the-system-contributions-and-returns-in-one-read/</loc><lastmod>2012-10-11T17:12:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfs-mess-holds-a-lesson-for-the-old-age-allowance-debate/</loc><lastmod>2012-10-11T15:16:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/retirement-cant-rely-on-public-money-alone-beyond-universal-pensions-what-else/</loc><lastmod>2012-10-11T06:45:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/li-ka-shing-tipped-to-beat-manulife-for-ings-hong-kong-insurance-business/</loc><lastmod>2012-10-10T17:29:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-should-you-invest-your-mpf-three-lessons-in-asset-allocation/</loc><lastmod>2012-10-10T17:24:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/asia-pacific-equities-led-2012s-first-nine-months-at-14-38-hk11152-per-worker/</loc><lastmod>2012-10-10T17:20:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-third-quarter-returns-rise-4-66-nine-months-up-8-06-trailing-the-hang-seng/</loc><lastmod>2012-10-10T17:14:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-no-one-manages-your-mpf-for-you-three-structural-knots/</loc><lastmod>2012-10-09T20:49:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/september-mpf-returns-hit-3-09-best-in-six-months-hk4620-per-worker/</loc><lastmod>2012-10-09T20:43:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/no-price-war-sun-lifes-three-plays-to-win-semi-portability/</loc><lastmod>2012-10-08T19:58:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/semi-portability-from-november-sun-life-sees-slow-start-no-price-war/</loc><lastmod>2012-10-08T19:58:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-voluntary-contributions-five-advantages-to-break-the-paycheck-to-paycheck-cycle/</loc><lastmod>2012-10-08T19:53:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-only-semi-free-choice-four-common-myths-debunked/</loc><lastmod>2012-10-08T19:50:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/semi-free-choice-at-a-glance-transfer-limits-and-the-6-to-8-week-process/</loc><lastmod>2012-10-08T19:43:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/new-law-from-november-mpf-default-contributions-defying-court-orders-risk-hk350000-fine-3-years-jail/</loc><lastmod>2012-10-05T21:55:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-gains-8-in-first-three-quarters-over-hk11000-per-member-on-average/</loc><lastmod>2012-10-05T21:50:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/new-mpf-hk-mpf-comparison-made-easy/</loc><lastmod>2012-10-02T08:20:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/no-handling-fee-for-mpf-transfers-but-no-interest-during-the-switch/</loc><lastmod>2012-09-27T17:36:35+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfs-biggest-reform-yet-employer-duties-unchanged-sales-kickbacks-illegal/</loc><lastmod>2012-09-27T17:30:41+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfs-next-step-part-2-turning-the-industrys-reputation-around-starts-with-wise-choices/</loc><lastmod>2012-09-27T17:26:01+08:00</lastmod></url><url><loc>https://mpf.hk/en/university-students-first-mpf-battle-is-100-hang-seng-index-fund-wise/</loc><lastmod>2012-09-24T23:18:03+08:00</lastmod></url><url><loc>https://mpf.hk/en/a-smart-guide-to-semi-free-choice-the-full-transfer-process-6-to-8-weeks/</loc><lastmod>2012-09-24T23:14:15+08:00</lastmod></url><url><loc>https://mpf.hk/en/the-secret-behind-mpf-switching-incentives-the-wool-comes-from-the-sheep/</loc><lastmod>2012-09-24T23:00:51+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-bond-funds-low-risk-respectable-returns-and-a-portfolio-balancer/</loc><lastmod>2012-09-24T22:48:43+08:00</lastmod></url><url><loc>https://mpf.hk/en/new-mpf-withdrawal-proposals-explained-phased-or-lump-sum-how-is-terminal-illness-defined/</loc><lastmod>2012-09-24T22:45:16+08:00</lastmod></url><url><loc>https://mpf.hk/en/bank-of-communications-trustee-pushed-for-mainland-bonds-in-mpf-cheap-passive-funds-eyed/</loc><lastmod>2012-09-24T22:43:37+08:00</lastmod></url><url><loc>https://mpf.hk/en/lipper-mpf-up-0-37-in-august-mixed-funds-beat-equity-and-bond/</loc><lastmod>2012-09-24T22:41:20+08:00</lastmod></url><url><loc>https://mpf.hk/en/polishing-your-mpf-step-one-consolidate-preserved-accounts/</loc><lastmod>2012-09-24T22:38:25+08:00</lastmod></url><url><loc>https://mpf.hk/en/the-pros-and-cons-of-mpf-semi-free-choice-a-hk384-billion-pie-and-timing-is-everything/</loc><lastmod>2012-09-20T21:42:22+08:00</lastmod></url><url><loc>https://mpf.hk/en/semi-free-choice-guide-2-four-factors-to-consider-before-transferring/</loc><lastmod>2012-09-20T21:39:13+08:00</lastmod></url><url><loc>https://mpf.hk/en/start-retirement-planning-early-55-saved-too-little-for-their-ideal-retirement/</loc><lastmod>2012-09-20T21:35:40+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fine-print-default-funds-switching-portfolios-and-leaving-hong-kong/</loc><lastmod>2012-09-20T21:33:17+08:00</lastmod></url><url><loc>https://mpf.hk/en/to-switch-or-not-to-switch-mpf-do-your-homework-with-benefit-statements-and-fund-facts/</loc><lastmod>2012-09-20T21:30:01+08:00</lastmod></url><url><loc>https://mpf.hk/en/september-2012-markets-qe3-lifted-asia-europe-paused-after-a-15-month-high/</loc><lastmod>2012-09-18T22:54:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/90-backed-early-mpf-access-for-the-terminally-ill-under-a-year-to-live-withdraw-in-full/</loc><lastmod>2012-09-17T17:24:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-withdrawals-at-65-were-set-for-an-overhaul-phased-payouts-and-early-access-for-the-terminally-ill/</loc><lastmod>2012-09-17T17:22:08+08:00</lastmod></url><url><loc>https://mpf.hk/en/dont-switch-mpf-just-to-switch-transfers-took-5-6-weeks-mind-the-exit-risk/</loc><lastmod>2012-09-13T22:49:54+08:00</lastmod></url><url><loc>https://mpf.hk/en/consolidating-mpf-accounts-three-ways-to-tidy-up-scattered-preserved-accounts/</loc><lastmod>2012-09-13T22:26:05+08:00</lastmod></url><url><loc>https://mpf.hk/en/dont-switch-mpf-trustees-blindly-weigh-service-fees-and-fund-range/</loc><lastmod>2012-09-13T22:24:35+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-survey-30-ignored-their-accounts-yet-80-backed-higher-contributions/</loc><lastmod>2012-09-13T22:23:43+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fees-cheapest-and-priciest-differed-nearly-10-fold-industry-urged-a-3-4-cap/</loc><lastmod>2012-09-13T22:22:12+08:00</lastmod></url><url><loc>https://mpf.hk/en/the-mpf-fee-comparison-platform-compare-the-fund-expense-ratio/</loc><lastmod>2012-09-13T22:20:50+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfa-switch-mpf-accounts-with-care-no-rush-if-your-funds-perform-well/</loc><lastmod>2012-09-10T17:39:55+08:00</lastmod></url><url><loc>https://mpf.hk/en/should-you-switch-mpf-schemes-four-factors-to-weigh-first/</loc><lastmod>2012-09-10T17:36:36+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-to-pick-mpf-funds-under-semi-free-choice-equities-and-mixed-funds-held-76/</loc><lastmod>2012-09-10T17:34:11+08:00</lastmod></url><url><loc>https://mpf.hk/en/semi-free-choice-transfers-took-six-to-eight-weeks-with-no-interest-earned/</loc><lastmod>2012-09-10T17:28:20+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-personal-accounts-face-no-annual-switching-limit/</loc><lastmod>2012-09-10T17:27:15+08:00</lastmod></url><url><loc>https://mpf.hk/en/beware-selling-low-buying-high-when-switching-mpf-trustees/</loc><lastmod>2012-09-10T17:21:21+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-to-choose-the-right-mpf-funds-ask-yourself-three-questions/</loc><lastmod>2012-09-06T17:26:18+08:00</lastmod></url><url><loc>https://mpf.hk/en/august-2012-mpf-returns-hk551-per-worker-us-equity-funds-shone/</loc><lastmod>2012-09-06T17:23:43+08:00</lastmod></url><url><loc>https://mpf.hk/en/under-the-employee-choice-arrangement-employer-contributions-are-untouched/</loc><lastmod>2012-09-06T17:19:22+08:00</lastmod></url><url><loc>https://mpf.hk/en/semi-free-choice-guide-1-which-mpf-contributions-can-you-move/</loc><lastmod>2012-09-04T17:27:03+08:00</lastmod></url><url><loc>https://mpf.hk/en/asset-managers-battled-over-semi-free-choice-a-hk12-5-billion-prize/</loc><lastmod>2012-09-03T18:36:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/unions-called-the-mpf-semi-free-choice-scheme-barely-a-quarter-free/</loc><lastmod>2012-09-03T17:59:01+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-compensation-fund-levy-suspended-workers-save-a-lunch-a-year/</loc><lastmod>2012-09-03T17:54:47+08:00</lastmod></url><url><loc>https://mpf.hk/en/jpmorgans-mpf-play-1-73-average-fees-and-an-investor-education-push/</loc><lastmod>2012-09-03T17:43:24+08:00</lastmod></url><url><loc>https://mpf.hk/en/hsbc-beefed-up-mpf-staffing-ahead-of-semi-free-choice-fees-could-fall/</loc><lastmod>2012-09-03T17:37:56+08:00</lastmod></url><url><loc>https://mpf.hk/en/switching-mpf-trustees-under-semi-free-choice-check-fees-first/</loc><lastmod>2012-09-03T17:34:13+08:00</lastmod></url><url><loc>https://mpf.hk/en/a-sound-mpf-investment-attitude-starts-with-risk-management/</loc><lastmod>2012-09-03T17:25:56+08:00</lastmod></url><url><loc>https://mpf.hk/en/jpmorgan-plotted-a-four-pronged-grab-for-mpf-switchers/</loc><lastmod>2012-09-03T17:20:14+08:00</lastmod></url><url><loc>https://mpf.hk/en/full-mpf-portability-still-a-distant-prospect/</loc><lastmod>2012-08-31T17:53:27+08:00</lastmod></url><url><loc>https://mpf.hk/en/too-many-mpf-fund-choices-workers-say-keep-it-under-ten/</loc><lastmod>2012-08-31T17:50:40+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-should-you-choose-mpf-funds-the-stock-bond-mix-shifts-with-age/</loc><lastmod>2012-08-31T17:45:23+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-arrangement-only-accrued-savings-move-new-contributions-stay-put/</loc><lastmod>2012-08-31T17:38:12+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-personal-accounts-how-to-consolidate-4-1-million-ghost-accounts/</loc><lastmod>2012-08-31T17:31:59+08:00</lastmod></url><url><loc>https://mpf.hk/en/withdrawing-mpf-in-stages-must-you-take-it-all-at-65/</loc><lastmod>2012-08-31T17:20:25+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-withdrawal-age-savings-last-only-4-7-years-retirement-becomes-retire-worry/</loc><lastmod>2012-08-31T17:14:33+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-arrangement-the-dos-and-donts-before-switching/</loc><lastmod>2012-08-30T17:50:57+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-transfers-take-six-to-eight-weeks-the-risks-to-know-before-switching/</loc><lastmod>2012-08-30T17:48:28+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-arrangement-over-40-eyed-a-switch-tax-breaks-seen-as-key/</loc><lastmod>2012-08-30T17:44:53+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-semi-free-choice-four-questions-on-the-employee-choice-arrangement/</loc><lastmod>2012-08-29T17:27:27+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-arrangement-70-didnt-know-which-part-could-move/</loc><lastmod>2012-08-29T17:18:32+08:00</lastmod></url><url><loc>https://mpf.hk/en/70-unhappy-with-mpf-protection-fees-and-guaranteed-funds-matter-most/</loc><lastmod>2012-08-29T17:16:25+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-much-do-you-know-about-semi-free-choice-five-must-ask-questions/</loc><lastmod>2012-08-28T17:32:02+08:00</lastmod></url><url><loc>https://mpf.hk/en/a-sound-mpf-investment-attitude-ii-invest-long-dont-time-the-market/</loc><lastmod>2012-08-28T17:20:34+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-arrangement-did-employers-duties-change/</loc><lastmod>2012-08-28T17:17:34+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-management-fees-top-five-trustees-took-70-of-the-market-hk4-9b-a-year/</loc><lastmod>2012-08-28T17:15:36+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-preserved-accounts-why-4-1-million-zombie-accounts-wouldnt-budge/</loc><lastmod>2012-08-24T17:32:54+08:00</lastmod></url><url><loc>https://mpf.hk/en/disappointed-by-mpf-returns-avoid-the-three-great-enemies-of-investing/</loc><lastmod>2012-08-24T17:21:05+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-arrangement-more-autonomy-for-workers-four-questions-answered/</loc><lastmod>2012-08-23T17:34:34+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-arrangement-four-essential-tools-for-choosing-an-mpf-scheme/</loc><lastmod>2012-08-23T17:19:38+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-arrangement-moves-accrued-savings-only-shift-yearly-new-money-stays/</loc><lastmod>2012-08-20T17:50:19+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-consolidation-the-simpler-the-preserved-accounts-the-clearer-the-picture/</loc><lastmod>2012-08-20T17:47:39+08:00</lastmod></url><url><loc>https://mpf.hk/en/self-employed-and-mpf-mandatory-contributions-halved-retirement-cover-may-fall-short/</loc><lastmod>2012-08-20T17:45:03+08:00</lastmod></url><url><loc>https://mpf.hk/en/beware-the-timing-risk-in-mpf-transfers-a-six-to-eight-week-gap-can-mean-buy-high-sell-low/</loc><lastmod>2012-08-20T17:25:53+08:00</lastmod></url><url><loc>https://mpf.hk/en/a-sound-mpf-investment-attitude-i-dollar-cost-averaging-plus-compounding/</loc><lastmod>2012-08-20T17:22:14+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-arrangement-qa-how-often-can-employer-contributions-move/</loc><lastmod>2012-08-17T17:21:43+08:00</lastmod></url><url><loc>https://mpf.hk/en/will-mpf-management-fees-fall-after-the-employee-choice-arrangement/</loc><lastmod>2012-08-16T18:14:39+08:00</lastmod></url><url><loc>https://mpf.hk/en/new-immigrants-dont-deserve-the-hardships-they-face-the-seven-year-rule-debate/</loc><lastmod>2012-08-16T17:58:54+08:00</lastmod></url><url><loc>https://mpf.hk/en/occupy-central-reveals-hong-kongs-underlying-strains-growth-isnt-the-only-concern/</loc><lastmod>2012-08-16T17:52:38+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-arrangement-november-transfer-rules-once-a-year-six-to-eight-weeks/</loc><lastmod>2012-08-16T17:40:36+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-consolidation-two-accounts-per-worker-on-average-mpfa-to-write-urging-mergers/</loc><lastmod>2012-08-16T17:26:04+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-arrangement-six-to-eight-week-transfers-of-accrued-savings-only/</loc><lastmod>2012-08-16T17:21:03+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-arrangement-230000-expected-to-switch-early-dont-move-for-its-own-sake/</loc><lastmod>2012-08-16T17:19:50+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-arrangement-moves-accrued-savings-only-new-money-stays-in-the-old-account/</loc><lastmod>2012-08-16T17:18:14+08:00</lastmod></url><url><loc>https://mpf.hk/en/new-rules-little-enthusiasm-65-unaware-november-brings-transfer-rights/</loc><lastmod>2012-08-15T18:30:36+08:00</lastmod></url><url><loc>https://mpf.hk/en/know-more-about-the-employee-choice-arrangement-how-often-can-employer-money-move/</loc><lastmod>2012-08-15T17:52:36+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-do-new-mpf-fund-types-take-so-long-approvals-can-drag-past-two-years/</loc><lastmod>2012-08-15T17:49:01+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fee-cuts-no-price-war-coming-but-room-to-fall-said-aia/</loc><lastmod>2012-08-15T17:47:26+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-vs-orso-know-the-difference-before-you-choose-one/</loc><lastmod>2012-08-15T17:43:34+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-arrangement-opening-up-mpf-members-are-the-winners/</loc><lastmod>2012-08-15T17:41:13+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-arrangement-awareness-still-lacking-70-in-the-dark-over-half-back-later-retirement/</loc><lastmod>2012-08-15T17:39:47+08:00</lastmod></url><url><loc>https://mpf.hk/en/70-dont-know-mpf-semi-free-choice-dont-judge-a-switch-on-fees-alone/</loc><lastmod>2012-08-15T17:36:16+08:00</lastmod></url><url><loc>https://mpf.hk/en/half-a-year-to-the-employee-choice-arrangement-workers-still-puzzled/</loc><lastmod>2012-08-13T18:21:34+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-default-contributions-how-rogue-employers-are-pursued/</loc><lastmod>2012-08-13T17:38:42+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-arrangement-greater-autonomy-over-mpf-investments/</loc><lastmod>2012-08-13T17:35:34+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-arrangement-65-hazy-on-details-dont-choose-on-fees-alone/</loc><lastmod>2012-08-13T17:28:52+08:00</lastmod></url><url><loc>https://mpf.hk/en/countdown-to-the-employee-choice-arrangement-mpfa-tightens-grip-on-agents/</loc><lastmod>2012-08-13T17:27:07+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-is-mpf-the-mpfa-isnt-the-one-managing-your-money/</loc><lastmod>2012-08-10T17:28:42+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-bond-funds-the-overlooked-all-rounder-for-offence-and-defence/</loc><lastmod>2012-08-10T17:25:50+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fee-cuts-management-fees-may-have-10-more-room-to-fall/</loc><lastmod>2012-08-10T17:21:07+08:00</lastmod></url><url><loc>https://mpf.hk/en/the-universal-retirement-protection-debate-annuity-schemes-blessing-or-curse/</loc><lastmod>2012-08-10T17:17:28+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-contribution-rates-and-caps-what-you-pay-at-different-incomes/</loc><lastmod>2012-08-10T17:14:22+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-returns-trailing-inflation-judge-returns-alongside-fees/</loc><lastmod>2012-08-08T17:40:03+08:00</lastmod></url><url><loc>https://mpf.hk/en/before-semi-portability-takes-effect-work-out-whether-to-switch-trustees/</loc><lastmod>2012-08-08T17:34:28+08:00</lastmod></url><url><loc>https://mpf.hk/en/the-employee-choice-arrangement-covers-only-employee-contributions-the-employers-share-stays-put/</loc><lastmod>2012-08-08T17:29:12+08:00</lastmod></url><url><loc>https://mpf.hk/en/workers-baffled-by-the-employee-choice-arrangement-65-unsure-what-can-move/</loc><lastmod>2012-08-08T17:19:19+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-arrangement-cheat-sheet-contributions-funds-withdrawals-in-one-place/</loc><lastmod>2012-08-06T17:29:45+08:00</lastmod></url><url><loc>https://mpf.hk/en/the-great-mpf-reform-debate-should-the-new-government-start-over/</loc><lastmod>2012-08-06T17:15:24+08:00</lastmod></url><url><loc>https://mpf.hk/en/under-the-employee-choice-arrangement-when-should-you-review-your-mpf-mix/</loc><lastmod>2012-08-04T17:28:12+08:00</lastmod></url><url><loc>https://mpf.hk/en/checking-your-mpf-account-how-to-use-benefit-statements-and-fund-fact-sheets/</loc><lastmod>2012-08-04T17:19:57+08:00</lastmod></url><url><loc>https://mpf.hk/en/a-lai-see-to-settle-severance-the-tseung-kwan-o-to-sheung-shui-transfer-trap/</loc><lastmod>2012-08-03T17:56:16+08:00</lastmod></url><url><loc>https://mpf.hk/en/universal-retirement-protection-back-on-the-table-as-ageing-projections-bite/</loc><lastmod>2012-08-03T17:49:48+08:00</lastmod></url><url><loc>https://mpf.hk/en/compensation-fund-levy-the-new-auto-mechanism-pause-at-hk1-4-billion-resume-at-hk1-billion/</loc><lastmod>2012-08-03T17:31:09+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-performance-ranking-hk1562-per-worker-in-july-but-still-down-over-the-year/</loc><lastmod>2012-08-03T17:29:53+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-compensation-fund-levy-suspended-what-do-workers-save/</loc><lastmod>2012-08-03T17:24:38+08:00</lastmod></url><url><loc>https://mpf.hk/en/does-the-mpf-conservative-fund-protect-capital-it-was-renamed-in-2009-over-just-this-confusion/</loc><lastmod>2012-07-30T20:43:15+08:00</lastmod></url><url><loc>https://mpf.hk/en/where-does-your-mpf-contribution-go-inside-the-trustees-pipeline/</loc><lastmod>2012-07-30T20:40:23+08:00</lastmod></url><url><loc>https://mpf.hk/en/a-guide-to-switching-mpf-providers-risk-first-returns-second/</loc><lastmod>2012-07-30T20:39:07+08:00</lastmod></url><url><loc>https://mpf.hk/en/consolidating-mpf-accounts-why-pre-retirees-should-merge-early/</loc><lastmod>2012-07-30T20:37:30+08:00</lastmod></url><url><loc>https://mpf.hk/en/aias-mpf-play-no-price-war-more-fund-choice-to-keep-clients/</loc><lastmod>2012-07-30T20:35:01+08:00</lastmod></url><url><loc>https://mpf.hk/en/before-the-employee-choice-arrangement-regulators-eyed-two-tough-curbs-on-selling/</loc><lastmod>2012-07-30T20:32:49+08:00</lastmod></url><url><loc>https://mpf.hk/en/hong-kongs-hk1-4-million-retirement-gap-how-to-fill-it-before-65/</loc><lastmod>2012-07-30T05:36:22+08:00</lastmod></url><url><loc>https://mpf.hk/en/beyond-the-preserved-account-how-to-set-your-mpf-investment-goals/</loc><lastmod>2012-07-28T08:42:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/before-the-employee-choice-arrangement-why-an-extra-hk500-a-month-changes-everything/</loc><lastmod>2012-07-28T08:40:49+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-performance-a-ten-year-report-card-5-1-vs-the-hang-sengs-trouncing/</loc><lastmod>2012-07-28T08:38:33+08:00</lastmod></url><url><loc>https://mpf.hk/en/three-workers-three-mpf-headaches-how-to-consolidate-personal-accounts/</loc><lastmod>2012-07-24T17:48:19+08:00</lastmod></url><url><loc>https://mpf.hk/en/loopholes-in-the-mpf-permanent-departure-declaration-one-form-one-oath-money-out/</loc><lastmod>2012-07-24T17:38:31+08:00</lastmod></url><url><loc>https://mpf.hk/en/a-blind-spot-in-mpf-reform-who-regulates-the-investment-advice-intermediaries-give/</loc><lastmod>2012-07-24T17:36:36+08:00</lastmod></url><url><loc>https://mpf.hk/en/the-nuts-and-bolts-of-mpf-reform-how-the-intermediary-code-ran-one-trade-four-regulators/</loc><lastmod>2012-07-24T17:31:08+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-withdrawal-on-permanent-departure-20000-claims-a-year-yet-prosecutions-fell-40/</loc><lastmod>2012-07-23T22:34:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/abuse-of-the-mpf-permanent-departure-declaration-an-accused-member-saw-nothing-wrong/</loc><lastmod>2012-07-23T18:29:26+08:00</lastmod></url><url><loc>https://mpf.hk/en/pre-retirement-mpf-strategy-how-to-choose-between-bond-conservative-and-guaranteed-funds/</loc><lastmod>2012-07-23T18:14:04+08:00</lastmod></url><url><loc>https://mpf.hk/en/intermediaries-under-mpf-reform-industry-feared-overlapping-one-trade-four-regulators/</loc><lastmod>2012-07-23T18:11:07+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-reform-the-authority-once-mulled-capping-workers-at-two-accounts/</loc><lastmod>2012-07-21T20:39:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-to-choose-the-best-mpf-fund-in-hong-kong-three-risk-checks/</loc><lastmod>2012-07-20T17:19:04+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-arrangement-five-questions-on-timing-risk-and-fees/</loc><lastmod>2012-07-20T17:14:22+08:00</lastmod></url><url><loc>https://mpf.hk/en/a-new-mpf-fund-type-2012s-first-renminbi-hong-kong-dollar-fund/</loc><lastmod>2012-07-20T17:12:24+08:00</lastmod></url><url><loc>https://mpf.hk/en/checking-your-mpf-balance-how-to-read-the-statement-your-trustee-sends/</loc><lastmod>2012-07-18T18:04:59+08:00</lastmod></url><url><loc>https://mpf.hk/en/starting-mpf-early-pays-a-10-year-head-start-was-worth-hk1-11-million/</loc><lastmod>2012-07-18T17:45:16+08:00</lastmod></url><url><loc>https://mpf.hk/en/is-the-mpf-conservative-fund-the-same-as-capital-protected-not-quite/</loc><lastmod>2012-07-18T17:37:24+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fee-rebates-manulifes-2012-play-for-preserved-accounts/</loc><lastmod>2012-07-18T17:14:14+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-does-mpf-work-who-actually-handles-your-contributions/</loc><lastmod>2012-07-18T17:13:17+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-arrangement-which-of-your-three-mpf-accounts-can-move/</loc><lastmod>2012-07-18T17:08:03+08:00</lastmod></url><url><loc>https://mpf.hk/en/hong-kong-raises-the-mpf-contribution-ceiling-to-hk25000/</loc><lastmod>2012-07-18T16:59:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/dodging-severance-top-ups-four-dirty-tricks-employers-used-on-staff/</loc><lastmod>2012-07-14T22:37:38+08:00</lastmod></url><url><loc>https://mpf.hk/en/will-mpf-fund-fees-comparison-favour-members-after-semi-portability/</loc><lastmod>2012-07-14T22:33:24+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-arrangement-mpf-providers-fight-for-employee-contributions/</loc><lastmod>2012-07-14T22:31:40+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-arrangement-only-your-own-contributions-can-move/</loc><lastmod>2012-07-14T22:29:06+08:00</lastmod></url><url><loc>https://mpf.hk/en/turning-50-how-should-your-mpf-strategy-get-more-conservative/</loc><lastmod>2012-07-14T22:27:39+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-employer-obligations-hong-kong-when-must-a-small-shop-owner-start-contributing/</loc><lastmod>2012-07-11T22:17:38+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-arrangement-three-things-to-weigh-before-switching-mpf-providers/</loc><lastmod>2012-07-11T22:15:20+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-to-choose-the-best-mpf-fund-in-hong-kong-four-checks-for-index-funds/</loc><lastmod>2012-07-11T22:12:19+08:00</lastmod></url><url><loc>https://mpf.hk/en/hong-kong-retirement-savings-gap-widens-to-hk1-4m-fidelity-survey-finds/</loc><lastmod>2012-07-10T17:35:18+08:00</lastmod></url><url><loc>https://mpf.hk/en/pay-on-time-employers-mpf-duty-mpfa-urges-workers-on-hk6500-plus-to-check/</loc><lastmod>2012-07-10T17:31:43+08:00</lastmod></url><url><loc>https://mpf.hk/en/retirement-readiness-falls-to-50-2pc-as-fidelity-urges-tax-breaks-for-voluntary-mpf-savings/</loc><lastmod>2012-07-10T17:28:18+08:00</lastmod></url><url><loc>https://mpf.hk/en/fidelity-sees-room-for-mpf-fee-cuts-after-semi-portability-launch/</loc><lastmod>2012-07-10T17:23:12+08:00</lastmod></url><url><loc>https://mpf.hk/en/will-mpf-switching-really-take-off-australias-experience-says-maybe-not/</loc><lastmod>2012-07-10T17:21:44+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-semi-portability-takes-effect-in-november-your-employee-choice-arrangement-questions-answered/</loc><lastmod>2012-07-07T00:58:54+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-is-only-one-of-three-retirement-pillars-what-voluntary-contributions-mean/</loc><lastmod>2012-07-07T00:53:38+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-performance-first-half-2012-return-of-3-21pc-meant-hk4869-per-worker/</loc><lastmod>2012-07-07T00:47:32+08:00</lastmod></url><url><loc>https://mpf.hk/en/bank-of-east-asia-cut-mpf-management-fees-in-2012-23pc-off-nine-funds/</loc><lastmod>2012-07-07T00:41:44+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-management-fees-have-room-to-fall-but-dont-judge-on-fees-alone/</loc><lastmod>2012-07-07T00:39:52+08:00</lastmod></url><url><loc>https://mpf.hk/en/high-intermediary-commissions-keep-mpf-fees-stubbornly-high/</loc><lastmod>2012-07-07T00:36:28+08:00</lastmod></url><url><loc>https://mpf.hk/en/is-your-mpf-safe-in-a-debt-crisis-how-the-trust-system-protects-assets/</loc><lastmod>2012-07-07T00:29:59+08:00</lastmod></url><url><loc>https://mpf.hk/en/72pc-of-workers-doubt-mpf-will-fund-their-retirement-as-universal-pension-debate-reignites/</loc><lastmod>2012-07-07T00:24:59+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-equity-fund-returns-reward-the-patient-dont-dump-stocks-in-a-slump/</loc><lastmod>2012-07-07T00:22:08+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-withdrawal-age-is-65-but-retirees-can-keep-accounts-invested/</loc><lastmod>2012-07-07T00:17:27+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-swings-back-to-gains-in-june-as-first-half-return-hits-3-21pc/</loc><lastmod>2012-07-07T00:10:52+08:00</lastmod></url><url><loc>https://mpf.hk/en/last-day-416-point-rally-lifts-first-half-mpf-gains-to-hk4441-per-member/</loc><lastmod>2012-07-07T00:09:03+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-loses-7-13pc-in-a-year-hk10307-gone-per-worker/</loc><lastmod>2012-07-06T17:36:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/2012-survey-over-half-feared-living-on-welfare-after-retirement/</loc><lastmod>2012-07-04T02:22:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-contribution-rise-maximum-relevant-income-up-to-hk25000-monthly-cap-hk1250/</loc><lastmod>2012-06-18T17:44:48+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-contribution-cap-rises-to-hk1250-what-higher-earners-must-check-now/</loc><lastmod>2012-06-18T09:25:27+08:00</lastmod></url><url><loc>https://mpf.hk/en/do-summer-interns-pay-mpf-the-60-day-rule-for-part-timers-explained/</loc><lastmod>2012-06-18T17:23:13+08:00</lastmod></url><url><loc>https://mpf.hk/en/new-to-the-workforce-how-to-choose-mpf-funds-with-three-allocation-models/</loc><lastmod>2012-06-18T17:20:30+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-guaranteed-funds-are-not-risk-free-three-guarantee-conditions-to-read-closely/</loc><lastmod>2012-06-15T17:21:24+08:00</lastmod></url><url><loc>https://mpf.hk/en/ey-study-hong-kong-should-study-raising-mpf-contributions-mandatory-and-voluntary/</loc><lastmod>2012-06-15T17:19:50+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-mpf-providers-do-for-employers-calculations-spreadsheets-and-human-help/</loc><lastmod>2012-06-15T17:17:25+08:00</lastmod></url><url><loc>https://mpf.hk/en/checking-your-mpf-balance-why-the-figure-is-never-todays-price/</loc><lastmod>2012-06-12T18:14:39+08:00</lastmod></url><url><loc>https://mpf.hk/en/gearing-up-for-mpf-semi-portability-providers-roll-out-free-fund-comparison-platforms/</loc><lastmod>2012-06-12T18:08:01+08:00</lastmod></url><url><loc>https://mpf.hk/en/self-employed-and-mpf-does-a-private-tutor-have-to-contribute/</loc><lastmod>2012-06-12T17:59:10+08:00</lastmod></url><url><loc>https://mpf.hk/en/young-workers-go-95pc-high-risk-on-mpf-consolidate-those-preserved-accounts-now/</loc><lastmod>2012-06-12T17:46:50+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-to-choose-an-mpf-provider-dont-switch-for-switchings-sake/</loc><lastmod>2012-06-12T17:18:18+08:00</lastmod></url><url><loc>https://mpf.hk/en/a-playbook-for-mpf-semi-portability-know-yourself-know-the-market-dont-switch-blindly/</loc><lastmod>2012-06-11T17:23:10+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-types-explained-the-five-categories-and-their-risks/</loc><lastmod>2012-06-11T17:20:09+08:00</lastmod></url><url><loc>https://mpf.hk/en/may-2012-mpfs-worst-may-on-record-as-workers-lose-hk9146-each/</loc><lastmod>2012-06-08T17:25:23+08:00</lastmod></url><url><loc>https://mpf.hk/en/target-date-funds-the-2012-ancestor-of-hong-kongs-lazy-mpf-investing/</loc><lastmod>2012-06-08T17:21:17+08:00</lastmod></url><url><loc>https://mpf.hk/en/consolidate-your-mpf-accounts-4-million-preserved-accounts-cant-wait-for-semi-portability/</loc><lastmod>2012-06-08T17:15:06+08:00</lastmod></url><url><loc>https://mpf.hk/en/summer-job-mpf-interns-in-an-employment-relationship-must-contribute-too/</loc><lastmod>2012-06-07T17:57:37+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-semi-portability-faces-final-legco-vote-when-will-the-1-74pc-average-fee-fall/</loc><lastmod>2012-06-07T17:55:10+08:00</lastmod></url><url><loc>https://mpf.hk/en/may-wipes-hk9119-per-mpf-account-as-greek-crisis-drags-five-month-gain-to-0-84pc/</loc><lastmod>2012-06-06T17:15:29+08:00</lastmod></url><url><loc>https://mpf.hk/en/starting-a-new-job-your-mpf-60-day-enrolment-and-contribution-checklist/</loc><lastmod>2012-06-04T17:15:51+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-contribution-cap-rises-to-hk1250-from-1-june-mpfa-reminder/</loc><lastmod>2012-05-31T17:18:54+08:00</lastmod></url><url><loc>https://mpf.hk/en/running-your-own-business-self-employed-mpf-contributions-explained/</loc><lastmod>2012-05-31T17:16:32+08:00</lastmod></url><url><loc>https://mpf.hk/en/hong-kong-mpf-fees-too-high-at-1-74pc-trailing-global-peers-ey-study-finds/</loc><lastmod>2012-05-30T17:36:11+08:00</lastmod></url><url><loc>https://mpf.hk/en/check-the-mpf-fund-expense-ratio-a-0-85pc-management-fee-that-really-costs-1-79pc/</loc><lastmod>2012-05-30T17:15:18+08:00</lastmod></url><url><loc>https://mpf.hk/en/the-mpf-offsetting-mechanism-employers-could-use-contributions-against-severance/</loc><lastmod>2012-05-30T17:13:13+08:00</lastmod></url><url><loc>https://mpf.hk/en/three-myths-about-the-mpf-contribution-cap-hk1250-doesnt-mean-only-hk25k-earners-pay/</loc><lastmod>2012-05-29T17:10:29+08:00</lastmod></url><url><loc>https://mpf.hk/en/worlds-priciest-mpf-fees-workers-pay-hk6-35-billion-a-year-in-charges/</loc><lastmod>2012-05-28T18:44:03+08:00</lastmod></url><url><loc>https://mpf.hk/en/ey-fee-study-press-conference-admin-costs-drive-the-1-74pc-with-1-18pc-possible-by-2030/</loc><lastmod>2012-05-28T18:42:01+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-fees-comparison-why-hong-kongs-1-74-charge-was-not-what-it-seemed/</loc><lastmod>2012-05-28T18:35:40+08:00</lastmod></url><url><loc>https://mpf.hk/en/the-2030-fee-forecast-how-hong-kongs-mpf-charges-were-expected-to-fall/</loc><lastmod>2012-05-28T18:32:44+08:00</lastmod></url><url><loc>https://mpf.hk/en/never-picked-an-mpf-fund-your-money-may-already-sit-in-a-default-fund/</loc><lastmod>2012-05-28T18:31:13+08:00</lastmod></url><url><loc>https://mpf.hk/en/the-1-5-orphan-accounts-every-hong-kong-worker-owned-in-2012/</loc><lastmod>2012-05-28T18:24:41+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-the-2012-semi-portability-reform-was-meant-to-cut-mpf-costs/</loc><lastmod>2012-05-28T18:15:02+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-are-mpf-voluntary-contributions-and-why-did-a-2012-report-call-for-more/</loc><lastmod>2012-05-25T17:28:40+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-hong-kong-paid-the-highest-mpf-fees-among-four-markets-in-2012/</loc><lastmod>2012-05-25T17:24:55+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-to-choose-mpf-funds-the-2012-warning-against-betting-everything-on-hong-kong-stocks/</loc><lastmod>2012-05-25T17:22:13+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-performance-in-2012-beating-overseas-rivals-over-one-and-five-years-lagging-over-three/</loc><lastmod>2012-05-25T17:20:50+08:00</lastmod></url><url><loc>https://mpf.hk/en/hong-kongs-mpf-beat-overseas-peers-in-2012-but-members-got-little-investment-advice/</loc><lastmod>2012-05-25T17:15:33+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-fees-comparison-ey-says-no-urgent-need-for-cuts/</loc><lastmod>2012-05-24T17:24:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-withdrawal-permanent-departure-12-convicted-over-false-declarations/</loc><lastmod>2012-05-23T18:33:07+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-contribution-ceiling-rises-to-hk25000-from-1-june-2012/</loc><lastmod>2012-05-23T18:31:46+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-contribution-calculator-cash-allowances-count-as-relevant-income/</loc><lastmod>2012-05-21T17:11:22+08:00</lastmod></url><url><loc>https://mpf.hk/en/a-4-62-expense-ratio-hong-kongs-priciest-target-date-mpf-fund/</loc><lastmod>2012-05-17T17:16:32+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-performance-ranking-a-hk270000-gap-between-best-and-worst-hong-kong-equity-funds/</loc><lastmod>2012-05-16T17:29:06+08:00</lastmod></url><url><loc>https://mpf.hk/en/four-tips-for-transferring-your-mpf-personal-account/</loc><lastmod>2012-05-14T17:17:43+08:00</lastmod></url><url><loc>https://mpf.hk/en/ten-years-of-mpf-letters-ten-per-cent-of-gains-a-bloggers-tidy-up/</loc><lastmod>2012-05-13T18:11:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/gearing-up-for-the-mpf-employee-choice-arrangement-three-preparatory-steps/</loc><lastmod>2012-05-12T17:23:39+08:00</lastmod></url><url><loc>https://mpf.hk/en/six-in-ten-workers-face-a-retirement-shortfall-can-mpf-voluntary-contributions-help/</loc><lastmod>2012-05-12T17:21:42+08:00</lastmod></url><url><loc>https://mpf.hk/en/aia-woos-mpf-retained-account-holders-with-a-0-2-fee-rebate-before-the-eca-launch/</loc><lastmod>2012-05-11T17:56:39+08:00</lastmod></url><url><loc>https://mpf.hk/en/aia-adds-staged-withdrawals-and-fee-rebates-to-its-pre-eca-arsenal/</loc><lastmod>2012-05-11T17:53:38+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-compensation-fund-levy-government-proposes-an-auto-pause-and-resume-mechanism/</loc><lastmod>2012-05-11T17:50:46+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-tax-deduction-hong-kong-how-to-claim-relief-on-mandatory-contributions/</loc><lastmod>2012-05-11T17:37:06+08:00</lastmod></url><url><loc>https://mpf.hk/en/hong-kong-lifts-mpf-maximum-relevant-income-to-hk25000-from-1-june-2012/</loc><lastmod>2012-05-11T17:34:23+08:00</lastmod></url><url><loc>https://mpf.hk/en/three-moves-one-target-aias-pre-eca-play-for-mpf-customers/</loc><lastmod>2012-05-11T17:31:23+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-performance-bond-funds-were-the-best-performers-since-launch/</loc><lastmod>2012-05-11T17:26:32+08:00</lastmod></url><url><loc>https://mpf.hk/en/heavy-shkp-holdings-dragged-mpf-funds-behind-the-market-in-april-2012/</loc><lastmod>2012-05-09T17:31:43+08:00</lastmod></url><url><loc>https://mpf.hk/en/best-mpf-fund-hong-kong-a-trustee-chiefs-three-tests-for-picking-winners/</loc><lastmod>2012-05-08T17:18:52+08:00</lastmod></url><url><loc>https://mpf.hk/en/hk270000-apart-a-decade-between-mpfs-best-and-worst-hong-kong-equity-funds/</loc><lastmod>2012-05-07T17:08:43+08:00</lastmod></url><url><loc>https://mpf.hk/en/filibuster-stalls-legco-agenda-clouding-november-launch-of-employee-choice/</loc><lastmod>2012-05-06T00:17:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/no-fund-choice-means-someone-chooses-for-you-the-mpf-default-fund-trap/</loc><lastmod>2012-05-05T17:15:08+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-mpf-full-portability-had-to-wait-the-2012-legco-logjam/</loc><lastmod>2012-05-05T17:13:03+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-personal-accounts-fewer-is-better-and-transfers-are-once-a-year/</loc><lastmod>2012-05-05T17:11:48+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-performance-7-43pc-gain-in-early-2012-put-hk10000-plus-in-each-pot/</loc><lastmod>2012-05-05T17:08:19+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-performance-in-early-2012-gains-but-behind-the-market/</loc><lastmod>2012-05-04T17:20:02+08:00</lastmod></url><url><loc>https://mpf.hk/en/reporting-mpf-default-contributions-anonymous-complaints-accepted/</loc><lastmod>2012-05-02T17:52:41+08:00</lastmod></url><url><loc>https://mpf.hk/en/school-warned-over-unpaid-mpf-for-part-time-cleaners/</loc><lastmod>2012-05-02T17:47:18+08:00</lastmod></url><url><loc>https://mpf.hk/en/an-mpf-comparison-checklist-for-the-employee-choice-era/</loc><lastmod>2012-05-02T17:38:05+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-is-mpf-how-hong-kongs-retirement-savings-system-works/</loc><lastmod>2012-04-28T22:35:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/nearing-retirement-how-to-rebalance-your-mpf-after-50/</loc><lastmod>2012-04-28T18:16:32+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-to-choose-an-mpf-trustee-under-the-employee-choice-arrangement/</loc><lastmod>2012-04-28T18:13:57+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-default-contributions-part-timers-are-covered-too-how-to-report-an-employer/</loc><lastmod>2012-04-27T17:12:35+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-the-employee-choice-arrangement-works-transfer-rules-explained/</loc><lastmod>2012-04-26T18:23:48+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-contribution-cap-rises-to-25000-what-changes-on-1-june-2012/</loc><lastmod>2012-04-26T18:20:47+08:00</lastmod></url><url><loc>https://mpf.hk/en/universal-retirement-protection-back-on-the-agenda-after-mpfs-12-loss/</loc><lastmod>2012-04-26T18:18:35+08:00</lastmod></url><url><loc>https://mpf.hk/en/hong-kongs-mpf-in-april-2012-a-snapshot-of-an-era/</loc><lastmod>2012-04-26T18:16:36+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-arrangement-expected-in-november-as-managers-turn-bullish-on-asian-equities/</loc><lastmod>2012-04-26T18:12:08+08:00</lastmod></url><url><loc>https://mpf.hk/en/a-practical-guide-to-the-employee-choice-arrangement-4-things-to-know-before-switching/</loc><lastmod>2012-04-20T17:08:21+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-fees-comparison-where-does-the-1-74-expense-ratio-go/</loc><lastmod>2012-04-19T18:01:31+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-arrangement-the-4-steps-to-move-your-mpf-benefits/</loc><lastmod>2012-04-19T17:59:45+08:00</lastmod></url><url><loc>https://mpf.hk/en/manulife-mpf-wins-service-brand-award-for-third-straight-year-plus-two-lipper-fund-awards/</loc><lastmod>2012-04-19T17:43:24+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-covers-70-of-hong-kongs-workforce-know-the-three-retirement-pillars/</loc><lastmod>2012-04-19T17:42:13+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-tax-deduction-in-hong-kong-how-mandatory-contributions-cut-your-salaries-tax/</loc><lastmod>2012-04-18T17:54:38+08:00</lastmod></url><url><loc>https://mpf.hk/en/three-tips-for-employees-ahead-of-the-mpf-employee-choice-arrangement/</loc><lastmod>2012-04-18T17:43:12+08:00</lastmod></url><url><loc>https://mpf.hk/en/eight-in-ten-mpf-complaints-were-employer-default-contributions-unpacking-the-february-2012-figures/</loc><lastmod>2012-04-18T17:41:08+08:00</lastmod></url><url><loc>https://mpf.hk/en/employers-need-not-worry-the-employee-choice-arrangement-barely-touches-contribution-admin/</loc><lastmod>2012-04-16T17:12:55+08:00</lastmod></url><url><loc>https://mpf.hk/en/over-70-of-hongkongers-didnt-understand-semi-portability-unpacking-the-employee-choice-arrangement-survey/</loc><lastmod>2012-04-13T18:51:35+08:00</lastmod></url><url><loc>https://mpf.hk/en/hongkongers-want-hk12000-a-month-in-retirement-but-60-are-falling-short-aia-survey/</loc><lastmod>2012-04-13T18:50:07+08:00</lastmod></url><url><loc>https://mpf.hk/en/regulator-wanted-semi-portability-transfer-time-cut-from-6-8-weeks-to-5-but-trustees-disagreed/</loc><lastmod>2012-04-12T23:34:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-long-does-it-take-to-switch-your-mpf-fund-mix/</loc><lastmod>2012-04-09T17:24:54+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-arrangement-how-hong-kongs-mpf-semi-portability-works/</loc><lastmod>2012-04-09T17:18:37+08:00</lastmod></url><url><loc>https://mpf.hk/en/proposals-to-halve-mpf-fees-to-1-and-add-annuity-payouts/</loc><lastmod>2012-04-06T18:09:45+08:00</lastmod></url><url><loc>https://mpf.hk/en/think-twice-before-switching-your-mpf-provider/</loc><lastmod>2012-04-05T17:30:12+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-mpf-transfers-work-under-the-employee-choice-arrangement/</loc><lastmod>2012-04-05T17:27:09+08:00</lastmod></url><url><loc>https://mpf.hk/en/preparing-for-semi-portability-consolidating-accounts-and-finding-information/</loc><lastmod>2012-04-04T18:31:22+08:00</lastmod></url><url><loc>https://mpf.hk/en/two-ways-to-switch-mpf-funds-and-which-suits-you/</loc><lastmod>2012-04-04T18:23:20+08:00</lastmod></url><url><loc>https://mpf.hk/en/calls-to-let-terminally-ill-members-withdraw-mpf-early/</loc><lastmod>2012-04-04T18:21:19+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-switching-under-semi-portability-beware-the-buy-high-sell-low-gap/</loc><lastmod>2012-04-04T18:17:41+08:00</lastmod></url><url><loc>https://mpf.hk/en/six-mindsets-that-trip-up-mpf-fund-choices/</loc><lastmod>2012-04-04T18:12:26+08:00</lastmod></url><url><loc>https://mpf.hk/en/best-mpf-fund-hong-kong-what-mid-career-workers-should-actually-pick/</loc><lastmod>2012-04-02T18:28:27+08:00</lastmod></url><url><loc>https://mpf.hk/en/dont-wait-for-the-mpf-employee-choice-scheme-consolidate-your-preserved-accounts-now/</loc><lastmod>2012-04-02T18:23:45+08:00</lastmod></url><url><loc>https://mpf.hk/en/is-mpf-enough-for-retirement-eight-in-ten-workers-doubt-it-a-2012-survey-found/</loc><lastmod>2012-04-02T18:14:56+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-performance-in-q1-2012-a-bumpy-ride-ending-up-over-7/</loc><lastmod>2012-04-02T18:11:42+08:00</lastmod></url><url><loc>https://mpf.hk/en/young-hongkongers-cant-retire-on-mpf-alone-the-three-pillar-warning/</loc><lastmod>2012-03-30T17:17:19+08:00</lastmod></url><url><loc>https://mpf.hk/en/terminal-illness-and-mpf-early-withdrawal-what-doctors-said-in-2012/</loc><lastmod>2012-03-29T17:09:51+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-is-the-mpf-fund-expense-ratio-a-quick-guide-to-mpf-fund-fees-comparison/</loc><lastmod>2012-03-27T17:25:01+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-fees-comparison-manulife-cuts-charges-and-launches-dim-sum-bond-fund/</loc><lastmod>2012-03-26T17:27:37+08:00</lastmod></url><url><loc>https://mpf.hk/en/manulife-joins-the-mpf-price-war-fee-cuts-ahead-of-employee-choice/</loc><lastmod>2012-03-26T17:26:14+08:00</lastmod></url><url><loc>https://mpf.hk/en/self-employed-and-starting-a-business-dont-forget-your-mpf/</loc><lastmod>2012-03-26T17:24:18+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-comparison-management-performance-and-fee-before-hong-kongs-2012-half-free-walk/</loc><lastmod>2012-03-26T17:21:48+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-fees-comparison-manulife-cuts-charges-and-launches-two-new-funds/</loc><lastmod>2012-03-23T23:05:57+08:00</lastmod></url><url><loc>https://mpf.hk/en/best-mpf-fund-hong-kong-five-criteria-for-choosing-a-provider/</loc><lastmod>2012-03-23T22:56:21+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-performance-four-ways-returns-are-calculated/</loc><lastmod>2012-03-23T22:54:44+08:00</lastmod></url><url><loc>https://mpf.hk/en/manulifes-2012-mpf-fee-cuts-an-era-analysis-of-the-pre-employee-choice-price-war/</loc><lastmod>2012-03-23T22:53:43+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-performance-promotions-and-price-cuts-before-the-2012-half-free-walk/</loc><lastmod>2012-03-23T22:44:32+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-fees-comparison-why-the-cheapest-fee-isnt-always-the-best/</loc><lastmod>2012-03-23T22:42:33+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-does-mpf-work-as-an-asset-allocation-platform/</loc><lastmod>2012-03-23T22:40:58+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-early-withdrawal-phased-payouts-and-terminal-illness-proposals-under-2012-review/</loc><lastmod>2012-03-22T18:17:24+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-fees-comparison-manulife-slashes-charges-as-the-2012-price-war-heats-up/</loc><lastmod>2012-03-22T18:15:10+08:00</lastmod></url><url><loc>https://mpf.hk/en/march-2012-manulife-slashes-mpf-fees-on-the-eve-of-semi-portability/</loc><lastmod>2012-03-22T18:10:57+08:00</lastmod></url><url><loc>https://mpf.hk/en/can-i-withdraw-mpf-early-at-60-early-retirement-rules/</loc><lastmod>2012-03-21T20:48:46+08:00</lastmod></url><url><loc>https://mpf.hk/en/before-the-employee-choice-arrangement-how-employers-and-employees-should-prepare/</loc><lastmod>2012-03-21T20:46:44+08:00</lastmod></url><url><loc>https://mpf.hk/en/the-lazy-fund-explained-mpf-conservative-funds-and-target-date-funds/</loc><lastmod>2012-03-21T20:44:15+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfa-weighs-a-single-definition-of-complaint-as-portability-era-looms/</loc><lastmod>2012-03-20T17:14:17+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-voluntary-contributions-an-investment-playbook-for-the-post-80s-generation/</loc><lastmod>2012-03-19T17:14:36+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-to-use-your-mpf-annual-benefit-statement-as-an-investment-check-up/</loc><lastmod>2012-03-16T17:11:46+08:00</lastmod></url><url><loc>https://mpf.hk/en/making-sense-of-your-mpf-report-card-the-annual-benefit-statement/</loc><lastmod>2012-03-16T17:08:13+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-comparison-before-semi-portability-management-performance-and-fees/</loc><lastmod>2012-03-14T17:47:20+08:00</lastmod></url><url><loc>https://mpf.hk/en/is-one-mpf-switch-a-year-enough-a-2012-interview-on-switching-strategy/</loc><lastmod>2012-03-14T17:44:53+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-performance-why-investment-rules-cap-returns-says-hkifa-chief/</loc><lastmod>2012-03-14T17:42:34+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-transfers-industry-targets-two-to-three-weeks/</loc><lastmod>2012-03-14T17:38:37+08:00</lastmod></url><url><loc>https://mpf.hk/en/best-mpf-fund-hong-kong-index-trackers-vs-active-funds-answered/</loc><lastmod>2012-03-14T17:36:50+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-performance-defence-industry-chief-says-2-5-return-meets-expectations/</loc><lastmod>2012-03-14T17:30:40+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-equity-fund-guide-a-third-of-assets-sit-in-equities/</loc><lastmod>2012-03-14T17:20:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-performance-in-2011-hkifa-sees-room-for-lower-fees/</loc><lastmod>2012-03-14T17:16:02+08:00</lastmod></url><url><loc>https://mpf.hk/en/consumer-council-to-scrutinise-mpf-fees-after-employee-choice-launch/</loc><lastmod>2012-03-13T17:10:27+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-withdrawal-permanent-departure-false-claims-are-a-criminal-offence/</loc><lastmod>2012-03-12T18:19:43+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-comparison-five-trustees-control-73-of-the-market/</loc><lastmod>2012-03-12T18:15:10+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-performance-three-moves-to-lower-your-investment-risk/</loc><lastmod>2012-03-10T16:49:08+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-performance-jumps-8-44pc-in-two-months-erasing-2011-losses-but-analysts-urge-caution/</loc><lastmod>2012-03-07T17:41:06+08:00</lastmod></url><url><loc>https://mpf.hk/en/choosing-mpf-funds-getting-the-fund-type-right-matters-most/</loc><lastmod>2012-03-07T17:34:56+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-strategy-be-aggressive-in-your-twenties-steady-after-fifty-diversify-at-every-age/</loc><lastmod>2012-03-06T17:33:51+08:00</lastmod></url><url><loc>https://mpf.hk/en/95pc-back-retirement-scheme-for-housewives-as-universal-pension-debate-resurfaces/</loc><lastmod>2012-03-06T17:28:37+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-semi-portability-the-6-to-8-week-transfer-saga-explained/</loc><lastmod>2012-03-06T17:25:56+08:00</lastmod></url><url><loc>https://mpf.hk/en/february-mpf-returns-hit-3-54pc-best-february-since-the-crisis-equity-funds-win-big/</loc><lastmod>2012-03-06T17:13:57+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-semi-portability-transfers-face-6-to-8-week-deadline-fines-for-delays/</loc><lastmod>2012-03-05T19:09:48+08:00</lastmod></url><url><loc>https://mpf.hk/en/tax-breaks-urged-to-boost-mpf-voluntary-contributions-as-hongkongers-shun-monthly-investing/</loc><lastmod>2012-03-03T17:24:52+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-employer-obligations-hong-kong-do-part-timers-need-to-contribute/</loc><lastmod>2012-03-03T17:22:09+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-voluntary-top-ups-cheaper-than-retail-funds-a-shortcut-to-a-safer-retirement-advisers-say/</loc><lastmod>2012-03-03T17:19:20+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-fees-comparison-the-expense-ratio-tells-the-fuller-story/</loc><lastmod>2012-03-03T17:14:08+08:00</lastmod></url><url><loc>https://mpf.hk/en/scattered-mpf-accounts-start-your-clean-up-with-the-member-benefit-statement/</loc><lastmod>2012-03-01T21:36:33+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-performance-what-three-rising-months-in-early-2012-taught-us/</loc><lastmod>2012-03-01T21:34:34+08:00</lastmod></url><url><loc>https://mpf.hk/en/the-mpf-separation-of-powers-what-trustees-investment-managers-and-custodians-do/</loc><lastmod>2012-02-28T17:19:40+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-default-contributions-first-company-director-jailed-over-unpaid-contributions/</loc><lastmod>2012-02-28T17:15:53+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-default-contributions-how-to-report-an-employer-who-skips-payments/</loc><lastmod>2012-02-27T17:27:22+08:00</lastmod></url><url><loc>https://mpf.hk/en/tighter-rules-for-mpf-intermediaries-ahead-of-the-employee-choice-arrangement/</loc><lastmod>2012-02-27T17:16:45+08:00</lastmod></url><url><loc>https://mpf.hk/en/beware-rogue-employers-short-contracts-do-not-excuse-mpf-defaults/</loc><lastmod>2012-02-27T17:13:21+08:00</lastmod></url><url><loc>https://mpf.hk/en/three-lines-of-defence-guarding-your-mpf-assets/</loc><lastmod>2012-02-24T17:20:48+08:00</lastmod></url><url><loc>https://mpf.hk/en/choosing-an-mpf-guaranteed-fund-soft-and-hard-guarantees-explained/</loc><lastmod>2012-02-22T19:13:13+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-reform-proposal-chief-executive-hopeful-floats-hkma-run-top-up-accounts/</loc><lastmod>2012-02-20T21:26:07+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-fees-comparison-and-provider-choice-dont-switch-for-switchings-sake/</loc><lastmod>2012-02-20T21:24:44+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-reform-call-veteran-fund-manager-lists-five-flaws-and-two-strengths/</loc><lastmod>2012-02-17T17:42:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-reform-blueprint-universal-accounts-mpfa-run-administration-inflation-linked-bonds/</loc><lastmod>2012-02-17T17:38:34+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-tax-deduction-hong-kong-budget-raises-deductible-contributions-to-hk15000/</loc><lastmod>2012-02-17T17:17:12+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-fees-comparison-advisory-firm-says-management-fees-still-have-room-to-fall/</loc><lastmod>2012-02-15T18:13:10+08:00</lastmod></url><url><loc>https://mpf.hk/en/dont-judge-a-fund-by-its-name-how-to-pick-the-best-mpf-fund-hong-kong-offers/</loc><lastmod>2012-02-15T18:10:42+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-default-contributions-fall-nearly-10-as-watchdog-sharpens-penalties-for-repeat-offenders/</loc><lastmod>2012-02-14T17:25:17+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-default-contributions-repeat-offenders-face-fines-of-up-to-hk50000/</loc><lastmod>2012-02-13T17:46:12+08:00</lastmod></url><url><loc>https://mpf.hk/en/consolidating-mpf-accounts-in-three-steps-bonuses-trustees-and-life-stages/</loc><lastmod>2012-02-13T17:43:48+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-performance-11-year-annualised-return-of-2-5-reignites-debate/</loc><lastmod>2012-02-13T17:41:22+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-default-contributions-habitual-offenders-face-fines-up-to-hk50000/</loc><lastmod>2012-02-13T17:32:55+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-enrolment-deadline-60-days-first-community-service-order-for-a-defaulting-employer/</loc><lastmod>2012-02-13T17:30:55+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-to-check-your-mpf-contributions-and-report-a-defaulting-employer-anonymously/</loc><lastmod>2012-02-13T17:22:17+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-voluntary-contributions-2012-proposal-for-hkma-managed-accounts-sparks-dividend-debate/</loc><lastmod>2012-02-13T17:19:49+08:00</lastmod></url><url><loc>https://mpf.hk/en/singapores-cpf-offers-a-model-as-hong-kong-debates-voluntary-mpf-top-ups/</loc><lastmod>2012-02-13T17:15:44+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-employer-obligations-hong-kong-the-three-tier-fine-schedule-for-defaulting-employers/</loc><lastmod>2012-02-11T17:28:46+08:00</lastmod></url><url><loc>https://mpf.hk/en/changing-jobs-how-to-consolidate-your-mpf-preserved-accounts/</loc><lastmod>2012-02-11T17:23:57+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-hong-kong-never-prosecuted-its-habitual-mpf-defaulters-until-2012/</loc><lastmod>2012-02-11T17:17:08+08:00</lastmod></url><url><loc>https://mpf.hk/en/best-mpf-fund-hong-kong-do-your-homework-on-hong-kong-equity-funds-before-semi-portability/</loc><lastmod>2012-02-10T17:16:55+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-is-mpf-from-company-guaranteed-pensions-to-self-reliance/</loc><lastmod>2012-02-10T17:15:37+08:00</lastmod></url><url><loc>https://mpf.hk/en/job-hopped-a-few-times-your-mpf-preserved-accounts-need-attention/</loc><lastmod>2012-02-10T17:12:12+08:00</lastmod></url><url><loc>https://mpf.hk/en/transferring-mpf-benefits-watch-the-bid-offer-spread-first/</loc><lastmod>2012-02-09T17:13:49+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-contribution-ceiling-rises-maximum-relevant-income-up-to-hk25000-from-june-2012/</loc><lastmod>2012-02-08T17:33:51+08:00</lastmod></url><url><loc>https://mpf.hk/en/the-employee-choice-arrangement-hong-kongs-mpf-semi-portability-explained/</loc><lastmod>2012-02-08T17:30:02+08:00</lastmod></url><url><loc>https://mpf.hk/en/too-many-preserved-accounts-how-to-consolidate-them/</loc><lastmod>2012-02-08T17:27:46+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-fees-comparison-hang-seng-index-funds-in-a-price-war/</loc><lastmod>2012-02-08T17:19:15+08:00</lastmod></url><url><loc>https://mpf.hk/en/changing-jobs-after-the-lunar-new-year-dont-forget-your-mpf/</loc><lastmod>2012-02-08T17:15:02+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-voluntary-contributions-three-ways-to-make-your-mpf-work-harder/</loc><lastmod>2012-02-07T22:53:49+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-performance-rebounds-4-9-per-cent-in-january-2012/</loc><lastmod>2012-02-07T22:49:35+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-performance-surges-4-9-in-january-2012-as-equities-rebound/</loc><lastmod>2012-02-07T22:45:36+08:00</lastmod></url><url><loc>https://mpf.hk/en/strongest-january-on-record-mpf-performance-ranking-puts-china-equity-funds-up-11-16-on-top/</loc><lastmod>2012-02-03T17:27:49+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-transfer-forms-too-complex-mpf-providers-tell-regulator/</loc><lastmod>2012-02-03T17:23:43+08:00</lastmod></url><url><loc>https://mpf.hk/en/before-hong-kongs-mpf-semi-portability-why-a-mock-form-rattled-the-industry-in-2012/</loc><lastmod>2012-02-03T17:22:07+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-performance-in-january-2012-equity-funds-rebound-7-39-as-defensives-lag/</loc><lastmod>2012-02-03T17:16:34+08:00</lastmod></url><url><loc>https://mpf.hk/en/30000-intermediaries-for-2-million-workers-picking-the-best-mpf-fund-hong-kong-offers/</loc><lastmod>2012-02-03T17:14:26+08:00</lastmod></url><url><loc>https://mpf.hk/en/weathering-three-market-storms-what-mpf-fund-performance-data-from-2011-says-about-long-term-investing/</loc><lastmod>2012-02-02T21:36:01+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-comparison-the-three-funds-that-made-money-in-hong-kongs-2011-bear-market/</loc><lastmod>2012-02-02T21:32:16+08:00</lastmod></url><url><loc>https://mpf.hk/en/changed-jobs-and-left-mpf-accounts-scattered-three-ways-to-tidy-them-up/</loc><lastmod>2012-02-02T21:23:06+08:00</lastmod></url><url><loc>https://mpf.hk/en/bank-of-east-asia-adds-six-constituent-funds-to-its-mpf-schemes-in-2012/</loc><lastmod>2012-02-01T21:33:46+08:00</lastmod></url><url><loc>https://mpf.hk/en/the-mpf-lucky-money-you-may-be-leaving-unclaimed/</loc><lastmod>2012-02-01T21:32:05+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-fees-comparison-why-a-price-war-was-brewing-in-2012/</loc><lastmod>2012-01-30T23:53:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-long-does-it-take-to-switch-mpf-funds/</loc><lastmod>2012-01-30T18:49:47+08:00</lastmod></url><url><loc>https://mpf.hk/en/a-caretakers-budget-why-hong-kongs-2012-fiscal-plan-should-avoid-grand-gestures/</loc><lastmod>2012-01-30T18:29:24+08:00</lastmod></url><url><loc>https://mpf.hk/en/changed-jobs-and-left-a-trail-of-mpf-accounts-three-ways-to-tidy-up/</loc><lastmod>2012-01-30T18:25:21+08:00</lastmod></url><url><loc>https://mpf.hk/en/absolute-return-mpf-funds-capital-preservation-first-no-market-timing-required/</loc><lastmod>2012-01-30T18:19:38+08:00</lastmod></url><url><loc>https://mpf.hk/en/looking-back-at-2012-why-hongkongers-loaded-up-on-mpf-equities/</loc><lastmod>2012-01-30T18:16:52+08:00</lastmod></url><url><loc>https://mpf.hk/en/eight-in-ten-workers-feared-their-retirement-savings-would-fall-short-a-2012-survey/</loc><lastmod>2012-01-27T16:20:21+08:00</lastmod></url><url><loc>https://mpf.hk/en/preparing-for-mpf-semi-portability-how-one-trustee-added-5pc-to-its-headcount/</loc><lastmod>2012-01-27T16:16:56+08:00</lastmod></url><url><loc>https://mpf.hk/en/the-mpf-safety-net-how-the-compensation-fund-protects-members/</loc><lastmod>2012-01-27T03:42:15+08:00</lastmod></url><url><loc>https://mpf.hk/en/target-date-funds-the-original-lazy-way-to-invest-your-mpf/</loc><lastmod>2012-01-20T19:19:18+08:00</lastmod></url><url><loc>https://mpf.hk/en/overseas-postings-dont-end-mpf-duties-what-employers-must-know/</loc><lastmod>2012-01-20T19:17:25+08:00</lastmod></url><url><loc>https://mpf.hk/en/too-busy-to-mind-your-mpf-let-a-lazy-fund-rebalance-it-for-you/</loc><lastmod>2012-01-20T19:15:26+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-performance-through-the-storms-why-staying-put-beats-market-timing/</loc><lastmod>2012-01-20T19:12:30+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-employee-choice-roll-out-waits-on-intermediary-law/</loc><lastmod>2012-01-19T17:27:13+08:00</lastmod></url><url><loc>https://mpf.hk/en/principal-cuts-mpf-fees-and-hires-ahead-of-portability-era/</loc><lastmod>2012-01-19T17:16:03+08:00</lastmod></url><url><loc>https://mpf.hk/en/principal-fires-the-first-shot-in-the-mpf-fee-war/</loc><lastmod>2012-01-19T17:14:18+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fees-still-have-room-to-fall-reading-a-2012-warning-today/</loc><lastmod>2012-01-18T17:19:40+08:00</lastmod></url><url><loc>https://mpf.hk/en/hong-kong-studies-opening-mainland-markets-to-mpf-and-insurance-money/</loc><lastmod>2012-01-18T17:16:20+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfa-to-consult-market-on-mpf-intermediary-code-within-two-months/</loc><lastmod>2012-01-17T17:09:36+08:00</lastmod></url><url><loc>https://mpf.hk/en/dont-bin-that-envelope-how-to-read-your-mpf-annual-benefit-statement/</loc><lastmod>2012-01-16T17:30:09+08:00</lastmod></url><url><loc>https://mpf.hk/en/three-unanswered-questions-as-hong-kong-readied-its-mpf-intermediary-rules/</loc><lastmod>2012-01-16T17:08:36+08:00</lastmod></url><url><loc>https://mpf.hk/en/dont-leave-your-mpf-to-gather-dust-review-it-every-six-to-twelve-months/</loc><lastmod>2012-01-14T19:18:54+08:00</lastmod></url><url><loc>https://mpf.hk/en/life-changes-so-should-your-mpf-mix-a-regular-review-checklist/</loc><lastmod>2012-01-13T17:27:04+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-performance-in-2011-bonds-beat-equities-as-the-average-member-lost-8-41/</loc><lastmod>2012-01-13T17:20:42+08:00</lastmod></url><url><loc>https://mpf.hk/en/special-voluntary-contributions-flexible-top-ups-you-can-withdraw-any-time/</loc><lastmod>2012-01-13T17:16:56+08:00</lastmod></url><url><loc>https://mpf.hk/en/hk350-on-paper-hk950-in-hand-how-wage-under-reporting-dodges-mpf-contributions/</loc><lastmod>2012-01-13T01:03:34+08:00</lastmod></url><url><loc>https://mpf.hk/en/the-unopened-envelope-in-the-moving-boxes-why-your-mpf-deserves-an-annual-review/</loc><lastmod>2012-01-13T00:57:36+08:00</lastmod></url><url><loc>https://mpf.hk/en/2012-revisited-when-moving-your-mpf-took-50-days/</loc><lastmod>2012-01-11T18:15:17+08:00</lastmod></url><url><loc>https://mpf.hk/en/the-form-that-stumped-the-experts-hong-kongs-2012-mpf-transfer-paperwork/</loc><lastmod>2012-01-11T18:10:53+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-early-withdrawal-for-terminal-illness-the-mpfas-2012-consultation-in-three-points/</loc><lastmod>2012-01-10T17:24:27+08:00</lastmod></url><url><loc>https://mpf.hk/en/annual-mpf-check-up-how-to-read-your-mpf-fund-performance-once-a-year/</loc><lastmod>2012-01-09T17:13:29+08:00</lastmod></url><url><loc>https://mpf.hk/en/prelude-to-the-mpf-fee-wars-the-mpfas-2012-ey-probe-in-retrospect/</loc><lastmod>2012-01-07T16:26:31+08:00</lastmod></url><url><loc>https://mpf.hk/en/could-mpf-assets-be-lent-out-for-short-selling-the-governments-2012-answer/</loc><lastmod>2012-01-07T16:14:40+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-to-read-your-mpf-annual-benefit-statement-in-three-minutes/</loc><lastmod>2012-01-06T18:54:10+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-performance-in-the-red-what-2011-taught-hong-kong-workers/</loc><lastmod>2012-01-06T18:50:57+08:00</lastmod></url><url><loc>https://mpf.hk/en/do-you-need-to-make-mpf-contributions-for-a-domestic-helper/</loc><lastmod>2012-01-06T18:39:53+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-contribution-rate-do-double-pay-and-bonuses-count-as-relevant-income/</loc><lastmod>2012-01-05T18:17:24+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-performance-2011-down-8-4-for-the-year/</loc><lastmod>2012-01-05T17:15:22+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-early-withdrawal-and-phased-payouts-unpacking-the-mpfas-2012-consultation/</loc><lastmod>2012-01-04T17:31:54+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-equity-fund-outlook-for-2012-three-moves-as-valuations-turn-attractive/</loc><lastmod>2012-01-04T17:28:50+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-performance-in-2011-down-9-2-members-lose-hk13000-each/</loc><lastmod>2012-01-04T17:24:40+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-management-fees-why-rationalising-them-helps-members-most/</loc><lastmod>2012-01-04T17:18:55+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-to-choose-the-best-mpf-fund-in-hong-kong-flexible-allocation-tips/</loc><lastmod>2012-01-04T17:15:30+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-comparison-done-right-only-compare-like-for-like-funds/</loc><lastmod>2011-12-31T17:23:31+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-is-fund-rebalancing-restructuring-your-mpf-portfolio-in-one-go/</loc><lastmod>2011-12-30T17:20:43+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-is-fund-switching-four-steps-to-adjusting-your-mpf-mix/</loc><lastmod>2011-12-30T17:16:36+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-early-withdrawal-and-phased-payouts-mpfas-3-month-consultation/</loc><lastmod>2011-12-29T17:19:22+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-trustees-slash-fees-ahead-of-the-employee-choice-arrangement/</loc><lastmod>2011-12-29T17:17:48+08:00</lastmod></url><url><loc>https://mpf.hk/en/5-mpf-fund-types-explained-from-conservative-to-mpf-equity-fund/</loc><lastmod>2011-12-26T18:38:26+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-default-contributions-what-to-do-if-your-employer-misses-payments/</loc><lastmod>2011-12-26T18:36:50+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-terminal-illness-early-withdrawal-looking-back-at-the-2011-consultation/</loc><lastmod>2011-12-26T18:34:44+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-to-choose-the-best-mpf-fund-in-hong-kong-start-with-an-annual-review/</loc><lastmod>2011-12-26T18:10:38+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-is-the-mpf-offsetting-mechanism-when-employer-contributions-become-severance/</loc><lastmod>2011-12-23T18:13:13+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-arrangement-a-look-back-at-mpfs-semi-portability-milestones/</loc><lastmod>2011-12-22T18:33:13+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-comparison-how-to-choose-a-trustee-ahead-of-semi-portability/</loc><lastmod>2011-12-22T18:30:57+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-to-choose-an-mpf-trustee-principal-service-matters-as-much-as-fees/</loc><lastmod>2011-12-22T18:28:05+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-fees-comparison-three-tips-for-managing-your-mpf/</loc><lastmod>2011-12-22T18:24:22+08:00</lastmod></url><url><loc>https://mpf.hk/en/hkt-trust-units-approved-as-mpf-permissible-investment/</loc><lastmod>2011-12-22T17:11:30+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-bond-funds-revisiting-the-storm-over-japans-lost-aaa-rating/</loc><lastmod>2011-12-22T17:09:39+08:00</lastmod></url><url><loc>https://mpf.hk/en/self-employed-mpf-how-business-partners-calculate-contributions/</loc><lastmod>2011-12-21T21:48:31+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-performance-the-11-year-record-to-november-2011/</loc><lastmod>2011-12-21T21:43:21+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-early-withdrawal-and-phased-payouts-the-2011-mpfa-consultation/</loc><lastmod>2011-12-21T21:40:03+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fee-war-the-run-up-to-the-employee-choice-arrangement-2011/</loc><lastmod>2011-12-21T21:36:59+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-performance-ranking-the-11-year-scorecard-of-2011/</loc><lastmod>2011-12-21T21:34:16+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-fees-comparison-headline-rates-vs-the-expense-ratio-2011/</loc><lastmod>2011-12-21T21:32:49+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-arrangement-the-industrys-readiness-in-2011/</loc><lastmod>2011-12-21T21:26:11+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-early-withdrawal-on-terminal-illness-the-industrys-2011-response/</loc><lastmod>2011-12-21T21:24:10+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-equity-fund-crash-2011-cost-members-about-hk10000-each/</loc><lastmod>2011-12-21T21:21:13+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fee-cuts-the-industrys-2011-outlook/</loc><lastmod>2011-12-21T21:19:38+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-management-fees-still-have-room-to-fall-read-the-fund-expense-ratio-first/</loc><lastmod>2011-12-21T21:18:09+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fees-could-fall-further-next-year-price-war-looms-before-semi-portability/</loc><lastmod>2011-12-21T21:15:09+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-performance-fell-nearly-8-in-2011-11-year-average-return-about-2-a-year/</loc><lastmod>2011-12-21T21:13:48+08:00</lastmod></url><url><loc>https://mpf.hk/en/bogus-self-employment-why-a-2011-warning-about-mpf-and-injury-cover-still-matters/</loc><lastmod>2011-12-20T18:06:12+08:00</lastmod></url><url><loc>https://mpf.hk/en/60-hours-community-service-for-mpf-arrears-revisiting-the-landmark-2011-case/</loc><lastmod>2011-12-20T17:58:25+08:00</lastmod></url><url><loc>https://mpf.hk/en/withdrawing-mpf-on-terminal-illness-inside-the-2011-consultation/</loc><lastmod>2011-12-20T17:50:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-withdrawal-age-lump-sum-or-instalments-after-65/</loc><lastmod>2011-12-20T17:37:44+08:00</lastmod></url><url><loc>https://mpf.hk/en/reforming-mpf-what-the-2011-early-withdrawal-consultation-got-right-and-wrong/</loc><lastmod>2011-12-19T17:33:21+08:00</lastmod></url><url><loc>https://mpf.hk/en/early-mpf-withdrawal-which-reasons-were-rejected-in-the-2011-consultation/</loc><lastmod>2011-12-19T17:28:34+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-withdrawal-age-why-couldnt-you-touch-your-mpf-before-65/</loc><lastmod>2011-12-19T17:25:29+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-withdrawal-age-a-2011-editorial-said-delaying-needs-rules-and-education/</loc><lastmod>2011-12-19T17:23:08+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-early-withdrawal-the-2011-plan-to-limit-it-to-the-terminally-ill/</loc><lastmod>2011-12-19T17:20:11+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-early-withdrawal-and-flexible-payouts-how-the-2011-plan-worked/</loc><lastmod>2011-12-19T17:17:18+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-early-withdrawal-consultation-why-2011-drew-the-line-at-terminal-illness/</loc><lastmod>2011-12-16T17:30:15+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-early-withdrawal-the-three-gatekeeping-rules-proposed-in-2011/</loc><lastmod>2011-12-16T17:27:30+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-reform-what-convoy-demanded-in-december-2011/</loc><lastmod>2011-12-15T22:21:27+08:00</lastmod></url><url><loc>https://mpf.hk/en/best-mpf-fund-hong-kong-62-wanted-to-switch-trustees-in-a-2011-survey/</loc><lastmod>2011-12-15T22:10:11+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-voluntary-contributions-convoys-2011-call-for-a-tax-deduction/</loc><lastmod>2011-12-15T22:07:35+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-employer-obligations-hong-kong-can-staff-pick-their-own-scheme/</loc><lastmod>2011-12-15T22:05:09+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-arrangement-the-2011-bill-to-regulate-mpf-intermediaries/</loc><lastmod>2011-12-15T22:03:08+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-nears-bct-group-warns-of-rising-admin-burden/</loc><lastmod>2011-12-14T21:05:11+08:00</lastmod></url><url><loc>https://mpf.hk/en/never-reviewing-your-mpf-hurts-returns-bct-urges-annual-check/</loc><lastmod>2011-12-14T21:02:52+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-switching-isnt-always-a-win-bct-expects-only-10-to-move-early/</loc><lastmod>2011-12-14T20:54:28+08:00</lastmod></url><url><loc>https://mpf.hk/en/unregistered-selling-of-mpf-banned-mpfa-to-become-intermediary-registrar/</loc><lastmod>2011-12-12T18:26:39+08:00</lastmod></url><url><loc>https://mpf.hk/en/first-community-service-order-for-mpf-default-contributions/</loc><lastmod>2011-12-12T18:25:05+08:00</lastmod></url><url><loc>https://mpf.hk/en/k-c-chan-pushing-for-mpf-access-to-mainland-bond-market/</loc><lastmod>2011-12-12T18:20:09+08:00</lastmod></url><url><loc>https://mpf.hk/en/one-year-to-employee-choice-industry-fears-chaos-in-hk200-billion-shift/</loc><lastmod>2011-12-12T18:16:22+08:00</lastmod></url><url><loc>https://mpf.hk/en/moving-a-preserved-mpf-account-four-tips-to-dodge-fee-traps/</loc><lastmod>2011-12-10T15:51:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-intermediaries-undertrained-scholar-warns-of-market-chasing-risk/</loc><lastmod>2011-12-10T15:45:22+08:00</lastmod></url><url><loc>https://mpf.hk/en/do-cash-gift-vouchers-for-staff-require-mpf-contributions/</loc><lastmod>2011-12-09T17:18:52+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-arrangement-companion-reform-over-2-5-million-mpf-members-to-get-stronger-protection-intermediaries-to-be-registered/</loc><lastmod>2011-12-09T17:15:38+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-default-contributions-crackdown-ignoring-a-court-order-to-pay-arrears-becomes-an-offence-with-daily-fines-for-persistent-defaulters/</loc><lastmod>2011-12-08T17:33:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-arrangement-transfer-form-sparks-worry-3-pages-10-questions-and-fears-of-6-to-8-week-delays/</loc><lastmod>2011-12-08T17:28:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-amendment-bill-gazetted-transferable-assets-under-the-employee-choice-arrangement-to-jump-from-39-to-67/</loc><lastmod>2011-12-07T17:21:58+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-arrangement-slated-for-2012-intermediary-registration-first-with-lower-mpf-fees-in-sight/</loc><lastmod>2011-12-07T17:17:17+08:00</lastmod></url><url><loc>https://mpf.hk/en/universal-retirement-protection-proposal-hk3000-seed-fund-per-person-then-monthly-contributions/</loc><lastmod>2011-12-06T17:29:19+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-performance-down-8-67-in-the-first-11-months-of-2011-china-equity-funds-worst-at-%e2%88%9222-72/</loc><lastmod>2011-12-06T17:23:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fee-war-how-smaller-trustees-fight-back-with-three-moves-to-win-clients/</loc><lastmod>2011-12-05T17:23:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-performance-november-loss-of-hk5305-per-member-down-8-67-over-11-months/</loc><lastmod>2011-12-03T16:15:07+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-default-contributions-how-the-mpfa-chases-arrears-investigation-civil-claims-criminal-prosecution/</loc><lastmod>2011-12-02T17:25:26+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-fees-comparison-breaking-down-the-1-78-expense-ratio-item-by-item/</loc><lastmod>2011-12-02T17:19:50+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-contribution-rate-unchanged-at-5-ceiling-raised-to-hk25000-a-2011-fidelity-view/</loc><lastmod>2011-12-01T17:14:39+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-performance-22-vs-48-two-finance-pros-share-their-playbooks/</loc><lastmod>2011-11-30T17:28:55+08:00</lastmod></url><url><loc>https://mpf.hk/en/should-mpf-funds-lend-securities-for-short-selling-the-unsettled-2011-debate/</loc><lastmod>2011-11-30T17:25:49+08:00</lastmod></url><url><loc>https://mpf.hk/en/too-late-to-switch-why-one-manager-stayed-in-mpf-equity-funds-through-the-2011-turmoil/</loc><lastmod>2011-11-30T17:23:40+08:00</lastmod></url><url><loc>https://mpf.hk/en/banning-mpf-securities-lending-wouldnt-stop-short-selling-industry-warned-in-2011/</loc><lastmod>2011-11-30T17:17:21+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-arrangement-at-risk-of-winter-2012-delay-three-hurdles-for-mpf-semi-portability/</loc><lastmod>2011-11-30T17:15:39+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-ceiling-rise-to-bring-hk2-6-billion-a-year-trustees-gird-for-june-2012/</loc><lastmod>2011-11-29T17:14:50+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-is-mpf-and-who-guards-it-the-mpfas-three-jobs-explained-in-2011/</loc><lastmod>2011-11-28T19:04:24+08:00</lastmod></url><url><loc>https://mpf.hk/en/dollar-cost-averaging-in-mpf-equity-funds-how-regular-contributions-beat-a-lump-sum/</loc><lastmod>2011-11-28T17:22:03+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-comparison-choosing-a-trustee-as-the-pre-semi-portability-fee-war-heats-up/</loc><lastmod>2011-11-25T17:14:47+08:00</lastmod></url><url><loc>https://mpf.hk/en/self-employed-persons-and-mpf-mpfa-writes-to-5000-new-registrants-on-their-obligations/</loc><lastmod>2011-11-25T17:11:12+08:00</lastmod></url><url><loc>https://mpf.hk/en/can-mpf-funds-invest-in-rmb-products-the-30-hkd-rule-explained/</loc><lastmod>2011-11-24T17:38:40+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-contribution-hike-maximum-relevant-income-raised-to-hk25000-from-1-june-2012/</loc><lastmod>2011-11-24T17:21:57+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-maximum-relevant-income-raised-to-hk25000-passed-41-3-in-legco/</loc><lastmod>2011-11-24T17:18:53+08:00</lastmod></url><url><loc>https://mpf.hk/en/11-short-term-contracts-in-3-years-to-dodge-mpf-employer-fined-hk30000/</loc><lastmod>2011-11-22T17:37:16+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-hong-kongs-fund-industry-called-for-mpf-investment-rule-reform-in-2011/</loc><lastmod>2011-11-22T17:21:53+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-compensation-fund-the-2011-proposal-to-cap-it-and-suspend-the-levy/</loc><lastmod>2011-11-22T17:16:31+08:00</lastmod></url><url><loc>https://mpf.hk/en/rmb-bonds-and-deposits-in-mpf-what-the-2011-rules-allowed/</loc><lastmod>2011-11-21T17:21:09+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfa-detectives-crack-mpf-contribution-evasion-fake-self-employment-and-short-contracts/</loc><lastmod>2011-11-18T18:12:48+08:00</lastmod></url><url><loc>https://mpf.hk/en/2011s-real-mpf-winner-bond-funds-the-safe-haven-lesson-of-a-4-year/</loc><lastmod>2011-11-03T18:05:12+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-gains-6-6-in-october-but-analysts-warn-the-full-year-may-end-in-the-red/</loc><lastmod>2011-11-03T18:07:07+08:00</lastmod></url><url><loc>https://mpf.hk/en/crash-month-delivers-6-experts-nine-to-one-playbook-for-preserved-accounts-and-why-the-young-can-bet-on-china/</loc><lastmod>2011-11-03T18:14:39+08:00</lastmod></url><url><loc>https://mpf.hk/en/the-strongest-october-on-record-mpf-jumps-6-64-hk9266-per-worker-on-paper-but-still-down-for-the-year/</loc><lastmod>2011-11-03T18:16:15+08:00</lastmod></url><url><loc>https://mpf.hk/en/the-ultimate-mpf-playbook-61-over-ten-years-beats-bank-deposits-which-funds-led/</loc><lastmod>2011-11-03T18:26:17+08:00</lastmod></url><url><loc>https://mpf.hk/en/no-rush-to-withdraw-mpf-at-retirement-let-assets-keep-compounding-until-the-rebound/</loc><lastmod>2011-11-03T18:35:04+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-up-6-6-in-october-years-best-lipper-report-dissected-hong-kong-equity-funds-trail-the-hang-seng/</loc><lastmod>2011-11-03T18:40:27+08:00</lastmod></url><url><loc>https://mpf.hk/en/wage-protection-fund-miscalculated-severance-21-drivers-short-changed-hk550000-over-mpf-offset-order/</loc><lastmod>2011-11-04T17:17:07+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-review-october-rebound-turns-china-equity-from-loser-to-winner-up-nearly-16/</loc><lastmod>2011-11-04T17:19:59+08:00</lastmod></url><url><loc>https://mpf.hk/en/legcos-mpf-overhaul-motion-k-c-chan-rules-out-universal-pension-pledges-deeper-reform-of-the-three-pillars/</loc><lastmod>2011-11-04T17:27:09+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-types-active-vs-passive-management-explained/</loc><lastmod>2011-11-05T16:13:09+08:00</lastmod></url><url><loc>https://mpf.hk/en/six-year-fight-over-mpfs-0-03-levy-ends-collection-to-pause-mid-2012-hk45-saved-per-worker/</loc><lastmod>2011-11-05T16:18:04+08:00</lastmod></url><url><loc>https://mpf.hk/en/bea-dangles-one-off-bonuses-to-lure-mpf-transfers-ahead-of-the-eca/</loc><lastmod>2011-11-05T16:18:49+08:00</lastmod></url><url><loc>https://mpf.hk/en/bea-offers-one-off-bonuses-for-transferred-mpf-assets-triple-rewards-from-hk10000/</loc><lastmod>2011-11-05T16:29:20+08:00</lastmod></url><url><loc>https://mpf.hk/en/hong-kong-mpf-fund-performance-october-gains-6-64-after-two-months-of-losses/</loc><lastmod>2011-11-05T16:31:32+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfa-to-study-mpf-fees-streamlining-administration-expense-ratios-down-over-10-in-3-years/</loc><lastmod>2011-11-07T17:58:39+08:00</lastmod></url><url><loc>https://mpf.hk/en/little-room-left-to-cut-mpf-fees-sun-life-sees-under-0-5-over-ten-years/</loc><lastmod>2011-11-09T17:19:08+08:00</lastmod></url><url><loc>https://mpf.hk/en/retired-early-at-63-and-working-again-must-you-rejoin-mpf/</loc><lastmod>2011-11-09T17:20:39+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-does-mpf-charge-admin-fees-the-mpfa-hires-independent-consultants-to-study-costs/</loc><lastmod>2011-11-10T17:45:03+08:00</lastmod></url><url><loc>https://mpf.hk/en/bct-said-to-target-equity-funds-in-fee-cut-to-lock-in-clients-as-sun-life-holds-firm/</loc><lastmod>2011-11-11T17:35:21+08:00</lastmod></url><url><loc>https://mpf.hk/en/will-the-eca-trigger-an-mpf-switching-stampede-fidelity-urges-calm-long-term-discipline/</loc><lastmod>2011-11-11T17:36:40+08:00</lastmod></url><url><loc>https://mpf.hk/en/fidelity-cuts-mpf-fees-to-defend-market-share-scale-pays-for-the-cut/</loc><lastmod>2011-11-11T17:38:43+08:00</lastmod></url><url><loc>https://mpf.hk/en/instant-fee-cuts-vs-bonus-rebates-which-mpf-deal-suits-small-accounts/</loc><lastmod>2011-11-11T17:41:09+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-price-war-ahead-of-the-eca-bct-and-fidelity-cut-more-room-to-fall/</loc><lastmod>2011-11-11T17:43:32+08:00</lastmod></url><url><loc>https://mpf.hk/en/hong-kong-mpf-likely-to-end-2011-in-the-red-down-5-29-in-ten-months/</loc><lastmod>2011-11-11T17:45:16+08:00</lastmod></url><url><loc>https://mpf.hk/en/fidelity-moves-first-on-mpf-fees-no-7-player-cuts-7-6-20-6-across-the-board/</loc><lastmod>2011-11-11T17:46:51+08:00</lastmod></url><url><loc>https://mpf.hk/en/comparing-mpf-fund-expenses-by-category-conservative-cheapest-equities-dearest/</loc><lastmod>2011-11-11T17:48:27+08:00</lastmod></url><url><loc>https://mpf.hk/en/bcts-third-mpf-fee-cut-membership-tops-550000-14-funds-down-up-to-17/</loc><lastmod>2011-11-11T17:49:58+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-price-war-heats-up-fees-dont-track-returns-eca-earliest-in-q3-next-year/</loc><lastmod>2011-11-11T17:51:54+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fee-war-erupts-fidelity-and-bct-cut-on-the-same-day-up-to-20-off/</loc><lastmod>2011-11-11T17:57:31+08:00</lastmod></url><url><loc>https://mpf.hk/en/three-way-mpf-price-war-principal-cuts-6-funds-over-10-700000-members-to-gain/</loc><lastmod>2011-11-12T16:19:26+08:00</lastmod></url><url><loc>https://mpf.hk/en/fidelity-conservative-mpf-funds-cost-less-to-run-so-fees-can-fall-furthest/</loc><lastmod>2011-11-12T16:20:28+08:00</lastmod></url><url><loc>https://mpf.hk/en/bct-on-mpf-more-fee-cuts-possible-equity-funds-likely-to-end-2011-in-the-red/</loc><lastmod>2011-11-12T16:26:37+08:00</lastmod></url><url><loc>https://mpf.hk/en/fidelity-cuts-mpf-fees-not-about-poaching-switching-jumps-30-40-in-volatile-markets/</loc><lastmod>2011-11-12T16:29:34+08:00</lastmod></url><url><loc>https://mpf.hk/en/fidelity-cuts-all-mpf-fees-7-6-20-6-conservative-funds-lead-market-share-no-7/</loc><lastmod>2011-11-12T16:33:03+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfs-three-no-lends-the-rules-around-securities-lending-and-short-selling-fears/</loc><lastmod>2011-11-12T16:35:59+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-is-mpf-taxed-contributions-returns-and-withdrawals-explained/</loc><lastmod>2011-11-12T16:39:34+08:00</lastmod></url><url><loc>https://mpf.hk/en/hong-kongs-mpf-fee-war-bct-and-fidelity-slash-charges-over-a-hk384-5b-market/</loc><lastmod>2011-11-12T16:44:07+08:00</lastmod></url><url><loc>https://mpf.hk/en/frequent-mpf-switching-does-more-harm-than-good-learn-to-choose-before-the-eca/</loc><lastmod>2011-11-12T16:47:39+08:00</lastmod></url><url><loc>https://mpf.hk/en/fidelitys-mpf-fee-cut-performance-over-price-30-may-switch-under-eca/</loc><lastmod>2011-11-12T16:50:22+08:00</lastmod></url><url><loc>https://mpf.hk/en/bestserve-launches-free-mpf-comparison-platform-ahead-of-eca/</loc><lastmod>2011-11-12T16:55:58+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-fees-comparison-bct-and-fidelity-cut-charges-ahead-of-the-eca/</loc><lastmod>2011-11-12T17:01:51+08:00</lastmod></url><url><loc>https://mpf.hk/en/bct-slashes-mpf-fees-up-to-17-off-14-funds-370000-members-to-benefit/</loc><lastmod>2011-11-14T17:23:19+08:00</lastmod></url><url><loc>https://mpf.hk/en/principal-joins-hong-kongs-mpf-price-war-conservative-fund-fee-cut-5-up-to-20-off-series-600-800/</loc><lastmod>2011-11-16T17:21:15+08:00</lastmod></url><url><loc>https://mpf.hk/en/can-mpf-invest-in-renminbi-products-yes-with-three-guardrails/</loc><lastmod>2011-11-16T17:23:09+08:00</lastmod></url><url><loc>https://mpf.hk/en/back-to-work-after-early-retirement-you-must-rejoin-mpf-says-the-mpfa/</loc><lastmod>2011-11-17T17:14:52+08:00</lastmod></url><url><loc>https://mpf.hk/en/aias-%e8%ac%9d%e4%bd%a9%e8%98%ad-on-mpf-three-deregulation-pitches-ahead-of-the-employee-choice-arrangement/</loc><lastmod>2011-11-18T17:54:44+08:00</lastmod></url><url><loc>https://mpf.hk/en/henry-tang-floats-mpf-reform-voluntary-contributions-run-by-the-hkma-zero-fees/</loc><lastmod>2011-11-18T17:57:04+08:00</lastmod></url><url><loc>https://mpf.hk/en/hong-kong-mpf-on-course-for-a-losing-2011-after-3-5-slide/</loc><lastmod>2011-11-18T18:03:32+08:00</lastmod></url><url><loc>https://mpf.hk/en/euro-gloom-drags-mpf-fund-performance-down-1-1-in-a-week/</loc><lastmod>2011-11-18T18:07:54+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-reform-debate-the-12-point-review-motion-tabled-in-legco-in-november-2011/</loc><lastmod>2011-11-02T17:12:36+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-performance-october-2011-bounced-an-estimated-8-6-but-the-year-stayed-in-the-red/</loc><lastmod>2011-11-01T17:18:35+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-minimum-income-threshold-raised-to-6500-the-rules-effective-1-november-2011/</loc><lastmod>2011-11-01T00:03:27+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-are-mpf-voluntary-contributions-why-higher-earners-contributed-more-in-2011/</loc><lastmod>2011-11-01T00:00:06+08:00</lastmod></url><url><loc>https://mpf.hk/en/full-mpf-portability-the-dabs-12-proposals-for-a-full-review-in-2011/</loc><lastmod>2011-10-31T23:57:02+08:00</lastmod></url><url><loc>https://mpf.hk/en/is-mpf-enough-for-retirement-a-2011-column-hong-kongs-contribution-rate-was-a-quarter-of-singapores/</loc><lastmod>2011-10-31T23:44:48+08:00</lastmod></url><url><loc>https://mpf.hk/en/universal-retirement-protection-unionists-2011-call-for-mpf-to-run-alongside-it/</loc><lastmod>2011-10-31T23:36:10+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-arrangement-hsbcs-2011-estimate-that-only-30-of-staff-would-switch/</loc><lastmod>2011-10-31T23:31:23+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-is-the-mpf-contribution-period-calculated-a-new-joiners-first-two-months-explained/</loc><lastmod>2011-10-31T23:28:46+08:00</lastmod></url><url><loc>https://mpf.hk/en/does-an-mpf-performance-report-equal-your-actual-return/</loc><lastmod>2011-10-31T23:23:09+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-severance-pay-and-the-maxims-factory-relocation-dispute/</loc><lastmod>2011-10-28T17:40:07+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-consolidation-save-first-invest-later-when-the-economy-slides/</loc><lastmod>2011-10-28T17:32:42+08:00</lastmod></url><url><loc>https://mpf.hk/en/the-universal-retirement-protection-debate-how-cheung-kin-chung-answered-in-2011/</loc><lastmod>2011-10-28T17:30:51+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-arrangement-mpf-semi-portability-expected-in-second-half-2012/</loc><lastmod>2011-10-28T17:28:21+08:00</lastmod></url><url><loc>https://mpf.hk/en/the-fee-cut-roadmap-from-levy-mechanism-to-employee-choice-in-three-steps/</loc><lastmod>2011-10-28T17:27:15+08:00</lastmod></url><url><loc>https://mpf.hk/en/chan-ka-keung-weak-us-and-european-economies-mean-more-market-volatility-ahead/</loc><lastmod>2011-10-28T17:22:45+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-performance-q3-2011-rankings-which-funds-fell-hardest/</loc><lastmod>2011-10-28T17:19:18+08:00</lastmod></url><url><loc>https://mpf.hk/en/full-mpf-portability-why-wong-kwok-ying-said-liberate-mpf-is-the-real-relief/</loc><lastmod>2011-10-28T17:16:15+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-fees-comparison-suspending-the-0-03-levy-after-a-six-year-row/</loc><lastmod>2011-10-28T17:12:12+08:00</lastmod></url><url><loc>https://mpf.hk/en/the-hk6000-handout-elderly-get-paid-first-when-does-everyone-else-get-theirs/</loc><lastmod>2011-10-26T21:21:04+08:00</lastmod></url><url><loc>https://mpf.hk/en/hsbcs-mpf-funds-could-lend-stock-for-short-selling-never-used-in-10-years-sparking-scrutiny/</loc><lastmod>2011-10-26T21:06:35+08:00</lastmod></url><url><loc>https://mpf.hk/en/earning-under-hk6500-no-mpf-employee-contributions-from-november-2011-180000-benefit/</loc><lastmod>2011-10-25T17:18:38+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-contributions-start-at-hk6500-a-month-the-55-rule-and-how-to-check-your-boss-got-it-right/</loc><lastmod>2011-10-25T17:17:30+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-employer-obligations-hong-kong-five-things-to-do-before-the-1-november-2011-threshold-change/</loc><lastmod>2011-10-25T17:16:17+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-performance-up-2-9-in-a-week-but-euro-summit-deadlock-threatens-more-falls/</loc><lastmod>2011-10-24T18:52:56+08:00</lastmod></url><url><loc>https://mpf.hk/en/occupy-central-targets-mpf-fees-1-8-average-expense-ratio-angers-workers/</loc><lastmod>2011-10-24T18:49:23+08:00</lastmod></url><url><loc>https://mpf.hk/en/the-2011-abolish-mpf-march-nearly-100-protesters-from-hsbc-hq-to-the-mpfa/</loc><lastmod>2011-10-24T18:41:17+08:00</lastmod></url><url><loc>https://mpf.hk/en/low-risk-mpf-funds-explained-conservative-funds-vs-guaranteed-funds/</loc><lastmod>2011-10-24T18:26:33+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-default-contributions-carry-a-price-17-employees-recover-nearly-hk140000/</loc><lastmod>2011-10-24T18:17:04+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfs-brutal-q3-2011-down-12-25-hk47-1-billion-wiped-out-hk18539-per-worker/</loc><lastmod>2011-10-24T18:15:43+08:00</lastmod></url><url><loc>https://mpf.hk/en/voluntary-mpf-contributions-fidelitys-cheng-kim-wai-on-the-mandatory-voluntary-two-track-strategy/</loc><lastmod>2011-10-21T17:29:49+08:00</lastmod></url><url><loc>https://mpf.hk/en/65-is-not-an-mpf-withdrawal-deadline-you-may-leave-your-money-invested-at-retirement/</loc><lastmod>2011-10-21T17:23:01+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-performance-as-of-september-2011-equities-bled-while-bonds-stayed-green/</loc><lastmod>2011-10-21T17:13:20+08:00</lastmod></url><url><loc>https://mpf.hk/en/universal-retirement-protection-cheung-says-radical-change-unrealistic-10000-household-survey-due-end-2012/</loc><lastmod>2011-10-20T17:15:31+08:00</lastmod></url><url><loc>https://mpf.hk/en/teaching-young-children-about-money-the-mpfas-storybook-approach-to-saving-for-tomorrow/</loc><lastmod>2011-10-20T17:13:25+08:00</lastmod></url><url><loc>https://mpf.hk/en/universal-retirement-protection-row-cheung-denies-stalling-says-research-takes-time/</loc><lastmod>2011-10-20T00:28:10+08:00</lastmod></url><url><loc>https://mpf.hk/en/retirement-savings-targets-hk2-54m-for-men-hk3-16m-for-women-on-hk20000-a-month/</loc><lastmod>2011-10-19T17:26:59+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-securities-lending-row-mpfa-to-review-guidelines-as-short-selling-fears-surface/</loc><lastmod>2011-10-19T17:10:45+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-reform-cheung-does-not-rule-out-optimising-the-system-as-hk2-transport-scheme-leads-elderly-care/</loc><lastmod>2011-10-17T17:49:52+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-arrangement-four-mpf-survival-tips-before-it-launches/</loc><lastmod>2011-10-17T17:47:05+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-stocks-lent-for-short-selling-sfc-and-mpfa-reviewed-the-rules-in-2011/</loc><lastmod>2011-10-17T17:36:42+08:00</lastmod></url><url><loc>https://mpf.hk/en/universal-retirement-protection-why-lau-siu-kai-said-more-discussion-needed-after-the-2011-policy-address/</loc><lastmod>2011-10-17T15:52:19+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-investment-risk-know-systematic-vs-specific-risk-before-you-react/</loc><lastmod>2011-10-15T05:38:55+08:00</lastmod></url><url><loc>https://mpf.hk/en/can-you-retire-on-mpf-alone-three-2011-figures-exposed-the-gap/</loc><lastmod>2011-10-15T05:37:03+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-arrangement-semi-portability-three-moves-before-you-pick-an-mpf-scheme/</loc><lastmod>2011-10-14T17:45:54+08:00</lastmod></url><url><loc>https://mpf.hk/en/annual-benefit-statements-how-to-read-your-mpf-report-card/</loc><lastmod>2011-10-14T17:40:10+08:00</lastmod></url><url><loc>https://mpf.hk/en/scrapping-mpf-offsetting-the-two-reforms-labour-pushed-for-in-2011/</loc><lastmod>2011-10-14T17:22:28+08:00</lastmod></url><url><loc>https://mpf.hk/en/full-mpf-portability-mpfa-studied-long-term-support-as-employers-loomed-as-the-biggest-obstacle/</loc><lastmod>2011-10-14T17:18:26+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-early-withdrawal-the-2011-policy-address-proposed-terminal-illness-as-a-new-ground/</loc><lastmod>2011-10-14T17:15:17+08:00</lastmod></url><url><loc>https://mpf.hk/en/childrens-support-in-retirement-protection-the-underrated-family-pillar/</loc><lastmod>2011-10-14T16:35:09+08:00</lastmod></url><url><loc>https://mpf.hk/en/lump-sum-or-phased-withdrawal-at-65-the-hk1-5-million-mpf-decision-worth-hk586000-in-real-terms/</loc><lastmod>2026-09-23T05:11:16+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-semi-portability-convoy-was-already-pushing-it-back-in-2011/</loc><lastmod>2011-10-14T16:28:16+08:00</lastmod></url><url><loc>https://mpf.hk/en/sweets-for-the-grassroots-no-universal-pension-the-2011-policy-address/</loc><lastmod>2011-10-14T16:25:55+08:00</lastmod></url><url><loc>https://mpf.hk/en/the-permanent-departure-declaration-a-2011-case-made-false-mpf-claims-costly/</loc><lastmod>2011-10-14T00:00:06+08:00</lastmod></url><url><loc>https://mpf.hk/en/the-mpf-offsetting-mechanism-a-2011-lawmaker-called-it-the-schemes-unfair-flaw/</loc><lastmod>2011-10-13T23:55:02+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-performance-the-2011-policy-address-put-post-fee-returns-at-5-1-a-year/</loc><lastmod>2011-10-13T17:28:35+08:00</lastmod></url><url><loc>https://mpf.hk/en/full-mpf-portability-the-2011-policy-address-promised-a-study-of-the-mechanics/</loc><lastmod>2011-10-13T17:25:21+08:00</lastmod></url><url><loc>https://mpf.hk/en/phased-mpf-withdrawals-on-the-research-agenda-since-the-2011-policy-address/</loc><lastmod>2011-10-13T17:23:58+08:00</lastmod></url><url><loc>https://mpf.hk/en/optimise-dont-replace-the-2011-policy-address-bet-on-mpf-reform/</loc><lastmod>2011-10-13T17:20:59+08:00</lastmod></url><url><loc>https://mpf.hk/en/were-mpf-funds-feeding-the-short-sellers-the-mpfas-2011-answer-no/</loc><lastmod>2011-10-13T17:18:33+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-fees-comparison-2011-convoy-said-competition-was-the-cure/</loc><lastmod>2011-10-13T17:16:24+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-comparison-how-hong-kongs-retirement-system-stacked-up-against-the-region-in-2011/</loc><lastmod>2011-10-12T17:23:13+08:00</lastmod></url><url><loc>https://mpf.hk/en/back-in-2011-rcm-added-two-new-mpf-constituent-funds-in-a-single-day/</loc><lastmod>2011-10-12T17:16:40+08:00</lastmod></url><url><loc>https://mpf.hk/en/universal-retirement-protection-debate-mpf-chief-urges-clear-targets-2011/</loc><lastmod>2011-10-12T00:17:27+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-performance-crashed-in-q3-2011-three-self-defence-moves-for-members/</loc><lastmod>2011-10-11T17:23:45+08:00</lastmod></url><url><loc>https://mpf.hk/en/community-care-fund-at-one-first-round-measures-reach-300000-people-2011/</loc><lastmod>2011-10-11T17:14:01+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-performance-hong-kong-posts-worst-quarterly-loss-on-record-in-q3-2011/</loc><lastmod>2011-10-10T17:40:12+08:00</lastmod></url><url><loc>https://mpf.hk/en/after-the-q3-2011-rout-experts-tipped-asia-mpf-equity-funds-for-the-rebound/</loc><lastmod>2011-10-10T17:38:31+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-fees-comparison-why-charges-stayed-stubbornly-high-in-2011/</loc><lastmod>2011-10-10T17:20:45+08:00</lastmod></url><url><loc>https://mpf.hk/en/back-in-2011-the-fee-row-that-made-the-case-for-full-mpf-portability/</loc><lastmod>2011-10-10T17:17:39+08:00</lastmod></url><url><loc>https://mpf.hk/en/standard-chartered-scraps-small-deposit-fee-waiver-for-mpf-linked-accounts-2011/</loc><lastmod>2011-10-10T17:16:44+08:00</lastmod></url><url><loc>https://mpf.hk/en/no-short-selling-ban-why-hong-kong-fell-harder-than-europe-and-the-us-in-october-2011/</loc><lastmod>2011-10-10T17:10:36+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-comparison-why-index-funds-lost-the-2011-crash-despite-lower-fees/</loc><lastmod>2011-10-10T17:06:48+08:00</lastmod></url><url><loc>https://mpf.hk/en/hong-kong-is-not-a-cash-machine-mpf-money-in-the-2011-short-selling-row/</loc><lastmod>2011-10-08T16:32:57+08:00</lastmod></url><url><loc>https://mpf.hk/en/teaching-children-about-money-early-from-saving-habits-to-mpf-wisdom/</loc><lastmod>2011-10-08T16:28:52+08:00</lastmod></url><url><loc>https://mpf.hk/en/terminal-illness-and-mpf-early-withdrawal-the-2011-consultation-explained/</loc><lastmod>2011-10-07T23:09:17+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-performance-september-2011s-7-75-plunge-worst-since-the-financial-crisis/</loc><lastmod>2011-10-07T22:47:38+08:00</lastmod></url><url><loc>https://mpf.hk/en/back-in-2011-mpf-accounts-lost-a-tenth-of-their-value-in-nine-months/</loc><lastmod>2011-10-07T22:43:39+08:00</lastmod></url><url><loc>https://mpf.hk/en/terminal-illness-fees-and-choice-inside-the-mpfs-2011-consultation/</loc><lastmod>2011-10-07T22:41:40+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-securities-lending-no-trustees-lending-for-short-selling-in-the-2011-turmoil/</loc><lastmod>2011-10-07T22:37:50+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-is-an-mpf-multi-manager-structure-explained/</loc><lastmod>2011-10-07T22:35:55+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-performance-hong-kongs-worst-quarter-on-record-in-q3-2011/</loc><lastmod>2011-10-07T22:32:20+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-performance-ranking-equity-funds-lost-nearly-20-in-q3-2011/</loc><lastmod>2011-10-07T22:28:10+08:00</lastmod></url><url><loc>https://mpf.hk/en/looking-back-at-2011-two-straight-losing-months-for-mpf-funds/</loc><lastmod>2011-10-06T23:54:15+08:00</lastmod></url><url><loc>https://mpf.hk/en/looking-back-at-2011-the-mpfa-moves-to-scrutinise-mpf-fees/</loc><lastmod>2011-10-06T23:34:15+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-early-withdrawal-the-2011-consultation-that-proposed-limiting-it-to-the-terminally-ill/</loc><lastmod>2011-10-06T23:33:10+08:00</lastmod></url><url><loc>https://mpf.hk/en/a-2011-column-asked-were-mpf-held-stocks-being-lent-out-for-short-selling/</loc><lastmod>2011-10-06T23:24:50+08:00</lastmod></url><url><loc>https://mpf.hk/en/looking-back-at-2011-early-mpf-access-proposed-for-the-terminally-ill-only/</loc><lastmod>2011-10-06T23:21:21+08:00</lastmod></url><url><loc>https://mpf.hk/en/should-you-switch-mpf-funds-when-markets-tumble-a-2011-lesson-in-dollar-cost-averaging/</loc><lastmod>2011-10-05T17:15:36+08:00</lastmod></url><url><loc>https://mpf.hk/en/learning-from-australia-hong-kongs-mpf-fee-debate-in-2011/</loc><lastmod>2011-10-05T00:50:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/universal-retirement-protection-hong-kongs-2011-grassroots-pension-proposal/</loc><lastmod>2011-10-04T18:44:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-performance-plunges-11-08-in-q3-2011-wiping-out-over-hk16000-per-account/</loc><lastmod>2011-10-03T17:53:56+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-arrangement-timeline-intermediary-bill-first-eca-targeted-for-q2-2012/</loc><lastmod>2011-09-30T23:14:25+08:00</lastmod></url><url><loc>https://mpf.hk/en/portable-mpf-assets-set-to-jump-from-39-to-67-once-employee-choice-arrangement-launches/</loc><lastmod>2011-09-30T23:04:42+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-arrangement-having-the-choice-is-a-right-knowing-how-to-choose-is-a-responsibility/</loc><lastmod>2011-09-30T23:03:31+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-transfers-too-cumbersome-trustees-say-one-wrong-detail-can-drag-a-switch-past-two-months/</loc><lastmod>2011-09-29T17:27:37+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-types-what-a-40-year-old-managers-story-teaches-about-retirement-savings/</loc><lastmod>2011-09-29T17:25:44+08:00</lastmod></url><url><loc>https://mpf.hk/en/should-you-switch-mpf-funds-when-markets-turn-volatile-what-long-term-mpf-fund-performance-tells-us/</loc><lastmod>2011-09-29T17:20:20+08:00</lastmod></url><url><loc>https://mpf.hk/en/aia-may-add-more-mpf-products-as-client-numbers-keep-rising-despite-volatile-markets/</loc><lastmod>2011-09-29T17:15:39+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-fees-comparison-expense-ratio-down-13-in-three-years-will-the-eca-trigger-a-fee-war/</loc><lastmod>2011-09-28T22:51:14+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-withdrawal-age-the-debate-over-early-access-for-the-terminally-ill/</loc><lastmod>2011-09-28T17:25:15+08:00</lastmod></url><url><loc>https://mpf.hk/en/aia-mpf-new-and-existing-client-numbers-both-rise-25-products-on-shelf-fees-cut-to-attract-members/</loc><lastmod>2011-09-28T17:17:01+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-arrangement-semi-portable-mpf-expected-in-h2-2012-transferable-assets-to-rise-from-39-to-67/</loc><lastmod>2011-09-28T17:14:31+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-should-you-choose-mpf-funds-aia-dont-rush-to-switch-portfolios-on-market-swings-review-at-least-once-a-year/</loc><lastmod>2011-09-27T17:37:08+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-returns-equity-funds-down-more-than-10-year-to-date-bond-funds-up-over-4-against-the-trend/</loc><lastmod>2011-09-27T17:27:34+08:00</lastmod></url><url><loc>https://mpf.hk/en/seconded-overseas-but-still-paying-mpf-employer-obligations-you-should-know/</loc><lastmod>2011-09-26T18:10:49+08:00</lastmod></url><url><loc>https://mpf.hk/en/if-japanese-government-bonds-are-downgraded-again-mpf-bond-funds-may-be-forced-into-a-painful-sell-down/</loc><lastmod>2011-09-26T18:08:52+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-terminal-illness-early-withdrawal-accepted-phased-withdrawals-allowed-after-65/</loc><lastmod>2011-09-26T17:59:55+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-losses-crash-leaves-the-average-worker-hk16000-poorer-on-paper-this-quarter/</loc><lastmod>2011-09-26T17:44:46+08:00</lastmod></url><url><loc>https://mpf.hk/en/phased-mpf-withdrawal-no-more-forced-lump-sum-at-retirement-earliest-in-two-years/</loc><lastmod>2011-09-26T17:30:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-terminal-illness-early-withdrawal-finds-consensus-definition-pending-doctors-certificate-required/</loc><lastmod>2011-09-26T17:27:47+08:00</lastmod></url><url><loc>https://mpf.hk/en/not-yet-time-to-buy-the-dip-mpf-fund-performance-in-september-2011/</loc><lastmod>2011-09-26T17:24:50+08:00</lastmod></url><url><loc>https://mpf.hk/en/different-mpf-accounts-different-strategies-contribution-vs-preserved-accounts/</loc><lastmod>2011-09-26T17:20:16+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-performance-ranking-average-member-lost-hk13375-in-just-over-two-months/</loc><lastmod>2011-09-26T17:17:34+08:00</lastmod></url><url><loc>https://mpf.hk/en/the-mpf-firewall-how-trustees-investment-managers-and-custodians-protect-you/</loc><lastmod>2011-09-25T04:20:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-arrangement-by-mid-2012-three-big-topics-from-the-mpfa-board/</loc><lastmod>2011-09-24T04:10:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-early-withdrawal-for-terminal-illness-mpfa-board-gives-in-principle-approval/</loc><lastmod>2011-09-23T17:47:58+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfa-tightens-early-access-to-terminal-illness-only-more-flexible-withdrawal-at-65/</loc><lastmod>2011-09-23T17:35:20+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfa-accepts-terminal-illness-as-mpf-early-withdrawal-ground-in-principle/</loc><lastmod>2011-09-23T17:31:40+08:00</lastmod></url><url><loc>https://mpf.hk/en/teaching-kids-about-money-from-pocket-money-to-mpf-without-raising-hong-kong-kids/</loc><lastmod>2011-09-23T17:29:07+08:00</lastmod></url><url><loc>https://mpf.hk/en/turning-pension-personal-accounts-into-mainland-chinas-own-mpf-a-2011-reform-idea/</loc><lastmod>2011-09-23T02:12:40+08:00</lastmod></url><url><loc>https://mpf.hk/en/annuity-insurance-for-retirement-the-longer-you-live-the-more-you-collect/</loc><lastmod>2011-09-22T18:51:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/early-mpf-withdrawal-may-be-limited-to-the-seriously-ill-lump-sum-payout-at-65-under-review/</loc><lastmod>2011-09-22T17:30:50+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-performance-in-a-sell-off-lessons-from-hong-kongs-2011-mini-crash/</loc><lastmod>2011-09-22T17:18:14+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-conservative-fund-a-steady-choice-for-those-nearing-retirement/</loc><lastmod>2011-09-22T17:12:46+08:00</lastmod></url><url><loc>https://mpf.hk/en/making-mpf-work-harder-raising-the-mpf-contribution-rate-and-age-based-default-portfolios/</loc><lastmod>2011-09-21T17:44:24+08:00</lastmod></url><url><loc>https://mpf.hk/en/posted-abroad-mpf-employer-obligations-hong-kong-firms-still-carry/</loc><lastmod>2011-09-21T17:32:58+08:00</lastmod></url><url><loc>https://mpf.hk/en/critical-illness-may-unlock-early-mpf-access-phased-withdrawals-after-65-under-study/</loc><lastmod>2011-09-21T17:22:53+08:00</lastmod></url><url><loc>https://mpf.hk/en/early-mpf-withdrawals-proposed-lump-sum-payout-at-65-may-go-phased/</loc><lastmod>2011-09-21T17:20:02+08:00</lastmod></url><url><loc>https://mpf.hk/en/decoding-the-401k-it-cant-rescue-the-stock-market-and-it-may-widen-the-income-gap/</loc><lastmod>2011-09-21T08:40:21+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-trustees-carry-a-heavy-load-statutory-duties-and-regulatory-requirements/</loc><lastmod>2011-09-19T17:50:10+08:00</lastmod></url><url><loc>https://mpf.hk/en/false-permanent-departure-claim-for-early-mpf-withdrawal-draws-hk6000-fine/</loc><lastmod>2011-09-19T17:36:24+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfa-recovers-over-hk400000-in-mpf-arrears-from-10-employers/</loc><lastmod>2011-09-19T17:35:12+08:00</lastmod></url><url><loc>https://mpf.hk/en/bear-market-looms-mpf-fund-performance-for-the-week-to-9-september-2011/</loc><lastmod>2011-09-19T17:22:45+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-lost-5-in-august-worst-since-the-financial-crisis-sit-tight-dont-switch/</loc><lastmod>2011-09-18T23:25:38+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-to-make-mpf-work-harder-in-retirement-protection-two-behavioural-economics-proposals/</loc><lastmod>2011-09-17T21:56:48+08:00</lastmod></url><url><loc>https://mpf.hk/en/work-incentive-transport-subsidy-opens-for-applications-in-october-fewer-than-100000-expected-to-benefit/</loc><lastmod>2011-09-16T18:07:35+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-reform-is-inevitable-the-employee-choice-arrangement-brings-competition/</loc><lastmod>2011-09-16T18:01:43+08:00</lastmod></url><url><loc>https://mpf.hk/en/four-employers-fined-hk75000-for-mpf-offences/</loc><lastmod>2011-09-16T17:54:53+08:00</lastmod></url><url><loc>https://mpf.hk/en/employers-beware-mpf-defaulters-have-nowhere-to-hide/</loc><lastmod>2011-09-16T17:44:57+08:00</lastmod></url><url><loc>https://mpf.hk/en/post-80s-retirement-in-three-steps-let-target-date-lazy-funds-do-the-steering/</loc><lastmod>2011-09-16T17:37:09+08:00</lastmod></url><url><loc>https://mpf.hk/en/choosing-an-mpf-provider-dont-pick-on-price-alone/</loc><lastmod>2011-09-16T17:27:43+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-performance-slumps-over-5-in-a-month-adviser-urges-members-to-stay-the-course/</loc><lastmod>2011-09-16T04:15:36+08:00</lastmod></url><url><loc>https://mpf.hk/en/fund-fees-eat-into-returns-morningstar-says-etfs-bring-real-price-competition/</loc><lastmod>2011-09-16T03:39:53+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-arrangement-eyed-for-mid-2012-launch-fund-association-sees-no-mass-redemptions/</loc><lastmod>2011-09-15T17:28:36+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-default-contributions-delinquent-employers-now-searchable-online/</loc><lastmod>2011-09-15T17:26:24+08:00</lastmod></url><url><loc>https://mpf.hk/en/aia-mpf-value-promise-low-fee-funds-join-the-mpf-fund-fees-comparison/</loc><lastmod>2011-09-15T03:36:11+08:00</lastmod></url><url><loc>https://mpf.hk/en/community-care-fund-hk6000-grant-230000-new-immigrants-may-apply-from-october/</loc><lastmod>2011-09-14T18:07:38+08:00</lastmod></url><url><loc>https://mpf.hk/en/work-incentive-transport-subsidy-32000-workers-lose-eligibility-after-pay-rises/</loc><lastmod>2011-09-13T18:13:55+08:00</lastmod></url><url><loc>https://mpf.hk/en/transport-subsidy-forms-out-next-thursday-applications-open-3-october/</loc><lastmod>2011-09-13T18:09:15+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-vs-orso-whats-the-difference/</loc><lastmod>2011-09-13T18:06:40+08:00</lastmod></url><url><loc>https://mpf.hk/en/retirement-security-is-mpf-enough-to-retire-on-the-real-struggles-of-hong-kong-workers/</loc><lastmod>2011-09-13T18:02:40+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fees-dont-choose-a-provider-on-price-alone-check-the-fund-range-too/</loc><lastmod>2011-09-13T17:55:04+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-comparison-choose-a-scheme-with-a-diversified-fund-range/</loc><lastmod>2011-09-13T17:24:06+08:00</lastmod></url><url><loc>https://mpf.hk/en/are-mpf-fees-too-high-competition-is-the-real-cure/</loc><lastmod>2011-09-13T17:18:53+08:00</lastmod></url><url><loc>https://mpf.hk/en/choosing-an-mpf-provider-cheap-isnt-the-only-criterion/</loc><lastmod>2011-09-13T06:33:22+08:00</lastmod></url><url><loc>https://mpf.hk/en/post-80s-retirement-planning-the-gap-between-hopes-and-reality/</loc><lastmod>2011-09-12T17:49:45+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-returns-a-long-term-investment-that-has-stood-the-test-of-time/</loc><lastmod>2011-09-12T17:47:10+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-in-a-downturn-dont-crystallise-losses-at-the-bottom/</loc><lastmod>2011-09-11T02:19:48+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-comparison-switching-funds-within-one-scheme-beats-switching-schemes/</loc><lastmod>2011-09-11T02:16:31+08:00</lastmod></url><url><loc>https://mpf.hk/en/axa-investment-managers-states-its-case-in-the-mpf-market/</loc><lastmod>2011-09-10T09:06:04+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-market-outlook-consolidation-and-choice-under-fee-pressure/</loc><lastmod>2011-09-10T09:03:16+08:00</lastmod></url><url><loc>https://mpf.hk/en/community-care-fund-hk6000-handout-new-arrivals-can-apply-from-3-october/</loc><lastmod>2011-09-09T17:17:14+08:00</lastmod></url><url><loc>https://mpf.hk/en/community-care-fund-hk6000-subsidy-full-application-guide-for-low-income-new-migrants/</loc><lastmod>2011-09-09T17:10:53+08:00</lastmod></url><url><loc>https://mpf.hk/en/do-part-timers-have-to-contribute-to-mpf-the-60-day-rule-explained/</loc><lastmod>2011-09-08T17:23:51+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fees-assets-tipped-to-top-hk1-trillion-fixed-admin-fees-could-cut-charges/</loc><lastmod>2011-09-08T00:38:48+08:00</lastmod></url><url><loc>https://mpf.hk/en/choosing-mpf-funds-how-to-pick-resilient-asian-funds-in-a-downturn/</loc><lastmod>2011-09-07T18:09:42+08:00</lastmod></url><url><loc>https://mpf.hk/en/convoy-h1-revenue-hits-hk316m-on-ilas-sales-asia-expansion-continues/</loc><lastmod>2011-09-07T18:00:52+08:00</lastmod></url><url><loc>https://mpf.hk/en/hospital-authority-mpf-to-add-second-manager/</loc><lastmod>2011-09-07T17:57:33+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-august-returns-worst-month-since-the-financial-tsunami/</loc><lastmod>2011-09-07T17:53:56+08:00</lastmod></url><url><loc>https://mpf.hk/en/hk-mpfs-fall-5-27-in-august-biggest-drop-since-october-2008/</loc><lastmod>2011-09-07T17:48:48+08:00</lastmod></url><url><loc>https://mpf.hk/en/should-mpf-be-fully-liberalised-over-half-unhappy-with-returns/</loc><lastmod>2011-09-07T17:47:23+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-annual-benefit-statements-how-to-read-your-mpf-report-card/</loc><lastmod>2011-09-06T17:26:21+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-august-fund-returns-at-a-glance/</loc><lastmod>2011-09-06T17:15:12+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-loses-5-27-in-august-worst-since-the-tsunami-beware-selling-low-buying-high/</loc><lastmod>2011-09-06T17:13:07+08:00</lastmod></url><url><loc>https://mpf.hk/en/august-crash-mpf-loses-5-as-each-member-loses-over-hk8000-on-average/</loc><lastmod>2011-09-06T17:06:47+08:00</lastmod></url><url><loc>https://mpf.hk/en/jpmorgan-urges-looser-approval-for-emerging-market-funds-retirement-money-must-beat-inflation/</loc><lastmod>2011-09-05T22:15:03+08:00</lastmod></url><url><loc>https://mpf.hk/en/hospital-authority-mpf-disappoints-hk3-1bn-with-a-single-manager-under-scrutiny/</loc><lastmod>2011-09-05T18:46:55+08:00</lastmod></url><url><loc>https://mpf.hk/en/seafarers-mpf-challenge-fails-judicial-review-refused/</loc><lastmod>2011-09-05T18:45:47+08:00</lastmod></url><url><loc>https://mpf.hk/en/power-voters-demand-mpf-liberation-as-august-losses-top-hk10000-per-worker/</loc><lastmod>2011-09-05T18:32:58+08:00</lastmod></url><url><loc>https://mpf.hk/en/ageing-and-retirement-can-reverse-mortgages-work/</loc><lastmod>2011-09-03T17:21:23+08:00</lastmod></url><url><loc>https://mpf.hk/en/seafarers-judicial-review-refused-industry-outside-mpf-ordinance/</loc><lastmod>2011-09-03T17:17:46+08:00</lastmod></url><url><loc>https://mpf.hk/en/retirement-protection-nowhere-in-sight-the-systemic-question-behind-the-hk6000-handout/</loc><lastmod>2011-09-03T04:36:23+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-should-start-up-employers-choose-an-mpf-trustee-dont-look-at-fees-alone/</loc><lastmod>2011-09-03T04:34:34+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-tipped-to-fall-8-9-in-august-hk8694-lost-per-person-wiping-out-the-hk6000-handout/</loc><lastmod>2011-09-02T19:34:39+08:00</lastmod></url><url><loc>https://mpf.hk/en/wage-arrears-case-do-the-self-employed-need-mpf/</loc><lastmod>2011-09-02T19:31:39+08:00</lastmod></url><url><loc>https://mpf.hk/en/three-moves-against-inflation-protecting-your-mpfs-purchasing-power/</loc><lastmod>2011-09-02T19:29:25+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfa-providers-should-offer-more-index-funds-2/</loc><lastmod>2011-09-02T19:24:38+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-august-losses-top-hk10000-per-worker-equities-bleed-bonds-shine/</loc><lastmod>2011-09-02T19:23:02+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-tipped-to-plunge-8-9-in-august-two-million-workers-hit/</loc><lastmod>2011-09-02T19:19:51+08:00</lastmod></url><url><loc>https://mpf.hk/en/do-part-time-tutors-need-mpf-the-60-calendar-day-rule-explained/</loc><lastmod>2011-09-02T19:15:33+08:00</lastmod></url><url><loc>https://mpf.hk/en/jpmorgan-urges-looser-mpf-fund-approval-high-risk-funds-nearly-extinct-since-lehman/</loc><lastmod>2011-09-01T20:08:49+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-vs-orso-what-voluntary-contributions-mean/</loc><lastmod>2011-09-01T19:37:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-swings-from-gain-to-loss-august-crash-leaves-workers-despairing/</loc><lastmod>2011-09-01T19:23:56+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-losses-top-hk10000-per-worker-what-next-after-the-black-august/</loc><lastmod>2011-09-01T19:22:23+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-do-workers-see-mpf-after-the-crash-three-mindsets/</loc><lastmod>2011-09-01T19:20:13+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-do-young-workers-still-dare-choose-high-risk-a-generational-divide-after-the-crash/</loc><lastmod>2011-09-01T19:18:36+08:00</lastmod></url><url><loc>https://mpf.hk/en/universal-retirement-fund-hk50bn-injection-for-hk3000-a-month-enough/</loc><lastmod>2011-08-31T21:05:35+08:00</lastmod></url><url><loc>https://mpf.hk/en/jpmam-eyes-emerging-market-debt-and-commodity-mpf-funds/</loc><lastmod>2011-08-31T20:51:04+08:00</lastmod></url><url><loc>https://mpf.hk/en/scheme-6000-registration-opens-300000-forms-collected-on-day-one/</loc><lastmod>2011-08-31T20:43:35+08:00</lastmod></url><url><loc>https://mpf.hk/en/seniors-celebrate-the-hk6000-scheme-a-lesson-in-people-first-governance/</loc><lastmod>2011-08-31T20:30:33+08:00</lastmod></url><url><loc>https://mpf.hk/en/august-market-rout-drags-mpf-down-7-74-in-a-month-wiping-out-year-to-date-gains/</loc><lastmod>2011-08-31T20:27:49+08:00</lastmod></url><url><loc>https://mpf.hk/en/teresa-carpio-performing-arts-school-ordered-to-pay-hk1646-in-mpf-arrears/</loc><lastmod>2011-08-31T20:18:33+08:00</lastmod></url><url><loc>https://mpf.hk/en/jpmorgan-urges-mpfa-to-relax-approval-of-new-mpf-funds-as-high-risk-products-stall/</loc><lastmod>2011-08-31T03:56:24+08:00</lastmod></url><url><loc>https://mpf.hk/en/proposed-mpf-early-withdrawal-compassionate-scheme-sparks-fears-of-an-atm-culture/</loc><lastmod>2011-08-31T03:54:48+08:00</lastmod></url><url><loc>https://mpf.hk/en/hk6000-scheme-draws-over-320000-registrations-on-day-one-bank-payouts-in-about-10-weeks/</loc><lastmod>2011-08-30T19:44:29+08:00</lastmod></url><url><loc>https://mpf.hk/en/inflation-bites-jpmorgan-says-retirement-money-must-beat-inflation-urges-relaxed-approval-for-emerging-market-funds/</loc><lastmod>2011-08-30T19:43:35+08:00</lastmod></url><url><loc>https://mpf.hk/en/minimum-wage-review-must-wait-for-q1-data-next-year-over-200000-grassroots-workers-get-nearly-10-pay-rise-says-matthew-cheung/</loc><lastmod>2011-08-30T19:37:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/groups-urge-government-to-inject-hk50-billion-for-universal-retirement-protection-paying-hk3000-a-month/</loc><lastmod>2011-08-30T19:34:40+08:00</lastmod></url><url><loc>https://mpf.hk/en/bea-trustees-named-the-best-mpf-scheme-by-metrobox-magazine/</loc><lastmod>2011-08-29T21:46:26+08:00</lastmod></url><url><loc>https://mpf.hk/en/part-timers-are-covered-by-mpf-too-the-60-day-rule-counts-calendar-days-and-one-day-is-enough-in-catering-and-construction/</loc><lastmod>2011-08-29T20:53:53+08:00</lastmod></url><url><loc>https://mpf.hk/en/fighting-inflation-dont-forget-risk-mpf-is-a-long-term-investment-not-a-chase-for-high-returns/</loc><lastmod>2011-08-29T20:51:07+08:00</lastmod></url><url><loc>https://mpf.hk/en/voluntary-contributions-can-be-withdrawn-in-stages-mandatory-contributions-only-as-a-lump-sum-at-retirement/</loc><lastmod>2011-08-29T20:37:49+08:00</lastmod></url><url><loc>https://mpf.hk/en/european-and-us-debt-crisis-hits-mpf-international-bond-funds-hardest-with-over-30-of-assets-in-western-government-bonds/</loc><lastmod>2011-08-29T20:31:49+08:00</lastmod></url><url><loc>https://mpf.hk/en/approaching-retirement-shift-your-mpf-from-attack-to-defence-four-scenarios-four-playbooks/</loc><lastmod>2011-08-29T20:25:17+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-switches-can-be-priced-same-day-six-trustees-offer-it/</loc><lastmod>2011-08-29T20:20:31+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-alone-wont-fund-a-comfortable-retirement-replacement-ratio-needs-70-top-up-voluntarily/</loc><lastmod>2011-08-29T20:15:54+08:00</lastmod></url><url><loc>https://mpf.hk/en/seniors-claiming-hk6000-warned-against-fraud-cheung-urges-trusted-helpers-for-forms-reviews-three-retirement-pillars/</loc><lastmod>2011-08-29T19:58:03+08:00</lastmod></url><url><loc>https://mpf.hk/en/start-up-employers-mpf-duties-part-2-display-the-participation-certificate-issue-monthly-contribution-records/</loc><lastmod>2011-08-29T19:54:43+08:00</lastmod></url><url><loc>https://mpf.hk/en/elderly-commission-to-study-universal-retirement-protection-aims-to-launch-thematic-research-within-two-years/</loc><lastmod>2011-08-29T19:46:37+08:00</lastmod></url><url><loc>https://mpf.hk/en/scholar-urges-government-to-study-universal-retirement-protection-hk50-billion-injection-for-hk3000-monthly-pensions/</loc><lastmod>2011-08-29T19:40:54+08:00</lastmod></url><url><loc>https://mpf.hk/en/voluntary-contributions-boost-retirement-reserves-an-mpf-calculator-can-size-up-what-youll-need/</loc><lastmod>2011-08-29T19:38:33+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-early-withdrawal-discretion-loosened-mpfa-director-fears-an-atm-culture/</loc><lastmod>2011-08-29T19:36:58+08:00</lastmod></url><url><loc>https://mpf.hk/en/groups-propose-seed-fund-for-elderly-livelihood-protection/</loc><lastmod>2011-08-28T00:48:48+08:00</lastmod></url><url><loc>https://mpf.hk/en/picking-the-wrong-fund-mix-erodes-retirement-savings-old-mpf-accounts-should-be-consolidated/</loc><lastmod>2011-08-27T06:52:13+08:00</lastmod></url><url><loc>https://mpf.hk/en/donald-tsangs-policy-address-consultation-met-with-petitions-for-universal-retirement-protection/</loc><lastmod>2011-08-26T19:32:46+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-falls-0-5-in-q2-losing-nearly-hk1-9-billion-half-of-product-types-trail-inflation/</loc><lastmod>2011-08-26T01:12:45+08:00</lastmod></url><url><loc>https://mpf.hk/en/elderly-hongkongers-in-mainland-china-struggle-to-claim-hk6000-n-have-nots-lack-accounts-and-addresses-unions-urge-flexibility/</loc><lastmod>2011-08-25T19:31:24+08:00</lastmod></url><url><loc>https://mpf.hk/en/n-have-not-elderly-lament-hk6000-hurdles-union-logs-430-pleas-proposes-guangdong-office-help/</loc><lastmod>2011-08-25T19:20:12+08:00</lastmod></url><url><loc>https://mpf.hk/en/a-self-owned-flat-plus-mpf-wont-sustain-pre-retirement-living-standards-reverse-mortgages-paying-hk11000-a-month-are-worth-a-look/</loc><lastmod>2011-08-25T19:16:14+08:00</lastmod></url><url><loc>https://mpf.hk/en/middle-aged-choose-your-mpf-mix-carefully-start-shifting-from-attack-to-defence-after-50/</loc><lastmod>2011-08-24T23:30:16+08:00</lastmod></url><url><loc>https://mpf.hk/en/manulife-to-launch-3-new-funds-this-year-targets-20-mpf-market-share/</loc><lastmod>2011-08-24T19:40:41+08:00</lastmod></url><url><loc>https://mpf.hk/en/start-up-employers-mpf-duties-part-1-part-timers-must-be-covered-too-minimum-income-rises-to-hk6500-in-november/</loc><lastmod>2011-08-24T19:39:27+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-vs-orso-provident-funds-three-key-differences-you-should-know/</loc><lastmod>2011-08-24T19:33:58+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-employee-choice-arrangement-may-launch-in-second-half-of-next-year-how-to-pick-a-provider/</loc><lastmod>2011-08-23T19:51:31+08:00</lastmod></url><url><loc>https://mpf.hk/en/index-tracking-funds-cheaper-than-active-funds-aia-to-launch-three-at-0-99-fees-in-september/</loc><lastmod>2011-08-23T19:49:09+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-back-in-the-red-after-two-years-down-0-5-and-hk1-9-billion-in-a-quarter/</loc><lastmod>2011-08-23T19:41:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/workers-slam-labour-tribunal-as-toothless-tiger-over-wage-claims-one-settles-hk140000-claim-for-hk30000/</loc><lastmod>2011-08-23T19:32:58+08:00</lastmod></url><url><loc>https://mpf.hk/en/voluntary-contributions-top-up-retirement-reserves-mpfs-pooled-investing-spreads-risk/</loc><lastmod>2011-08-22T21:08:46+08:00</lastmod></url><url><loc>https://mpf.hk/en/orso-looks-like-the-better-deal-three-big-differences-between-mpf-and-orso/</loc><lastmod>2011-08-22T21:01:11+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfa-posts-near-hk100-million-loss-as-investment-income-plunges-60-headcount-more-than-doubles-in-five-years/</loc><lastmod>2011-08-22T20:50:32+08:00</lastmod></url><url><loc>https://mpf.hk/en/wanted-mpf-retirement-planner-monthly-income-hk8000-19000/</loc><lastmod>2011-08-22T18:08:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-semi-portability-employees-may-transfer-contributions-once-a-year-lawmakers-urge-fee-caps/</loc><lastmod>2011-08-22T18:08:35+08:00</lastmod></url><url><loc>https://mpf.hk/en/juggling-several-mpf-accounts-consolidating-saves-on-fees/</loc><lastmod>2011-08-22T10:24:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-alone-wont-sustain-retirement-living-retirement-savings-insurance-with-monthly-payouts-is-worth-considering/</loc><lastmod>2011-08-22T04:59:28+08:00</lastmod></url><url><loc>https://mpf.hk/en/enhanced-regulation-of-mandatory-provident-fund-intermediaries-2/</loc><lastmod>2011-08-21T08:48:02+08:00</lastmod></url><url><loc>https://mpf.hk/en/aia-lowers-mpf-fees-2/</loc><lastmod>2011-08-19T19:49:29+08:00</lastmod></url><url><loc>https://mpf.hk/en/aia-open-to-mpf-semi-portability-may-consider-investing-in-government-bonds/</loc><lastmod>2011-08-19T19:43:54+08:00</lastmod></url><url><loc>https://mpf.hk/en/do-market-swings-dictate-mpf-fortunes-timing-the-market-is-mission-impossible/</loc><lastmod>2011-08-19T19:19:16+08:00</lastmod></url><url><loc>https://mpf.hk/en/aia-adds-four-low-fee-mpfs-cuts-prices-for-existing-funds-2/</loc><lastmod>2011-08-18T20:29:48+08:00</lastmod></url><url><loc>https://mpf.hk/en/seafarer-seeks-judicial-review-after-hk80000-in-mpf-contributions-confiscated/</loc><lastmod>2011-08-18T19:51:54+08:00</lastmod></url><url><loc>https://mpf.hk/en/kospi-breaks-7000-as-us23-2-billion-walks-out-a-rebalancing-playbook-for-mpfs-asia-pacific-bet/</loc><lastmod>2026-09-23T09:10:39+08:00</lastmod></url><url><loc>https://mpf.hk/en/work-out-your-retirement-needs-before-making-voluntary-contributions/</loc><lastmod>2011-08-18T19:50:19+08:00</lastmod></url><url><loc>https://mpf.hk/en/making-voluntary-contributions-what-should-you-watch-for/</loc><lastmod>2011-08-18T19:40:21+08:00</lastmod></url><url><loc>https://mpf.hk/en/aia-cuts-fees-on-three-mpf-funds/</loc><lastmod>2011-08-18T19:35:37+08:00</lastmod></url><url><loc>https://mpf.hk/en/seafarer-seeks-judicial-review-after-being-denied-mpf-protection/</loc><lastmod>2011-08-18T19:33:59+08:00</lastmod></url><url><loc>https://mpf.hk/en/aia-mini-qfii-will-have-little-impact-on-mpf-funds/</loc><lastmod>2011-08-18T19:32:38+08:00</lastmod></url><url><loc>https://mpf.hk/en/aia-mpf-funds-unlikely-to-benefit-from-mini-qfii-in-the-near-term/</loc><lastmod>2011-08-18T04:52:03+08:00</lastmod></url><url><loc>https://mpf.hk/en/aia-launches-four-low-fee-funds-cuts-three-existing-funds-to-0-99/</loc><lastmod>2011-08-18T04:50:26+08:00</lastmod></url><url><loc>https://mpf.hk/en/aia-open-to-employee-choice-arrangement-may-consider-rmb-products/</loc><lastmod>2011-08-18T02:50:50+08:00</lastmod></url><url><loc>https://mpf.hk/en/self-employed-tenure-lengthens-possibly-an-mpf-side-effect/</loc><lastmod>2011-08-17T20:10:45+08:00</lastmod></url><url><loc>https://mpf.hk/en/governments-hk6000-handout-miscounted-by-hk4-billion/</loc><lastmod>2011-08-17T19:56:46+08:00</lastmod></url><url><loc>https://mpf.hk/en/handout-system-too-rigid-macau-taiwan-and-singapore-offer-lessons/</loc><lastmod>2011-08-17T19:43:12+08:00</lastmod></url><url><loc>https://mpf.hk/en/handout-wont-fight-inflation-it-will-divide-society/</loc><lastmod>2011-08-17T19:35:11+08:00</lastmod></url><url><loc>https://mpf.hk/en/employer-fined-hk14000-for-dodging-mpf-via-bogus-self-employment/</loc><lastmod>2011-08-17T19:18:21+08:00</lastmod></url><url><loc>https://mpf.hk/en/fund-godfather-mark-mobius-on-mpf/</loc><lastmod>2011-08-17T19:13:38+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-price-war-heats-up-as-aia-prepares-fee-cuts/</loc><lastmod>2011-08-16T19:50:32+08:00</lastmod></url><url><loc>https://mpf.hk/en/market-volatility-how-should-mpf-members-respond/</loc><lastmod>2011-08-16T19:40:20+08:00</lastmod></url><url><loc>https://mpf.hk/en/hong-kong-shares-show-big-gains-2/</loc><lastmod>2011-08-16T03:58:07+08:00</lastmod></url><url><loc>https://mpf.hk/en/monthly-fund-contributions-lower-your-investment-cost/</loc><lastmod>2011-08-15T23:46:58+08:00</lastmod></url><url><loc>https://mpf.hk/en/mrs-chan-58-how-to-make-the-final-push-to-retirement/</loc><lastmod>2011-08-15T23:44:44+08:00</lastmod></url><url><loc>https://mpf.hk/en/summer-jobs-60-days-of-work-means-mpf-enrolment/</loc><lastmod>2011-08-15T23:43:32+08:00</lastmod></url><url><loc>https://mpf.hk/en/australias-retirement-funds-deliver-zero-return-over-five-years/</loc><lastmod>2011-08-15T17:18:33+08:00</lastmod></url><url><loc>https://mpf.hk/en/hk6000-scheme-registration-opens-on-the-28th/</loc><lastmod>2011-08-15T14:35:46+08:00</lastmod></url><url><loc>https://mpf.hk/en/patrick-poon-how-to-handle-mpf-investments-in-a-bear-market/</loc><lastmod>2011-08-14T17:58:36+08:00</lastmod></url><url><loc>https://mpf.hk/en/forms-available-from-the-22nd-for-the-hk6000-handout/</loc><lastmod>2011-08-14T04:18:40+08:00</lastmod></url><url><loc>https://mpf.hk/en/seven-employers-fined-hk136000-for-mpf-defaults/</loc><lastmod>2011-08-14T02:55:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-arrangement-nears-consolidate-preserved-accounts-to-save-fees/</loc><lastmod>2011-08-13T22:32:05+08:00</lastmod></url><url><loc>https://mpf.hk/en/exports-weaken-as-hong-kong-q2-gdp-shrinks-0-5-quarter-on-quarter/</loc><lastmod>2011-08-13T21:30:18+08:00</lastmod></url><url><loc>https://mpf.hk/en/roller-coaster-markets-trigger-surge-in-mpf-enquiries/</loc><lastmod>2011-08-13T17:41:19+08:00</lastmod></url><url><loc>https://mpf.hk/en/starting-a-business-and-mpf-the-self-employed-guide/</loc><lastmod>2011-08-13T17:32:39+08:00</lastmod></url><url><loc>https://mpf.hk/en/hk6000-scheme-in-five-phases-by-year-of-birth/</loc><lastmod>2011-08-13T17:27:32+08:00</lastmod></url><url><loc>https://mpf.hk/en/hk6000-handout-registration-starts-on-the-28th/</loc><lastmod>2011-08-13T17:22:46+08:00</lastmod></url><url><loc>https://mpf.hk/en/q2-growth-slows-to-5-1-as-inflation-forecast-raised-to-5-4/</loc><lastmod>2011-08-13T16:42:13+08:00</lastmod></url><url><loc>https://mpf.hk/en/government-watching-global-economic-shifts-closely/</loc><lastmod>2011-08-13T16:30:41+08:00</lastmod></url><url><loc>https://mpf.hk/en/no-need-to-hand-in-hk6000-forms-in-person-estates-get-drop-boxes/</loc><lastmod>2011-08-13T06:44:07+08:00</lastmod></url><url><loc>https://mpf.hk/en/scheme-6000-details-set-phased-registration-direct-payment/</loc><lastmod>2011-08-13T06:42:28+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-is-the-mpf-employee-choice-arrangement/</loc><lastmod>2011-08-13T06:05:22+08:00</lastmod></url><url><loc>https://mpf.hk/en/lazy-fund-fees-differ-by-30-do-the-maths-before-switching/</loc><lastmod>2011-08-13T00:29:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/survey-30-of-post-80s-save-part-of-their-income/</loc><lastmod>2011-08-13T00:25:30+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-employee-choice-arrangement-prepare-for-the-transfer-rules/</loc><lastmod>2011-08-13T00:22:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/fidelity-94-of-surveyed-post-80s-save-regularly/</loc><lastmod>2011-08-13T00:12:23+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-is-the-mpf-employee-choice-arrangement-2/</loc><lastmod>2011-08-12T18:16:26+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-arrangement-one-transfer-a-year/</loc><lastmod>2011-08-12T17:34:47+08:00</lastmod></url><url><loc>https://mpf.hk/en/new-to-the-workforce-your-first-lesson-mpf/</loc><lastmod>2011-08-11T19:21:14+08:00</lastmod></url><url><loc>https://mpf.hk/en/preserving-your-mpf-payout-cross-border-rmb-time-deposits/</loc><lastmod>2011-08-11T10:31:01+08:00</lastmod></url><url><loc>https://mpf.hk/en/bond-funds-top-july-performance-as-equities-suffer/</loc><lastmod>2011-08-11T08:44:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/voluntary-mpf-contributions-build-your-retirement-reserve/</loc><lastmod>2011-08-11T01:47:53+08:00</lastmod></url><url><loc>https://mpf.hk/en/nearing-retirement-as-mpf-shrinks-lawmaker-urges-flexible-withdrawals/</loc><lastmod>2011-08-11T01:44:44+08:00</lastmod></url><url><loc>https://mpf.hk/en/bear-market-bites-lo-ka-chung-preserve-capital-first/</loc><lastmod>2011-08-11T01:43:11+08:00</lastmod></url><url><loc>https://mpf.hk/en/fidelity-we-wont-compete-on-cheapest-fees/</loc><lastmod>2011-08-09T19:26:42+08:00</lastmod></url><url><loc>https://mpf.hk/en/fidelity-survey-86-of-post-80s-rely-solely-on-mpf-for-retirement/</loc><lastmod>2011-08-09T19:22:56+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-fees-comparison-hang-sengs-lazy-fund-fer-30-dearer-than-hsbcs/</loc><lastmod>2011-08-09T19:17:05+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-consultation-lacks-a-big-picture-no-universal-pension-blueprint-yet-early-access-first/</loc><lastmod>2011-08-08T20:18:16+08:00</lastmod></url><url><loc>https://mpf.hk/en/name-change-for-aia-jf-mpf-schemes-spotlight-on-multi-manager-strategy/</loc><lastmod>2011-08-08T19:53:45+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-compassionate-regime-under-fire-trying-to-run-before-it-can-walk/</loc><lastmod>2011-08-08T19:51:03+08:00</lastmod></url><url><loc>https://mpf.hk/en/albert-cheng-mpfa-neglecting-its-real-job-compassionate-withdrawals-risk-family-tragedies/</loc><lastmod>2011-08-08T19:43:53+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-performance-under-threat-as-us-downgrade-storm-hits-returns/</loc><lastmod>2011-08-08T19:34:09+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-is-a-preserved-account-your-contribution-account-becomes-one-when-you-change-jobs/</loc><lastmod>2011-08-08T18:32:13+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-performance-experts-stay-bullish-on-equity-funds-this-year-favour-asia-pacific/</loc><lastmod>2011-08-07T00:02:18+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-fees-comparison-expense-ratios-can-differ-by-4-percentage-points/</loc><lastmod>2011-08-06T23:31:26+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-early-withdrawal-fraud-is-a-criminal-offence-fines-and-jail/</loc><lastmod>2011-08-06T18:24:17+08:00</lastmod></url><url><loc>https://mpf.hk/en/aia-jfs-mpf-premier-plan-renamed-from-23-september/</loc><lastmod>2011-08-06T18:16:37+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-performance-in-july-equity-funds-lagged-bonds-but-each-worker-still-made-270/</loc><lastmod>2011-08-05T19:44:07+08:00</lastmod></url><url><loc>https://mpf.hk/en/the-dark-side-of-the-6000-handout-can-the-late-mr-chan-still-register/</loc><lastmod>2011-08-05T19:29:39+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-performance-bond-funds-beating-equities-fourfold-this-year-rotate-into-stocks-on-weakness/</loc><lastmod>2011-08-05T19:27:30+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-is-the-right-retirement-investment-strategy-75-core-money-25-play-money/</loc><lastmod>2011-08-05T19:24:01+08:00</lastmod></url><url><loc>https://mpf.hk/en/universal-pension-costs-a-fortune-4000-a-month-means-44-2-billion-a-year/</loc><lastmod>2011-08-05T03:22:37+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-semi-portability-is-coming-one-switch-a-year-dont-chase-perks-watch-the-fees/</loc><lastmod>2011-08-05T03:12:17+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-performance-hk-mpfs-end-two-months-of-losses-with-0-18-july-gain/</loc><lastmod>2011-08-04T20:14:22+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-performance-set-for-a-july-rebound-into-profit-up-about-2/</loc><lastmod>2011-08-04T19:49:12+08:00</lastmod></url><url><loc>https://mpf.hk/en/early-mpf-access-then-what-funds-retirement-siloed-bureaus-risk-a-mess/</loc><lastmod>2011-08-04T19:46:54+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-to-choose-the-best-mpf-fund-in-hong-kong-emerging-asia-when-young-20-80-near-retirement/</loc><lastmod>2011-08-04T19:32:16+08:00</lastmod></url><url><loc>https://mpf.hk/en/do-summer-interns-pay-mpf-yes-once-employed-60-days/</loc><lastmod>2011-08-04T19:24:56+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-performance-in-july-average-return-just-0-18-bond-funds-beat-equity-funds/</loc><lastmod>2011-08-04T19:17:16+08:00</lastmod></url><url><loc>https://mpf.hk/en/compassionate-withdrawal-welcome-but-relax-with-care-early-access-betrays-mpfs-purpose/</loc><lastmod>2011-08-04T03:29:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-must-not-lose-its-way-deliver-semi-portability-first-talk-full-portability-later/</loc><lastmod>2011-08-04T03:28:44+08:00</lastmod></url><url><loc>https://mpf.hk/en/axa-expects-semi-portability-by-mid-next-year-mpf-fees-still-have-room-to-fall/</loc><lastmod>2011-08-04T03:22:51+08:00</lastmod></url><url><loc>https://mpf.hk/en/lawmakers-push-universal-pension-as-ministers-defend-hoarding-reserves/</loc><lastmod>2011-02-14T16:28:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-semi-portability-may-launch-next-year-with-fees-set-to-fall/</loc><lastmod>2011-04-06T08:32:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/groups-slam-donald-tsang-for-ignoring-retirement-protection-demand-50b-seed-fund/</loc><lastmod>2011-05-26T01:59:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-withdrawal-methods-under-review-lump-sum-phased-and-annuity-all-on-the-table/</loc><lastmod>2011-07-14T17:11:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mercer-warns-hong-kong-mpf-policy-needs-urgent-overhaul-a-lump-sum-at-65-may-not-be-enough/</loc><lastmod>2010-10-26T05:38:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-limits-apply-to-mpf-fund-investments-no-single-security-bets/</loc><lastmod>2011-07-07T09:54:09+08:00</lastmod></url><url><loc>https://mpf.hk/en/6000-mpf-injection-faq-only-at-65-orso-members-need-a-separate-account/</loc><lastmod>2011-02-24T05:31:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/restaurant-employer-ordered-to-pay-over-300000-in-mpf-arrears/</loc><lastmod>2011-03-30T16:55:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/should-mpf-members-link-retirement-investments-to-personal-investments-fund-houses-weigh-in/</loc><lastmod>2011-05-07T01:11:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/hong-kong-equity-mpf-funds-all-in-the-red-last-month-yet-some-tripled-long-term/</loc><lastmod>2011-07-01T20:51:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/dont-mix-mpf-with-your-personal-investments-stop-chasing-the-market/</loc><lastmod>2010-12-24T07:14:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-much-do-you-know-about-mpf-fund-fees-the-gap-between-1-5-and-0-5-is-bigger-than-you-think/</loc><lastmod>2010-10-22T05:29:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/convoy-urges-more-emerging-market-mpf-fund-choices-asia-first/</loc><lastmod>2011-01-04T15:49:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-offender-blacklist-goes-online-next-year-starting-with-4000-cases/</loc><lastmod>2010-12-22T07:10:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/james-tien-allow-slightly-earlier-mpf-access-but-guard-the-compassionate-gate/</loc><lastmod>2011-07-26T20:13:24+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-does-mpf-offset-severance-pay-only-the-employers-contributions-can-be-used/</loc><lastmod>2011-04-28T01:54:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/hsbc-launches-mpf-self-select-plan-9-funds-fees-0-79-0-99/</loc><lastmod>2011-04-12T19:32:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/can-you-day-trade-your-mpf-forward-pricing-means-you-cant/</loc><lastmod>2011-07-07T21:19:40+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-injection-swapped-for-6000-handout-the-original-plan-was-unpopular/</loc><lastmod>2011-03-10T15:51:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-contribution-cap-rise-to-25000-faces-fierce-sme-resistance/</loc><lastmod>2011-07-26T19:48:14+08:00</lastmod></url><url><loc>https://mpf.hk/en/democrats-march-in-the-rain-spend-50-billion-on-universal-retirement-protection/</loc><lastmod>2011-03-20T16:31:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/democrats-slam-budget-as-awash-with-cash-yet-blind-to-grassroots-poverty/</loc><lastmod>2011-02-24T05:32:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/dad-is-65-and-wants-the-most-aggressive-fund-bonds-plus-interest-fund-is-the-right-answer/</loc><lastmod>2011-06-15T06:40:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/exemption-threshold-raised-to-5500-even-low-income-workers-must-join-mpf/</loc><lastmod>2011-02-21T17:00:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/budget-u-turn-6000-cash-handout-replaces-mpf-injection/</loc><lastmod>2011-03-07T15:44:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/hk-mpfs-gain-1-4-in-h1-2011/</loc><lastmod>2011-07-07T21:13:22+08:00</lastmod></url><url><loc>https://mpf.hk/en/job-hoppers-can-choose-their-own-mpf-scheme/</loc><lastmod>2011-02-02T06:19:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/public-fury-erupts-over-an-unjust-mpf/</loc><lastmod>2011-03-04T04:15:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/retirees-can-grow-the-pie-with-their-mpf/</loc><lastmod>2011-07-21T19:26:58+08:00</lastmod></url><url><loc>https://mpf.hk/en/name-and-shame-list-for-mpf-defaulter-employers-planned/</loc><lastmod>2010-10-18T05:22:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-funds-vs-ordinary-funds-2/</loc><lastmod>2010-10-26T05:40:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/legco-passes-rise-in-mpf-minimum-income-level-to-6500/</loc><lastmod>2011-07-04T10:27:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/empower-employees-to-make-right-choices/</loc><lastmod>2011-06-13T06:23:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/legco-urges-full-mpf-review-high-fees-defaulting-employers/</loc><lastmod>2010-12-06T06:39:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/lipper-mpf-equity-funds-lagged-bonds-on-average-in-h1/</loc><lastmod>2011-07-07T21:16:50+08:00</lastmod></url><url><loc>https://mpf.hk/en/industry-schemes-contributions-due-even-under-60-days-employment/</loc><lastmod>2011-04-26T02:48:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/university-mpf-scheme-switching-takes-effect-1-april/</loc><lastmod>2011-01-30T06:16:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-tax-tips-deduction-caps-on-taxable-income/</loc><lastmod>2011-05-14T23:23:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/learn-mpf-investing-and-win-prizes/</loc><lastmod>2010-11-24T06:07:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/lipper-fund-awards-value-partners-named-best-equity-group/</loc><lastmod>2011-03-11T16:03:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/hsbcs-mpf-choice-plan-debuts-with-hang-seng-h-share-index-fund/</loc><lastmod>2010-12-09T06:47:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-can-offset-severance-or-long-service-payments/</loc><lastmod>2011-05-03T10:22:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-offsets-severance-pay-unions-demand-end-to-offsetting/</loc><lastmod>2011-01-10T05:48:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/bea-cuts-mpf-fees-conservative-fund-fee-down-34/</loc><lastmod>2011-05-19T01:11:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/nobody-wants-mpf-managers-skimming-fat-fees/</loc><lastmod>2011-06-27T06:49:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-semi-portability-eyes-next-year-as-intermediary-regulation-goes-to-legco/</loc><lastmod>2011-03-27T16:43:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-loses-1-5-in-june-as-hong-kong-equity-funds-sink/</loc><lastmod>2011-07-13T00:34:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/retirement-systems-around-the-world/</loc><lastmod>2011-03-18T16:18:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/spotlight-40-back-scrapping-the-mpf/</loc><lastmod>2011-01-08T16:16:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/security-firm-fined-81000-for-mpf-offences/</loc><lastmod>2011-07-14T20:42:52+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-intermediaries-face-legislation-semi-portability-deferred/</loc><lastmod>2010-10-18T05:17:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/preparing-for-the-employee-choice-arrangement-hr-should-review-mpf-providers-now/</loc><lastmod>2011-01-14T05:57:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfa-recovers-91000-mpf-arrears-from-4-employers/</loc><lastmod>2011-07-24T19:28:18+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-know-how-investing-through-fast-changing-markets/</loc><lastmod>2011-07-18T19:55:57+08:00</lastmod></url><url><loc>https://mpf.hk/en/employer-ordered-to-pay-28-staff-76000-in-mpf-arrears/</loc><lastmod>2010-11-14T05:54:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/encouraging-low-earners-to-save-mpf-exemption-threshold-sparks-debate/</loc><lastmod>2011-02-24T05:33:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-floor-raised-to-6500-legislators-push-for-universal-pension/</loc><lastmod>2011-07-01T16:39:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/switching-mpf-providers-dont-look-at-fees-alone/</loc><lastmod>2010-11-03T05:43:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-is-an-ibond-an-inflation-linked-bond/</loc><lastmod>2011-07-13T20:04:03+08:00</lastmod></url><url><loc>https://mpf.hk/en/hong-kongs-three-pillar-retirement-protection/</loc><lastmod>2011-03-07T15:42:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-free-walk-choosing-your-provider/</loc><lastmod>2011-07-13T10:10:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-income-floor-set-to-rise-minimum-wage-workers-may-be-forced-to-contribute/</loc><lastmod>2011-03-31T16:56:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/oriental-poll-mpf-compassionate-scheme-neither-fish-nor-fowl/</loc><lastmod>2011-08-03T20:10:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fees-drop-10-in-past-three-years-fer-set-to-decline-mpfa-2/</loc><lastmod>2011-07-02T22:30:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/the-direction-of-mpf-development/</loc><lastmod>2011-08-02T19:19:18+08:00</lastmod></url><url><loc>https://mpf.hk/en/financial-advisers-must-look-north-as-banks-monopolise-hong-kong/</loc><lastmod>2011-03-07T15:41:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/towers-watson-how-should-the-mpf-system-be-improved/</loc><lastmod>2011-05-04T00:39:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/is-the-mpf-becoming-a-community-care-fund/</loc><lastmod>2011-07-25T21:18:42+08:00</lastmod></url><url><loc>https://mpf.hk/en/new-entrepreneur-how-to-calculate-your-first-mpf-contribution/</loc><lastmod>2011-06-27T19:15:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/financial-secretary-meets-pro-establishment-camp-finally-bends-on-budget/</loc><lastmod>2011-03-02T04:10:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-compassionate-scheme-early-withdrawal-for-homes-illness-study/</loc><lastmod>2011-07-21T19:33:52+08:00</lastmod></url><url><loc>https://mpf.hk/en/hong-kong-mpf-the-three-scheme-types/</loc><lastmod>2010-12-17T07:02:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-life-decide-prudently-episode-4-handling-mpf-when-changing-jobs/</loc><lastmod>2010-11-21T06:05:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/groups-demand-mpf-income-floor-raised-to-6500/</loc><lastmod>2011-04-25T02:53:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/budget-u-turn-looms-why-the-6000-mpf-injection-united-both-camps-against-the-government/</loc><lastmod>2011-03-02T04:09:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-withdrawal-age-false-permanent-departure-claims-surge/</loc><lastmod>2011-07-25T21:03:30+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-comparison-fees-fund-choice-and-trustee-service-the-three-things-to-compare/</loc><lastmod>2011-04-30T01:45:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/should-mpf-allow-early-withdrawal-any-relaxation-must-be-strict/</loc><lastmod>2011-07-22T19:51:03+08:00</lastmod></url><url><loc>https://mpf.hk/en/hsbc-launches-low-fee-mpf-scheme-with-index-funds-tracking-h-shares/</loc><lastmod>2010-12-01T06:19:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-to-check-your-employer-is-paying-your-mpf-three-months-of-records-at-your-fingertips/</loc><lastmod>2010-12-12T06:55:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-mpfs-average-return-cant-tell-you-whos-winning-or-losing/</loc><lastmod>2011-04-14T23:46:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/changed-jobs-dont-ignore-your-mpf-preserved-accounts-three-things-to-check-before-consolidating/</loc><lastmod>2011-02-13T06:33:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/do-domestic-helpers-need-mpf-it-depends-who-employs-them/</loc><lastmod>2011-04-26T02:36:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfs-ten-year-report-card-5-5-annualised-return-beats-inflation-but-fees-eat-the-gains-critics-say/</loc><lastmod>2011-04-28T01:44:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/three-things-mpf-teaches-us-accumulate-avoid-big-mistakes-stay-consistent/</loc><lastmod>2011-02-24T05:30:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/the-mpf-journey-in-six-decisions-a-first-step-that-neednt-hurt/</loc><lastmod>2011-04-30T01:57:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/do-company-directors-need-mpf-executive-vs-non-executive-makes-the-difference/</loc><lastmod>2010-12-14T06:59:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-semi-portability-delayed-again-legislation-slips-another-session/</loc><lastmod>2011-07-16T21:10:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/h1-2011-mpf-returns-flat-as-hong-kong-equity-funds-lose-3-3-bonds-shine/</loc><lastmod>2011-07-05T02:50:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/fund-industry-pushes-to-loosen-mpf-investment-limits-regulator-says-not-yet/</loc><lastmod>2011-07-11T00:21:47+08:00</lastmod></url><url><loc>https://mpf.hk/en/should-universal-retirement-protection-replace-mpf-run-the-cost-benefit-first/</loc><lastmod>2011-06-06T21:27:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-is-a-target-return-fund-mpfs-conservative-absolute-return-option/</loc><lastmod>2011-07-06T20:39:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-semi-portability-delayed-again-as-early-withdrawal-plea-rejected/</loc><lastmod>2011-07-20T07:19:04+08:00</lastmod></url><url><loc>https://mpf.hk/en/francis-luis-retirement-formula-300x-monthly-spending-4-real-return-worry-free-retirement/</loc><lastmod>2011-06-14T17:30:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/dont-dawdle-how-3-5-million-mpf-preserved-accounts-drag-you-down/</loc><lastmod>2011-07-01T00:31:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/anna-wu-mpf-fees-have-room-to-fall-independent-study-of-admin-costs-commissioned/</loc><lastmod>2011-07-21T10:25:25+08:00</lastmod></url><url><loc>https://mpf.hk/en/management-executive-and-dental-clinic-fined-36000-for-mpf-defaults/</loc><lastmod>2010-11-17T05:59:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/reforming-mpf-cut-intermediary-fees-allow-early-withdrawal-learn-from-singapores-cpf/</loc><lastmod>2011-07-12T21:09:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/look-before-leaping-on-universal-retirement-protection-2500-a-month-means-25-5-billion-a-year/</loc><lastmod>2011-03-16T16:14:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfs-many-hidden-fees-why-the-fer-is-the-number-to-watch/</loc><lastmod>2011-02-14T06:36:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-to-choose-a-target-date-fund-active-vs-mechanical-are-two-different-animals/</loc><lastmod>2011-07-06T22:26:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/can-universal-retirement-protection-fill-mpfs-gaps-a-look-at-the-three-pillars/</loc><lastmod>2011-02-17T16:33:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-minimum-income-floor-under-review-5000-up-to-5500-or-6500/</loc><lastmod>2011-04-24T08:16:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/property-consultants-oppose-raising-mpf-contribution-ceiling-to-30000-smes-cant-cope/</loc><lastmod>2011-05-21T22:32:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/retirement-trio-mpf-part-2-the-original-sin-of-compulsory-privatisation/</loc><lastmod>2011-03-22T16:36:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/paul-chan-universal-pension-unworkable-outsourced-workers-mpf-protection-needs-follow-up/</loc><lastmod>2010-11-24T06:09:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/anna-wu-on-mpf-reform-fee-cuts-semi-portability-and-a-central-database-three-arrows/</loc><lastmod>2011-03-11T16:02:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-can-mpf-hedge-market-risk-equity-linked-notes-are-no-capital-protection-cure-all/</loc><lastmod>2011-03-08T15:50:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/retail-investors-pile-into-mpf-equity-funds-1-billion-net-inflow-in-april-hk-equity-hottest/</loc><lastmod>2011-07-07T21:45:51+08:00</lastmod></url><url><loc>https://mpf.hk/en/do-summer-interns-need-mpf-only-after-60-days/</loc><lastmod>2011-05-28T00:31:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-posts-1-82-billion-net-inflow-in-september-as-hk-equity-funds-gain-12/</loc><lastmod>2011-06-24T23:16:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-assets-hit-record-365-4-billion-up-17-5-in-a-year/</loc><lastmod>2011-06-16T19:10:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-capital-protected-are-linked-funds-payouts-and-principal-both-hinge-on-the-linked-asset/</loc><lastmod>2010-12-07T06:41:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-records-net-inflow-in-august-as-rebounding-equity-funds-lift-assets/</loc><lastmod>2011-07-02T18:05:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-should-employers-pick-an-mpf-scheme-for-staff-three-factors-to-compare/</loc><lastmod>2011-04-29T02:15:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-management-fees-hit-6-58-billion-a-year-index-funds-offer-low-fees-high-returns/</loc><lastmod>2011-04-19T08:34:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/anna-wu-mpfa-hires-independent-consultant-to-dissect-admin-costs-legislated-fee-caps-the-last-resort/</loc><lastmod>2011-07-21T19:48:37+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-may-allow-emergency-withdrawals-and-annuities-after-65/</loc><lastmod>2011-07-14T16:57:43+08:00</lastmod></url><url><loc>https://mpf.hk/en/scholars-early-mpf-withdrawal-unworkable-portability-more-urgent-than-handouts/</loc><lastmod>2011-08-02T01:08:36+08:00</lastmod></url><url><loc>https://mpf.hk/en/sandwich-generation-under-crushing-pressure-the-75-25-rule-to-protect-your-retirement-nest-egg-2/</loc><lastmod>2011-07-06T22:20:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/budget-ideas-that-arent-handouts-targeted-retirement-protection-what-about-the-hkma-as-trustee-2/</loc><lastmod>2011-01-30T06:17:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfs-decade-just-2-96-a-year-will-semi-portability-cut-fees-10/</loc><lastmod>2011-01-16T06:00:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfa-mulls-public-trustee-to-take-on-19-incumbents-and-force-fee-cuts/</loc><lastmod>2011-07-13T19:43:46+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-providers-line-up-yuan-funds-ahead-of-semi-portability-land-grab-2/</loc><lastmod>2010-11-10T05:52:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/boci-prudential-first-to-rebate-management-fees-for-hk250000-plus-accounts/</loc><lastmod>2011-06-22T19:35:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/empower-hk-employees-to-make-the-right-mpf-choices/</loc><lastmod>2011-07-17T17:22:55+08:00</lastmod></url><url><loc>https://mpf.hk/en/editorial-mpfas-mpf-patch-ups-put-the-cart-before-the-horse/</loc><lastmod>2011-07-26T20:20:20+08:00</lastmod></url><url><loc>https://mpf.hk/en/aia-semi-portability-switching-to-peak-in-2013-60-of-clients-in-target-date-funds/</loc><lastmod>2011-06-10T03:10:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/universal-pension-alliance-video-slams-the-mpfs-failings/</loc><lastmod>2010-10-10T05:14:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/tsang-enhance-the-mpf-rather-than-waste-time-on-the-universal-pension-row/</loc><lastmod>2011-05-21T01:25:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/hsbc-mulls-yuan-denominated-mpf-as-30-want-employers-to-fund-retirement/</loc><lastmod>2011-01-23T06:10:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/the-mpf-needs-a-radical-overhaul-full-portability-is-the-way-out/</loc><lastmod>2011-03-15T16:08:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/poll-retirement-protection-gone-with-the-wind-is-the-mpf-becoming-the-community-care-fund/</loc><lastmod>2011-08-03T20:03:48+08:00</lastmod></url><url><loc>https://mpf.hk/en/retirements-three-pillars-are-short-stilts-groups-tell-legco-set-up-universal-pensions/</loc><lastmod>2010-12-19T07:07:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/minimum-wage-pulls-100000-low-paid-workers-into-mpf-net-firms-to-pass-on-costs/</loc><lastmod>2010-11-17T06:01:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/hsbc-to-launch-new-mpf-scheme-with-fees-as-low-as-1/</loc><lastmod>2010-12-01T06:18:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/life-stages-and-mpf-strategy-the-middle-years-managing-risk-comes-first/</loc><lastmod>2011-07-01T21:00:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/get-clued-up-on-your-mpf-free-mpfa-booklet-shows-you-how/</loc><lastmod>2011-07-05T19:47:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/universal-pensions-wishful-thinking-lion-rock-institute-says-no/</loc><lastmod>2011-04-18T03:50:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/from-elderly-allowances-to-retirement-protection-cross-border-subsidy-is-only-step-one/</loc><lastmod>2010-12-21T07:09:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/axa-mpf-fees-can-fall-further-compassionate-withdrawals-need-clear-definitions/</loc><lastmod>2011-08-03T19:33:23+08:00</lastmod></url><url><loc>https://mpf.hk/en/save-grain-against-famine-children-are-no-retirement-plan/</loc><lastmod>2011-07-05T19:36:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/fidelitys-cheng-voluntary-contributions-supercharge-the-mpf-snowball-start-early/</loc><lastmod>2011-07-06T22:15:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-to-compare-mpf-fund-fees-the-mpfas-fee-platform-can-help/</loc><lastmod>2011-06-06T21:22:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/gain-miles-semi-portability-may-confuse-scheme-switches-take-8-10-weeks/</loc><lastmod>2011-06-15T06:51:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/suspect-your-employer-is-skipping-mpf-contributions-know-how-to-check-and-report/</loc><lastmod>2011-02-08T06:21:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/changing-jobs-three-ways-to-handle-your-accrued-mpf-benefits/</loc><lastmod>2011-01-29T06:13:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-market-watch-handout-u-turn-choice-delayed-q1-fund-gains/</loc><lastmod>2011-05-21T22:39:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/fund-industry-urges-2-5-extra-voluntary-contributions-each-side-academic-says-cut-fees-first/</loc><lastmod>2010-12-05T06:36:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/hsbc-survey-hong-kong-trails-asia-in-financial-planning-at-just-46/</loc><lastmod>2011-06-01T02:10:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/do-bonuses-and-travel-awards-attract-mpf-contributions-cash-vs-kind-is-key/</loc><lastmod>2011-04-26T02:51:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-mpf-funds-work-and-why-the-default-fund-may-not-suit-you/</loc><lastmod>2011-03-17T16:16:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/life-stages-and-mpf-strategy-the-young-years-bold-but-balanced/</loc><lastmod>2011-06-30T19:21:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-intermediaries-10-hours-of-annual-cpd-required-20-on-core-topics/</loc><lastmod>2011-05-07T02:06:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/moving-jobs-transfer-your-mpf-in-three-steps/</loc><lastmod>2011-05-04T02:33:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/broken-safety-net-cant-fix-inequality-group-demands-universal-pensions/</loc><lastmod>2011-01-21T06:05:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/nearing-retirement-mpf-investing-can-still-be-aggressive/</loc><lastmod>2011-08-02T01:03:48+08:00</lastmod></url><url><loc>https://mpf.hk/en/getting-married-soon-consider-mixed-asset-funds/</loc><lastmod>2011-07-15T19:48:18+08:00</lastmod></url><url><loc>https://mpf.hk/en/hk6000-for-new-arrivals-costs-hk109-each-to-administer-lawmakers-balk/</loc><lastmod>2011-07-09T18:47:29+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-101-conservative-vs-guaranteed-funds-one-character-apart-worlds-apart/</loc><lastmod>2010-11-09T05:49:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-investment-limits-protect-members-with-400-plus-funds-to-choose-from/</loc><lastmod>2011-07-18T20:05:52+08:00</lastmod></url><url><loc>https://mpf.hk/en/minimum-wage-in-force-check-your-employer-raised-mpf-contributions/</loc><lastmod>2011-05-26T02:06:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/tsang-enhance-the-mpf-system-instead-of-reopening-the-pension-debate/</loc><lastmod>2011-07-06T02:01:54+08:00</lastmod></url><url><loc>https://mpf.hk/en/experts-voice-concerns-over-mpf-early-withdrawal-plan/</loc><lastmod>2011-07-25T21:09:39+08:00</lastmod></url><url><loc>https://mpf.hk/en/convoy-passive-mpf-management-fees-still-have-room-to-fall/</loc><lastmod>2011-02-11T06:28:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/watchdogs-oversight-halts-mpf-semi-portability-in-its-tracks/</loc><lastmod>2011-02-18T16:52:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/convoy-eyes-10-mpf-market-share-as-mainland-deals-in-the-works/</loc><lastmod>2011-06-15T17:58:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/forgotten-preserved-accounts-workers-hold-1-5-on-average-consolidate-them/</loc><lastmod>2011-07-14T20:14:08+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-must-stay-true-to-its-retirement-purpose-says-academic/</loc><lastmod>2011-08-03T19:28:03+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-mpf-funds-actually-work-explained/</loc><lastmod>2011-03-18T16:20:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/caterers-oppose-raising-mpf-income-ceiling-want-trustees-policed-first/</loc><lastmod>2011-08-02T08:30:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/macau-to-hand-out-mop3000-to-each-permanent-resident/</loc><lastmod>2011-04-21T04:05:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/industry-presses-mpfa-to-name-fee-floor-as-trustees-warn-of-pull-outs/</loc><lastmod>2011-05-04T01:09:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/strong-aussie-dollar-dents-super-returns-as-double-digit-year-slips-away/</loc><lastmod>2011-05-24T08:28:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfa-completes-statutory-review-proposes-lower-income-limit-of-hk5500-upper-of-hk30000/</loc><lastmod>2011-02-16T16:32:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/manulife-plans-two-index-funds-targets-20-mpf-share-by-2014-2/</loc><lastmod>2011-07-06T22:43:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/axa-sets-hk40-billion-target-for-mpf-assets-by-2015/</loc><lastmod>2011-07-08T19:35:08+08:00</lastmod></url><url><loc>https://mpf.hk/en/alliancebernstein-bullish-on-mpf-returns-this-year-sees-assets-tripling-in-a-decade/</loc><lastmod>2011-01-14T05:57:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-beat-inflation-in-the-first-half-property-up-13-mpf-barely-0-01/</loc><lastmod>2011-07-04T21:32:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/job-hopping-dont-let-your-mpf-personal-accounts-pile-up-it-could-shrink-your-retirement/</loc><lastmod>2011-05-31T00:50:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mainland-pensions-rise-10-when-will-hong-kong-get-universal-retirement-protection/</loc><lastmod>2011-01-20T06:04:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/ahead-of-semi-portability-bureau-tables-bill-to-license-mpf-intermediaries/</loc><lastmod>2011-03-29T16:49:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mercer-hong-kong-mpf-index-schroders-tops-the-charts-for-the-quarter-and-the-year/</loc><lastmod>2010-11-30T06:13:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/boci-prudential-little-room-left-for-mpf-fee-cuts-rebates-for-big-accounts-instead/</loc><lastmod>2011-06-21T02:15:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/industry-wants-emerging-market-funds-and-reits-mpfa-refuses-to-relax-volatility-cap/</loc><lastmod>2010-12-26T15:41:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/economist-warns-universal-pension-would-drag-hong-kong-into-fiscal-hell-of-high-taxes/</loc><lastmod>2011-03-14T16:07:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/poll-lists-six-deadly-sins-of-mpf-offsetting-tops-the-hate-list/</loc><lastmod>2011-08-02T01:21:54+08:00</lastmod></url><url><loc>https://mpf.hk/en/compassionate-withdrawal-plan-panned-31-call-it-backwards-mpf-becoming-a-do-everything-fund/</loc><lastmod>2011-08-02T01:19:08+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-by-the-numbers-hk378-2-billion-assets-403-constituent-funds-98-employer-enrolment/</loc><lastmod>2010-11-19T06:02:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/six-flaws-of-the-mpf-system-narrow-coverage-low-contributions-high-fees-weak-returns/</loc><lastmod>2011-02-17T16:34:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/intermediary-rules-not-ready-mpf-semi-portability-delayed/</loc><lastmod>2010-10-01T05:10:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-is-mpf-a-guide-to-hong-kongs-compulsory-retirement-savings-scheme/</loc><lastmod>2011-07-06T03:02:35+08:00</lastmod></url><url><loc>https://mpf.hk/en/universal-pension-cost-fight-supporters-propose-three-way-funding-by-workers-bosses-and-government/</loc><lastmod>2011-06-21T22:54:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/take-15-minutes-to-check-for-bond-funds-rising-rates-mean-falling-bond-prices/</loc><lastmod>2011-03-15T16:08:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-cap-may-rise-to-hk25000-400000-workers-get-a-stealth-hk250-raise/</loc><lastmod>2011-05-04T00:35:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/intermediary-oversight-to-sit-with-mpfa-bill-targeted-for-q4-legco-tabling/</loc><lastmod>2011-08-02T00:27:34+08:00</lastmod></url><url><loc>https://mpf.hk/en/semi-portability-delayed-a-year-workers-to-pay-hk770-million-more-in-fees/</loc><lastmod>2010-10-02T05:11:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/budget-splurges-hk24-billion-hk6000-into-every-mpf-account-locked-until-65/</loc><lastmod>2011-02-26T05:37:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/in-no-rush-at-retirement-keep-your-mpf-in-a-preserved-account-and-let-it-compound/</loc><lastmod>2011-07-25T20:59:13+08:00</lastmod></url><url><loc>https://mpf.hk/en/government-to-legislate-mpf-intermediary-rules-paving-way-for-semi-portability/</loc><lastmod>2011-03-29T16:54:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfs-10-year-annualised-return-hits-5-4-average-account-at-hk150000-voluntary-contributions-at-record/</loc><lastmod>2011-05-20T01:23:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/too-light-on-mpf-defaulters-hk5-million-owed-company-fined-just-hk24000/</loc><lastmod>2010-10-24T17:35:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/budget-government-injects-hk6000-into-every-mpf-account/</loc><lastmod>2011-02-26T04:01:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/relaxing-mpf-withdrawal-limits-a-win-win-for-workers-and-government/</loc><lastmod>2011-07-22T19:45:54+08:00</lastmod></url><url><loc>https://mpf.hk/en/moodys-praises-chinas-growth-resilience-china-and-hong-kong-sovereign-ratings-may-rise/</loc><lastmod>2010-10-09T05:12:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/rebate-war-opens-before-employee-choice-boci-prudential-moves-first-hsbc-ponders-loyalty-scheme/</loc><lastmod>2011-06-21T19:20:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/smart-mpf-eyes-employee-edition-how-much-do-you-need-for-retirement-and-how-to-pick-a-trustee/</loc><lastmod>2011-03-07T15:44:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/hk6000-injection-sparks-fury-pan-democrats-seek-cross-party-pressure-on-government/</loc><lastmod>2011-02-26T05:39:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-at-ten-joy-for-some-gloom-for-others-scrapping-the-system-only-brings-more-problems/</loc><lastmod>2010-12-10T06:49:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-to-invest-your-mpf-buffetts-rule-one-never-lose-money/</loc><lastmod>2011-05-17T01:32:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/government-mpf-income-thresholds-balanced-worker-and-employer-views-ceiling-should-have-been-hk30000/</loc><lastmod>2011-08-02T08:18:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-thresholds-rise-at-both-ends-510000-to-pay-more-neither-side-happy/</loc><lastmod>2011-06-17T04:18:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/two-members-convicted-of-lying-about-permanent-departure-to-withdraw-mpf-early/</loc><lastmod>2010-12-17T07:03:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-thresholds-rise-contributions-may-grow-hk2-billion-a-year-but-voluntary-top-ups-could-shrink/</loc><lastmod>2011-06-24T19:17:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/semi-portability-survey-45-wont-switch-mpf-providers-too-much-hassle/</loc><lastmod>2011-02-24T05:13:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/anna-wu-interview-fighting-for-the-elderly-retirement-cant-rest-on-mpf-alone/</loc><lastmod>2011-07-13T20:09:06+08:00</lastmod></url><url><loc>https://mpf.hk/en/picking-mpf-funds-dont-judge-by-management-fees-alone/</loc><lastmod>2011-05-17T01:21:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/fund-houses-on-semi-portability-fee-war-imminent-workers-are-the-big-winners/</loc><lastmod>2011-05-15T00:01:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-low-must-mpf-fees-go-fund-managers-slammed-as-no-different-from-lehman/</loc><lastmod>2011-05-02T02:31:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-defaulter-blacklist-goes-online-workers-can-check-employers/</loc><lastmod>2011-05-24T02:40:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mercer-hong-kongs-retirement-gap-is-widening-workers-must-save-more-themselves/</loc><lastmod>2011-06-13T04:59:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/convoy-survey-employers-voluntary-mpf-top-ups-rise-to-30-in-talent-war/</loc><lastmod>2011-01-05T15:59:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/suen-wai-man-government-should-strengthen-mpf-on-four-fronts-the-system-itself-is-fine/</loc><lastmod>2010-12-09T06:49:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/uncle-wisdom-says-employers-who-skip-mpf-contributions-risk-prosecution/</loc><lastmod>2011-06-03T02:10:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/retirement-protection-is-a-government-duty-not-welfare-ronny-tong/</loc><lastmod>2010-12-06T06:36:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/hsbc-launches-mpf-choice-plan-with-fees-from-0-79-existing-customers-left-out/</loc><lastmod>2010-12-30T15:45:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfa-launches-defaulting-employer-blacklist-2300-employers-named-over-five-years/</loc><lastmod>2011-05-27T01:02:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/henry-tang-admits-community-care-fund-donations-fall-short-of-hk5-billion-goal/</loc><lastmod>2011-05-06T19:14:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/ibonds-on-sale-today-hk10000-entry-inflation-linked-coupon/</loc><lastmod>2011-07-11T21:34:49+08:00</lastmod></url><url><loc>https://mpf.hk/en/six-decision-points-on-your-mpf-investment-journey/</loc><lastmod>2011-04-30T01:55:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-compassionate-withdrawal-plan-copying-singapore-only-copies-half-the-system/</loc><lastmod>2011-08-03T19:35:01+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-is-a-long-term-investment-but-you-still-need-to-review-your-portfolio/</loc><lastmod>2010-10-17T17:42:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/a-decade-of-mpf-fast-track-the-employee-choice-arrangement-full-portability-is-the-real-cure/</loc><lastmod>2011-05-18T01:13:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/zurich-launches-golden-treasure-retirement-plan-life-critical-illness-and-income-in-one-policy/</loc><lastmod>2011-05-20T01:26:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/manage-your-mpf-consistently-voluntary-contributions-can-double-your-pot/</loc><lastmod>2011-01-10T05:52:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/manufacturers-chief-mpf-needs-reform-singapores-cpf-is-worth-studying/</loc><lastmod>2011-04-15T08:29:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfas-non-compliant-employer-register-goes-online-search-by-br-number-with-advanced-filters/</loc><lastmod>2011-05-27T01:34:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/china-life-overseas-joins-mpf-price-war-with-10-fee-cut-on-balanced-fund/</loc><lastmod>2011-05-31T01:06:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/two-retirement-planning-fallacies-too-conservative-allocation-and-under-budgeted-spending/</loc><lastmod>2011-07-19T20:33:21+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-monthly-and-half-year-performance-how-to-read-fund-return-data/</loc><lastmod>2011-07-01T20:19:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-returned-7-15-in-2010-beating-the-hang-seng-index-average-worker-gained-nearly-hk9000/</loc><lastmod>2011-01-05T15:55:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/who-is-the-mpf-actually-designed-for-forced-saving-or-robbing-the-poor-to-pay-the-rich/</loc><lastmod>2010-12-24T07:12:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/bea-trustees-cuts-management-fees-for-mpf-constituent-funds-2/</loc><lastmod>2011-05-17T01:02:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfa-mulls-non-profit-trustee-charging-cost-price-to-force-mpf-fees-down/</loc><lastmod>2011-07-13T19:56:12+08:00</lastmod></url><url><loc>https://mpf.hk/en/your-annual-benefits-statement-a-report-card-for-your-mpf-performance/</loc><lastmod>2011-04-28T02:03:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/government-mulls-raising-mpf-minimum-income-threshold-again-groups-urge-hk6500/</loc><lastmod>2011-04-21T19:43:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-sharp-eye-picking-mpf-providers-in-the-year-of-the-rabbit-fewer-schemes-pick-professional-management/</loc><lastmod>2011-07-06T21:15:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/defaulting-employer-blacklist-goes-live-500-criminal-convictions-in-five-years/</loc><lastmod>2011-05-26T01:54:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/australia-launches-superannuation-reform-mysuper-to-strip-a2-7-billion-in-fees-a-year/</loc><lastmod>2010-12-16T07:01:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/boci-prudential-launches-mpf-iphone-app-accounts-and-fund-prices-on-the-go/</loc><lastmod>2011-02-18T16:56:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mainland-adviser-urges-fund-tax-reform-deferred-pension-taxation-modelled-on-us-401k/</loc><lastmod>2011-03-06T04:20:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/january-mpf-returns-turn-positive-breaking-three-year-losing-streak-europe-equity-funds-shine/</loc><lastmod>2011-02-08T06:21:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/no-to-universal-retirement-leave-hong-kongs-next-generation-their-happiness/</loc><lastmod>2011-03-08T15:46:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/no-hiding-behind-name-changes-employer-convicted-and-fined-for-dodging-mpf-contributions/</loc><lastmod>2011-05-24T02:38:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/experts-raise-concerns-about-mpf-early-withdrawal-proposal/</loc><lastmod>2011-07-21T19:57:50+08:00</lastmod></url><url><loc>https://mpf.hk/en/budget-injects-hk6000-into-3-million-workers-mpf-accounts-trustees-mull-rebate-perks/</loc><lastmod>2011-02-26T05:40:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/delaying-employee-choice-has-little-impact-jpmorgan-sees-mpf-price-cuts-continuing/</loc><lastmod>2010-12-18T07:06:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/push-employee-choice-now-let-the-money-follow-the-employee-a-ten-year-review/</loc><lastmod>2011-01-02T15:48:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/hong-kong-stocks-pullback-drags-mpf-down-november-average-1-17-japan-equity-funds-defy-with-3/</loc><lastmod>2010-12-04T06:32:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fee-price-war-continues-bank-consortium-trust-to-roll-out-more-index-funds/</loc><lastmod>2011-02-19T16:57:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/union-demands-mpf-offsetting-abolition-hk13-7-billion-clawed-back-over-a-decade/</loc><lastmod>2011-01-20T06:03:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/industry-backs-delayed-employee-choice-launch-legislate-intermediary-rules-first/</loc><lastmod>2010-10-18T05:23:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/fund-management-business-up-18-6-topping-hk10-trillion/</loc><lastmod>2011-07-21T10:24:07+08:00</lastmod></url><url><loc>https://mpf.hk/en/rogue-employer-blacklist-exposed-sing-pao-convicted-three-times-fined-hk215000-tops-repeat-offender-list/</loc><lastmod>2011-05-27T01:39:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/90-of-workers-say-mpf-wont-fund-a-decent-retirement-gone-in-just-over-five-years/</loc><lastmod>2011-03-01T04:05:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-employee-choice-may-launch-next-summer-trustees-say-no-fee-cuts-without-simpler-operations/</loc><lastmod>2010-09-22T17:27:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/equity-mpfs-gain-12-7-in-a-year-ten-year-annualised-return-of-5-7-leads-the-pack/</loc><lastmod>2011-05-20T01:28:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/fighting-inflation-with-your-mpf-switch-to-guaranteed-funds-for-shelter/</loc><lastmod>2011-05-08T20:07:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/au-king-chi-mpf-fees-have-room-to-fall-employee-choice-may-launch-in-next-years-second-half/</loc><lastmod>2011-04-05T09:07:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/anyone-with-an-mpf-account-gets-hk6000-says-john-tsang-kept-accounts-qualify/</loc><lastmod>2011-02-24T05:31:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/legislator-chan-kin-por-on-mpf-income-thresholds-raise-contribution-cap-to-hk30000-in-two-steps/</loc><lastmod>2011-02-26T05:38:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/permanent-departure-a-once-in-a-lifetime-mpf-withdrawal-faking-it-is-illegal/</loc><lastmod>2011-07-07T20:09:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/hong-kong-mpf-mulls-rule-change-for-phased-withdrawals-after-65-legislators-broadly-supportive/</loc><lastmod>2010-12-14T06:58:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/provident-fund-vs-mpf-three-key-differences-you-should-know/</loc><lastmod>2010-12-08T06:47:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/the-5-38-echo-30-year-treasury-yield-at-2007-highs-and-the-duration-bill-landing-on-mpfs-bond-corner/</loc><lastmod>2026-09-23T14:05:23+08:00</lastmod></url><url><loc>https://mpf.hk/en/making-sense-of-mpf-fees-the-five-charge-categories-and-how-to-read-the-fund-expense-ratio/</loc><lastmod>2011-04-01T16:58:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/survey-universal-retirement-protection-more-urgent-than-ever-as-groups-slam-mpf-compassionate-withdrawal-plan/</loc><lastmod>2011-08-03T20:12:28+08:00</lastmod></url><url><loc>https://mpf.hk/en/budget-mpf-injection-sparks-backlash-commentators-urge-full-mpf-reform/</loc><lastmod>2011-03-02T04:07:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/do-summer-job-workers-have-to-contribute-to-mpf-part-timers-obligations-explained/</loc><lastmod>2011-08-02T00:33:15+08:00</lastmod></url><url><loc>https://mpf.hk/en/2010-mpf-returns-review-asia-equity-funds-on-top-us-funds-next/</loc><lastmod>2011-02-17T16:49:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-default-contributions-multiple-firms-fined-over-200000/</loc><lastmod>2011-07-09T19:15:41+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-arrangement-incoming-dont-pick-your-mpf-provider-on-fees-alone/</loc><lastmod>2011-07-06T21:35:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/hsbc-and-hang-seng-lead-mpf-fee-cuts-hang-seng-index-fund-down-40/</loc><lastmod>2011-02-16T16:30:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/alliance-for-universal-pension-rebuts-academics-tripartite-contributions-sustainable-for-decades/</loc><lastmod>2011-04-21T02:27:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/hui-xian-reit-ipo-over-10-billion-in-mpf-money-cleared-to-invest/</loc><lastmod>2011-04-18T02:19:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/retirement-protection-is-not-number-magic-rebutting-the-8700-a-month-mpf-claim/</loc><lastmod>2011-04-28T01:36:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-arrangement-coming-how-to-find-a-competent-mpf-intermediary/</loc><lastmod>2010-10-01T05:10:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/can-you-withdraw-mpf-before-65-mpfa-studies-early-withdrawal-industry-urges-caution/</loc><lastmod>2011-07-22T19:47:50+08:00</lastmod></url><url><loc>https://mpf.hk/en/donald-tsang-universal-retirement-protection-impractical-for-now-improve-mpf-first/</loc><lastmod>2011-05-24T02:16:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/bea-trustees-slashes-mpf-fees-by-30-ahead-of-employee-choice-arrangement/</loc><lastmod>2011-05-18T01:06:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/changing-jobs-three-ways-to-handle-your-mpf-preserved-account/</loc><lastmod>2011-01-30T06:14:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/false-permanent-departure-mpf-claim-fined-12000-two-employers-fined-for-defaults/</loc><lastmod>2011-06-17T23:21:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/can-critical-illness-or-home-purchases-unlock-mpf-early-mpfa-studies-compassionate-withdrawals/</loc><lastmod>2011-07-21T19:21:07+08:00</lastmod></url><url><loc>https://mpf.hk/en/six-mpf-myths-debunked-fidelity-says-small-contributions-still-deserve-attention/</loc><lastmod>2010-11-24T06:08:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/early-mpf-withdrawal-heads-for-year-end-public-consultation-anna-wu-cap-at-50/</loc><lastmod>2011-07-24T00:31:59+08:00</lastmod></url><url><loc>https://mpf.hk/en/hkex-new-data-centre-to-offer-co-location-services/</loc><lastmod>2010-11-21T06:07:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-at-10-2-45-million-members-5-1-annualised-return/</loc><lastmod>2010-12-02T06:21:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/new-party-t-party-opposes-minimum-wage-and-universal-pension-as-market-interference/</loc><lastmod>2011-04-30T01:03:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/retirement-schemes-association-urges-early-employee-choice-arrangement-end-to-mpf-offsetting/</loc><lastmod>2010-12-02T06:26:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/emigrating-permanent-departure-mpf-withdrawal-can-be-used-only-once-in-a-lifetime/</loc><lastmod>2011-06-29T19:23:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/budget-mpf-injection-angers-public-academic-urges-full-reform-to-restore-trust/</loc><lastmod>2011-03-28T16:46:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/industry-wants-mpf-to-access-rmb-products-contribution-cap-rise-to-1500-proposed/</loc><lastmod>2010-12-02T06:23:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/singapores-cpf-life-lump-sum-or-annuity-who-bears-longevity-risk/</loc><lastmod>2010-12-24T15:37:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-is-not-a-sin-five-misunderstandings-behind-the-injection-fiasco/</loc><lastmod>2011-03-10T15:50:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/hsbc-cuts-three-more-mpf-fund-fees-by-20-40-covering-46-billion-in-assets/</loc><lastmod>2011-02-13T06:34:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/dont-fear-the-slump-dollar-cost-averaging-lets-your-mpf-win/</loc><lastmod>2011-07-01T20:39:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfa-recovers-30000-in-default-contributions-for-7-workers-absent-employer-loses-anyway/</loc><lastmod>2011-05-24T02:09:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/hong-kong-equity-mpf-funds-rebound-7-crisis-losses-still-not-recovered/</loc><lastmod>2010-11-03T05:42:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-to-choose-an-mpf-scheme-three-factors-that-matter/</loc><lastmod>2011-01-23T06:08:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/european-debt-crisis-hammers-europe-mpf-funds-2011-focus-shifts-to-asia-equities/</loc><lastmod>2010-12-27T15:41:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/three-myths-about-picking-mpf-funds-big-isnt-best-cheap-isnt-king/</loc><lastmod>2011-05-31T00:59:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/sfc-sets-up-credit-rating-agency-regime-legislative-amendments-expected-in-q1-2011/</loc><lastmod>2010-11-02T05:41:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/community-care-fund-to-pay-6000-to-new-immigrants-230000-to-benefit-no-individual-applications/</loc><lastmod>2011-07-08T20:47:19+08:00</lastmod></url><url><loc>https://mpf.hk/en/answering-raymond-leung-universal-pension-is-no-low-iq-scheme-its-partially-pre-funded/</loc><lastmod>2011-05-13T18:08:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/three-pillars-or-three-short-stumps-retirement-model-sparks-fresh-debate/</loc><lastmod>2011-01-15T05:58:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-nears-adviser-know-what-youre-buying-before-you-switch/</loc><lastmod>2011-06-09T02:00:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/k-c-chan-eca-bill-this-legislative-year-implementation-next-year/</loc><lastmod>2011-03-16T16:09:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/eca-delay-is-better-than-no-eca-learn-to-choose-before-you-switch/</loc><lastmod>2011-07-06T22:04:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-turns-ten-345-7-billion-in-assets-5-1-annualised-return/</loc><lastmod>2010-12-06T06:38:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/early-mpf-withdrawal-for-critical-illness-lawmaker-proposes-20-30-cap/</loc><lastmod>2011-07-24T19:01:28+08:00</lastmod></url><url><loc>https://mpf.hk/en/financial-dispute-resolution-centre-to-open-mid-2012-investor-education-bureau-planned/</loc><lastmod>2010-12-14T07:00:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/march-mpf-returns-0-51-korea-equity-funds-top-at-9/</loc><lastmod>2011-04-07T00:50:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-should-retirement-protection-work-academics-mind-intergenerational-fairness-dont-forget-family/</loc><lastmod>2011-05-11T18:39:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/do-your-homework-before-investing-know-your-risk-tolerance-first/</loc><lastmod>2011-03-28T16:46:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/200000-new-immigrants-to-get-6000-as-community-care-fund-fills-budget-gap/</loc><lastmod>2011-06-22T05:14:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-at-ten-few-cheers-and-what-must-change-next/</loc><lastmod>2011-03-19T16:24:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/index-funds-have-the-most-room-to-cut-mpf-fees-says-convoy/</loc><lastmod>2011-02-12T06:31:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-should-mpf-members-focus-on-for-retirement-planning/</loc><lastmod>2011-05-06T01:14:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-performance-turns-positive-in-january-2011-breaking-three-year-curse/</loc><lastmod>2011-02-10T06:22:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/europes-debt-crisis-flares-again-as-european-mpf-funds-slide-5-in-a-week/</loc><lastmod>2011-03-19T16:27:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/first-half-2011-mpf-performance-ranking-reading-the-best-and-worst-funds/</loc><lastmod>2011-07-01T20:24:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/japan-quake-and-debt-crisis-squeeze-first-half-mpf-returns-to-1-4/</loc><lastmod>2011-07-08T19:28:39+08:00</lastmod></url><url><loc>https://mpf.hk/en/budget-rumour-hk6000-mpf-top-up-for-low-income-earners/</loc><lastmod>2011-02-22T17:02:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/convoy-welcomes-mpf-compassionate-withdrawal-plan-with-caveats/</loc><lastmod>2011-07-24T00:04:55+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-early-withdrawal-on-compassionate-grounds-branded-a-do-everything-fund/</loc><lastmod>2011-07-28T19:26:07+08:00</lastmod></url><url><loc>https://mpf.hk/en/a-reshaping-population-pyramid-what-is-mpfs-answer/</loc><lastmod>2011-07-05T00:24:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-can-hong-kong-enhance-the-mpf-system-industry-players-speak/</loc><lastmod>2011-05-04T00:39:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-compassionate-withdrawal-pleases-no-one-poll-finds/</loc><lastmod>2011-08-03T20:05:06+08:00</lastmod></url><url><loc>https://mpf.hk/en/bea-trustees-cuts-mpf-management-fees-by-up-to-34-from-june/</loc><lastmod>2011-05-17T01:04:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/april-2011-european-equity-funds-lead-a-broad-mpf-rebound/</loc><lastmod>2011-05-17T01:12:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-employee-choice-arrangement-eyed-for-summer-2012/</loc><lastmod>2011-03-29T16:50:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/hkcss-urges-hk30-billion-reserve-for-universal-retirement-protection/</loc><lastmod>2011-02-15T06:37:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/acca-projects-hk75-billion-surplus-proposes-tax-relief-for-mpf-voluntary-contributions/</loc><lastmod>2011-02-17T16:35:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/employer-fined-hk5000-over-mpf-default-contributions/</loc><lastmod>2010-11-11T05:53:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-vs-the-world-how-hong-kong-compares-with-singapore-the-us-and-china/</loc><lastmod>2011-01-22T06:07:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/hong-kong-tightens-mpf-intermediary-rules-ahead-of-semi-portability/</loc><lastmod>2011-03-27T16:44:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/hk24-billion-mpf-injection-good-intentions-poor-oversight/</loc><lastmod>2011-03-05T04:17:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/nearing-retirement-how-to-rebalance-your-mpf-portfolio/</loc><lastmod>2011-07-14T20:17:55+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-mpf-fund-fees-are-charged-two-methods-explained/</loc><lastmod>2011-03-15T16:08:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/community-care-fund-to-pay-new-immigrants-hk6000-single-person-income-cap-eased-to-hk7300/</loc><lastmod>2011-07-01T20:30:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-happens-to-mpf-when-the-account-holder-dies/</loc><lastmod>2011-07-28T19:20:25+08:00</lastmod></url><url><loc>https://mpf.hk/en/hsbc-in-no-hurry-to-cut-mpf-fees-review-due-in-july/</loc><lastmod>2011-06-28T19:44:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-to-choose-an-mpf-scheme-service-choice-and-fees/</loc><lastmod>2011-05-14T19:43:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/keep-the-home-ownership-scheme-let-mpf-help-with-down-payments/</loc><lastmod>2011-07-03T17:22:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-returns-beat-inflation-since-2000-says-k-c-chan/</loc><lastmod>2011-07-18T17:48:43+08:00</lastmod></url><url><loc>https://mpf.hk/en/capital-preservation-funds-renamed-mpf-conservative-funds-from-1-october/</loc><lastmod>2010-11-09T05:48:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-is-mpf-really-worth-to-low-earners-unpicking-five-statistical-tricks/</loc><lastmod>2011-04-28T05:20:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-arrangement-for-mpf-expected-next-year-says-k-c-chan/</loc><lastmod>2011-03-21T16:36:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/boc-prudential-mpf-fees-can-fall-further-but-0-5-unlikely/</loc><lastmod>2011-06-21T19:31:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/part-time-workers-are-covered-by-mpf-too-the-60-day-rule/</loc><lastmod>2011-04-27T02:40:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/hk24000-fine-for-millions-in-mpf-arrears-barrister-urges-tougher-line/</loc><lastmod>2010-10-24T17:36:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/june-swoon-wipes-out-mpfs-first-half-gains/</loc><lastmod>2011-07-01T20:54:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/hong-kong-funds-eye-pension-plan-as-contribution-ceiling-rises/</loc><lastmod>2011-06-21T19:17:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/lawmaker-slams-2-mpf-fees-vs-0-4-in-the-us/</loc><lastmod>2011-02-10T06:23:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/guangdong-raises-minimum-pension-in-small-step-forward/</loc><lastmod>2011-03-10T16:00:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/hong-kong-equities-outpace-the-world-mpf-hong-kong-equity-funds-up-5-2/</loc><lastmod>2011-06-15T02:48:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-consultation-nears-union-demands-details/</loc><lastmod>2011-05-11T20:06:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfa-studies-compassionate-withdrawal-expert-urges-separate-emergency-fund/</loc><lastmod>2011-02-20T16:59:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mainland-pension-funds-and-the-stock-market-should-retirement-money-buy-equities/</loc><lastmod>2011-07-14T04:39:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-beats-the-market-up-3-5-as-hong-kong-stocks-fall-0-5/</loc><lastmod>2011-04-28T01:49:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-is-only-one-pillar-experts-say-all-three-are-needed/</loc><lastmod>2010-12-27T15:42:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfa-launches-its-mpf-fund-fees-comparison-platform/</loc><lastmod>2011-07-19T19:42:52+08:00</lastmod></url><url><loc>https://mpf.hk/en/retirement-savings-survey-nearly-half-of-workers-doubt-they-have-enough/</loc><lastmod>2010-12-01T06:15:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-investment-education-lags-few-workers-know-how-to-pick-funds/</loc><lastmod>2011-05-21T08:00:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-at-ten-results-yes-but-the-gaps-are-bigger/</loc><lastmod>2011-02-13T06:32:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/government-proposes-full-disciplinary-powers-for-mpfa-reprimands-fines-licence-revocation/</loc><lastmod>2011-08-02T00:34:58+08:00</lastmod></url><url><loc>https://mpf.hk/en/near-retirement-can-still-mean-aggressive-use-mpf-as-the-satellite-chase-equity-funds/</loc><lastmod>2011-08-02T08:22:52+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfs-seven-deadly-sins-ftu-slams-offsetting-defaults-and-high-fees/</loc><lastmod>2010-10-25T05:35:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/donald-tsang-universal-retirement-protection-unrealistic-short-term-better-to-improve-mpf/</loc><lastmod>2011-05-26T02:08:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/chow-wing-sun-slams-hardship-scheme-as-ill-timed-scrap-the-consultation-fix-the-system-first/</loc><lastmod>2011-07-25T02:06:25+08:00</lastmod></url><url><loc>https://mpf.hk/en/false-declarations-for-early-mpf-withdrawal-4-convicted-fined-hk24000-8-employers-fined-hk491000/</loc><lastmod>2026-09-23T18:15:49+08:00</lastmod></url><url><loc>https://mpf.hk/en/most-hainan-tourists-skip-travel-accident-insurance-the-lesson-of-19-students-with-no-claim/</loc><lastmod>2026-09-23T18:08:45+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfa-publishes-defaulter-blacklist-for-first-time-3600-conviction-records-online-next-monday/</loc><lastmod>2011-05-21T19:26:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-first-half-return-just-1-4-trailing-inflation-hk2000-per-worker-on-average/</loc><lastmod>2011-07-08T19:16:24+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-may-loosen-early-withdrawals-critical-illness-home-deposits-childrens-overseas-study/</loc><lastmod>2011-07-14T19:45:05+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-law-under-review-phased-withdrawals-after-65-no-more-all-or-nothing/</loc><lastmod>2011-01-05T15:57:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/90-of-hainan-tourists-buy-no-travel-accident-insurance-take-up-shockingly-low/</loc><lastmod>2026-09-23T18:08:45+08:00</lastmod></url><url><loc>https://mpf.hk/en/review-your-mpf-mix-at-least-yearly-dont-guess-markets-follow-life-stages/</loc><lastmod>2011-07-15T19:51:32+08:00</lastmod></url><url><loc>https://mpf.hk/en/summer-travel-insurance-guide-travel-accident-overseas-illness-working-holidays-what-to-buy/</loc><lastmod>2026-09-23T18:08:46+08:00</lastmod></url><url><loc>https://mpf.hk/en/travel-insurance-terms-too-tricky-democrats-propose-labelling-so-cover-is-clear-at-a-glance/</loc><lastmod>2013-08-05T17:29:29+08:00</lastmod></url><url><loc>https://mpf.hk/en/2400-mpf-defaulting-employers-named-next-monday-whats-in-the-blacklist/</loc><lastmod>2011-05-24T02:35:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/read-the-fund-fact-sheet-before-choosing-a-fund-four-sections-to-master/</loc><lastmod>2011-04-29T02:12:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/accidents-keep-happening-so-why-dont-we-buy-insurance-four-mindsets-explained/</loc><lastmod>2026-09-23T18:08:46+08:00</lastmod></url><url><loc>https://mpf.hk/en/travel-insurance-you-never-imagined-altitude-sickness-diving-even-honeymoon-pregnancy/</loc><lastmod>2026-09-23T18:08:47+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-milestones-17-pivotal-moments-on-one-timeline/</loc><lastmod>2011-02-17T16:33:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/legislating-mpf-intermediary-regulation-the-protection-upgrade-behind-the-semi-portability-delay/</loc><lastmod>2011-05-14T23:15:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-to-switch-your-mpf-fund-mix-know-the-two-methods/</loc><lastmod>2011-04-28T02:07:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/chan-ka-keung-aims-for-semi-portability-next-year-intermediary-bill-this-session/</loc><lastmod>2011-03-20T16:29:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-should-employers-choose-an-mpf-scheme-three-factors-beyond-price/</loc><lastmod>2010-11-21T06:06:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-at-ten-legco-demands-full-review-as-lawmakers-slam-fees-eating-contributions/</loc><lastmod>2010-12-04T06:30:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/budget-u-turn-from-mpf-injection-to-cash-handout-plus-tax-rebate-hk62-3-billion-all-in/</loc><lastmod>2011-03-03T04:14:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/hk6000-handout-details-unveiled-registration-from-28-august-in-five-age-groups-elderly-first/</loc><lastmod>2026-09-23T18:08:47+08:00</lastmod></url><url><loc>https://mpf.hk/en/summer-study-tours-abroad-how-to-choose-travel-insurance-know-the-three-types/</loc><lastmod>2026-09-23T18:08:47+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-to-compare-mpf-fund-fees-only-like-for-like-counts/</loc><lastmod>2011-04-29T02:21:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfa-legislate-first-launch-semi-portability-later-no-repeat-of-lehman-mis-selling/</loc><lastmod>2010-10-10T05:13:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/govt-raises-bar-on-mpf-contributions-2/</loc><lastmod>2011-07-17T18:31:48+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-investing-lesson-one-first-know-what-youre-buying/</loc><lastmod>2011-06-01T02:03:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/summer-peak-season-dont-skip-travel-insurance-how-to-choose-right/</loc><lastmod>2013-07-05T22:35:57+08:00</lastmod></url><url><loc>https://mpf.hk/en/consumer-council-a-few-percentage-points-in-mpf-fees-can-halve-40-year-returns/</loc><lastmod>2011-05-21T19:37:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/is-the-mpf-enough-for-retirement-first-know-its-only-one-of-three-pillars/</loc><lastmod>2011-07-11T19:12:06+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-to-do-with-preserved-accounts-essential-reading-for-job-hoppers/</loc><lastmod>2011-07-06T22:11:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfa-to-consult-on-regulating-mpf-intermediaries-by-year-end-unlicensed-selling-to-become-illegal/</loc><lastmod>2010-11-20T06:03:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/employer-skipped-15-mpf-payments-and-pocketed-the-employees-share-davids-story/</loc><lastmod>2010-10-25T05:34:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-hardship-withdrawals-slammed-scholar-warns-of-becoming-a-welfare-fund/</loc><lastmod>2011-08-02T01:23:03+08:00</lastmod></url><url><loc>https://mpf.hk/en/gaineli-this-years-mpf-returns-unlikely-to-match-last-years-keep-strategy-balanced/</loc><lastmod>2011-07-02T18:08:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-minimum-income-rises-to-hk6500-on-1-november-what-workers-employers-and-self-employed-must-do/</loc><lastmod>2011-07-11T19:15:29+08:00</lastmod></url><url><loc>https://mpf.hk/en/dragon-boat-wilderness-health-guide-guard-against-stomach-bugs-heatstroke-allergies-and-falls/</loc><lastmod>2013-06-12T22:47:12+08:00</lastmod></url><url><loc>https://mpf.hk/en/pro-establishment-bloc-seeks-meeting-with-john-tsang-four-budget-grievances/</loc><lastmod>2011-02-26T03:58:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/dragon-boat-holiday-travel-buy-travel-insurance-and-know-the-two-policy-types/</loc><lastmod>2026-09-23T18:08:48+08:00</lastmod></url><url><loc>https://mpf.hk/en/the-power-of-compounding-the-earlier-you-start-the-bigger-the-snowball/</loc><lastmod>2011-06-29T19:17:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/budgets-hk6000-mpf-injection-sparks-backlash-civic-group-demands-cash-instead/</loc><lastmod>2011-03-02T04:07:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-at-ten-beating-inflation-but-three-old-problems-remain/</loc><lastmod>2010-12-10T06:51:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/accident-insurance-doesnt-cover-everything-know-the-three-coverage-bands-before-you-travel/</loc><lastmod>2013-05-30T17:34:29+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-contribution-income-bands-raised-at-both-ends-337000-exempt-510000-to-pay-more/</loc><lastmod>2011-06-15T17:35:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-semi-portability-delayed-to-2012-a-year-late-a-year-to-prepare/</loc><lastmod>2010-12-25T07:18:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/manulife-plans-seven-new-target-date-mpf-funds-by-year-end/</loc><lastmod>2010-11-10T05:50:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-first-half-return-just-1-4-trails-inflation-experts-stay-long-stay-in-asia-equities/</loc><lastmod>2011-07-26T03:50:52+08:00</lastmod></url><url><loc>https://mpf.hk/en/calls-mount-to-reform-mpf-fees-too-high-money-too-hard-to-touch-mpfa-plans-two-pronged-fee-squeeze/</loc><lastmod>2011-07-12T21:09:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-at-ten-anna-wu-says-fees-must-fall-hong-kong-vs-singapore-compared/</loc><lastmod>2010-12-15T07:01:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/three-tips-for-picking-the-right-plan-ahead-of-the-employee-choice-arrangement/</loc><lastmod>2011-06-20T21:35:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/will-the-employee-choice-arrangement-stall-more-choice-may-not-mean-lower-fees/</loc><lastmod>2011-03-23T16:39:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/do-company-directors-have-to-join-mpf-executive-vs-non-executive-makes-all-the-difference/</loc><lastmod>2011-04-27T02:04:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/a-decade-of-thin-returns-mpf-needs-reform-portable-individual-accounts-are-the-way-out/</loc><lastmod>2011-07-06T02:11:21+08:00</lastmod></url><url><loc>https://mpf.hk/en/new-immigrants-left-out-of-hk6000-handout-tsang-tops-up-community-care-fund-cash-no-earlier-than-june/</loc><lastmod>2011-03-07T15:41:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/budget-u-turn-no-mpf-injection-hk6000-cash-for-all-permanent-residents-18/</loc><lastmod>2011-03-02T04:11:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/small-change-big-fortune-skip-the-daily-coffee-save-hk20-a-day-worth-hk500000-in-30-years/</loc><lastmod>2011-07-01T00:17:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/axa-launches-two-new-mpf-schemes-equity-fund-fees-unified-at-1-9/</loc><lastmod>2011-01-27T06:11:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-much-notice-must-mpf-trustees-give-before-changing-documents-one-month-for-sales-literature/</loc><lastmod>2011-05-14T23:17:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/budget-mpf-injection-plan-who-benefited-when-were-details-due/</loc><lastmod>2011-02-26T05:43:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/200-march-for-universal-retirement-protection-demand-hk50bn-seed-fund/</loc><lastmod>2011-03-20T16:32:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/is-mpf-alone-enough-for-retirement-a-30-year-old-gets-hk2-3m-she-needs-hk8-35m/</loc><lastmod>2010-12-12T06:54:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mark-ray-mpf-fees-can-fall-further-match-harvards-0-3/</loc><lastmod>2011-03-11T16:04:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/should-renminbi-funds-join-mpf-on-the-eve-of-the-offshore-rmb-bond-boom/</loc><lastmod>2011-08-02T00:24:15+08:00</lastmod></url><url><loc>https://mpf.hk/en/equity-funds-are-high-risk-not-for-short-term-trading-at-least-70-in-stocks/</loc><lastmod>2011-04-30T01:48:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/manulife-eyes-20-mpf-market-share-within-3-years-h1-returns-near-zero/</loc><lastmod>2011-07-06T06:36:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/semi-portability-shelved-mpfa-turns-to-legislating-30000-intermediaries-instead/</loc><lastmod>2011-03-23T16:40:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/kp-cheng-understand-mpf-properly-three-pillars-not-one-28-will-be-elderly-by-2039/</loc><lastmod>2011-07-09T18:33:49+08:00</lastmod></url><url><loc>https://mpf.hk/en/kp-cheng-mpf-is-long-term-miss-the-5-best-days-and-you-lose-half-your-return/</loc><lastmod>2011-07-06T21:30:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/kp-cheng-semi-portability-systems-not-ready-fee-cuts-limited-per-account-charging-may-replace-asset-based-fees/</loc><lastmod>2010-11-16T05:55:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/may-day-travel-peak-travel-insurance-interest-heats-up-the-agencys-policy-doesnt-cover-you/</loc><lastmod>2013-04-16T18:14:13+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-average-annual-return-5-4-equity-funds-7-4-expense-ratio-down-to-1-82/</loc><lastmod>2011-06-28T19:32:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/semi-portability-after-many-jobs-all-your-personal-accounts-can-be-merged/</loc><lastmod>2010-12-25T07:14:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/joseph-li-dont-keep-switching-mpf-funds-aggressive-at-20-defensive-at-55-the-3-5-years-before-retirement-are-critical/</loc><lastmod>2011-06-26T18:11:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/give-staff-more-mpf-choice-a-win-win-morale-up-belonging-stronger/</loc><lastmod>2011-04-29T02:18:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mok-tai-kei-universal-pensions-are-sustainable-canadas-model-runs-50-years-unchanged/</loc><lastmod>2011-06-17T04:55:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/half-of-workers-cant-identify-their-mpf-personal-accounts-convoy-urges-simpler-consolidation/</loc><lastmod>2011-01-06T16:01:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/business-opposes-raising-mpf-contribution-ceiling-adding-insult-to-injury-semi-portability-eyes-h2-next-year/</loc><lastmod>2011-08-02T00:25:48+08:00</lastmod></url><url><loc>https://mpf.hk/en/100-march-for-universal-retirement-protection-again-demanding-hk50bn-seed-fund/</loc><lastmod>2011-03-15T04:22:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/professor-kim-diversify-retirement-protection-mpf-is-just-one-of-five-pillars/</loc><lastmod>2011-04-24T08:38:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/gain-miles-balanced-mpf-strategy-for-2011-9-year-average-return-2-94/</loc><lastmod>2011-07-02T18:13:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-fund-switching-gets-much-faster-from-5-days-to-same-day-trading-till-6pm/</loc><lastmod>2011-04-14T08:46:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-intermediary-regulation-bill-next-year-principal-intermediary-concept-licence-revocation-for-serious-breaches/</loc><lastmod>2011-04-05T08:57:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/bea-cuts-3-mpf-fund-fees-by-over-30-conservative-fund-down-from-1-20-to-0-79/</loc><lastmod>2011-05-18T01:10:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/semi-portability-to-launch-in-h2-next-year-intermediaries-legislated-unregistered-selling-a-criminal-offence/</loc><lastmod>2011-03-29T16:52:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-contribution-ceiling-may-rise-to-hk25000-400000-workers-and-employers-each-pay-up-to-hk250-more/</loc><lastmod>2011-05-02T02:24:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/chow-wing-sun-average-mpf-savings-just-hk200000-not-enough-for-retirement-scrap-the-compassionate-withdrawal-consultation/</loc><lastmod>2011-07-25T20:42:48+08:00</lastmod></url><url><loc>https://mpf.hk/en/false-permanent-departure-claim-to-grab-mpf-hk6000-fine-two-employers-fined-hk142000-for-missing-contributions/</loc><lastmod>2010-12-04T06:29:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/lion-rock-institute-why-must-retirement-protection-be-universal-better-to-help-the-neediest-third/</loc><lastmod>2011-05-08T20:11:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/donald-tsang-mpf-needs-20-more-years-to-show-results-be-patient/</loc><lastmod>2011-01-15T05:59:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/joseph-li-your-mpf-annual-check-up-5-keys-to-reading-your-annual-benefit-statement/</loc><lastmod>2011-02-15T06:37:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-firms-shun-fee-cuts-bet-on-more-choice-to-keep-clients-hsbc-launches-4-new-funds/</loc><lastmod>2010-11-10T05:51:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfs-10-year-average-return-5-5-equity-funds-up-75-4-members-earned-hk34861-each/</loc><lastmod>2011-04-21T05:53:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/beat-the-sell-in-may-slump-with-mpf-dont-switch-constantly-dollar-cost-averaging-buys-the-dips/</loc><lastmod>2011-07-01T23:17:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/fernando-cheung-rebuts-francis-lui-universal-pensions-arent-just-pay-as-you-go-they-can-run-50-years/</loc><lastmod>2011-01-17T06:01:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-plunges-5-73-in-may-average-loss-hk7361-even-20-of-conservative-funds-in-the-red/</loc><lastmod>2011-06-02T02:13:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfa-proposes-raising-mpf-floor-to-hk5500-ceiling-to-hk30000-in-stages/</loc><lastmod>2011-02-17T16:36:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/before-claiming-your-mpf-at-65-count-your-accounts-first/</loc><lastmod>2011-04-26T02:58:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/ten-years-of-mpf-less-a-celebration-more-a-call-for-reform/</loc><lastmod>2011-01-12T05:55:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/fidelity-mpf-a-full-range-for-every-life-stage/</loc><lastmod>2011-06-06T21:10:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/4000-delinquent-employers-to-be-named-online-from-q2-next-year/</loc><lastmod>2010-12-20T07:08:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/star-mpf-funds-high-returns-come-with-high-volatility/</loc><lastmod>2011-04-02T16:58:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-thresholds-raised-in-two-stages-floor-hk6500-ceiling-hk25000/</loc><lastmod>2011-06-17T23:25:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-to-withdraw-your-mpf-at-65-methods-and-key-notes/</loc><lastmod>2011-06-23T21:18:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-makes-quality-accident-cover-death-disability-dismemberment-burns-and-riot-cover/</loc><lastmod>2013-03-07T17:31:07+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-floor-too-low-minimum-wage-workers-forced-to-contribute/</loc><lastmod>2011-04-16T03:20:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfa-studies-early-mpf-withdrawal-for-serious-illness-phased-payouts-after-65/</loc><lastmod>2011-07-20T07:48:14+08:00</lastmod></url><url><loc>https://mpf.hk/en/hsbc-to-launch-new-choice-mpf-plan-in-q1-nine-funds-from-0-79-fee/</loc><lastmod>2010-12-02T06:22:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/hong-kong-delays-mpf-member-choice-and-only-goes-halfway/</loc><lastmod>2010-12-07T06:40:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-rose-7-15-in-2010-beating-the-hang-seng/</loc><lastmod>2011-01-05T15:56:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/allianz-mpf-fund-directory-pick-the-right-mix-for-your-life-stage/</loc><lastmod>2011-05-06T01:05:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-101-forgotten-old-accounts-cost-you-consolidate-to-save-fees/</loc><lastmod>2011-07-04T23:36:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfa-studies-tough-measures-to-force-fee-cuts-including-legislation-and-a-public-trustee/</loc><lastmod>2011-07-11T18:29:50+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfa-proposes-raising-mpf-floor-to-hk5500-ceiling-to-hk30000-in-stages-2/</loc><lastmod>2026-09-23T18:57:49+08:00</lastmod></url><url><loc>https://mpf.hk/en/hk6000-handout-registration-opens-next-month-banks-open-on-aug-28/</loc><lastmod>2011-06-10T04:05:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/before-claiming-your-mpf-at-65-count-your-accounts-first-2/</loc><lastmod>2026-09-23T18:57:49+08:00</lastmod></url><url><loc>https://mpf.hk/en/thirty-years-of-fighting-over-universal-retirement-protection/</loc><lastmod>2011-06-25T03:11:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/ten-years-of-mpf-less-a-celebration-more-a-call-for-reform-2/</loc><lastmod>2026-09-23T18:57:50+08:00</lastmod></url><url><loc>https://mpf.hk/en/allianz-ceo-mpf-trustees-heading-for-big-consolidation/</loc><lastmod>2010-11-05T05:45:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/fidelity-mpf-a-full-range-for-every-life-stage-2/</loc><lastmod>2026-09-23T18:57:50+08:00</lastmod></url><url><loc>https://mpf.hk/en/4000-delinquent-employers-to-be-named-online-from-q2-next-year-2/</loc><lastmod>2010-12-20T07:08:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/the-ten-sins-of-mpf-unions-list-a-decade-of-failings/</loc><lastmod>2010-12-02T06:25:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/star-mpf-funds-high-returns-come-with-high-volatility-2/</loc><lastmod>2026-09-23T18:57:51+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-thresholds-raised-in-two-stages-floor-hk6500-ceiling-hk25000-2/</loc><lastmod>2011-06-17T23:25:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-to-withdraw-your-mpf-at-65-methods-and-key-notes-2/</loc><lastmod>2011-06-23T21:18:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-makes-quality-accident-cover-death-disability-dismemberment-burns-and-riot-cover-2/</loc><lastmod>2013-03-07T17:31:07+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-floor-too-low-minimum-wage-workers-forced-to-contribute-2/</loc><lastmod>2011-04-16T03:20:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfa-studies-early-mpf-withdrawal-for-serious-illness-phased-payouts-after-65-2/</loc><lastmod>2026-09-23T18:57:51+08:00</lastmod></url><url><loc>https://mpf.hk/en/hsbc-to-launch-new-choice-mpf-plan-in-q1-nine-funds-from-0-79-fee-2/</loc><lastmod>2026-09-23T18:57:51+08:00</lastmod></url><url><loc>https://mpf.hk/en/hong-kong-delays-mpf-member-choice-and-only-goes-halfway-2/</loc><lastmod>2026-09-23T18:57:52+08:00</lastmod></url><url><loc>https://mpf.hk/en/hsbc-and-hang-seng-launch-low-fee-mpf-fee-war-to-continue/</loc><lastmod>2011-02-10T06:23:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-rose-7-15-in-2010-beating-the-hang-seng-2/</loc><lastmod>2026-09-23T18:57:52+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfs-ten-year-annualised-return-5-5-beating-inflation/</loc><lastmod>2011-04-21T19:48:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/allianz-mpf-fund-directory-pick-the-right-mix-for-your-life-stage-2/</loc><lastmod>2026-09-23T18:57:53+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-down-4-in-first-half-average-loss-hk6500-wipes-out-the-hk6000-handout/</loc><lastmod>2011-06-20T21:15:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-101-forgotten-old-accounts-cost-you-consolidate-to-save-fees-2/</loc><lastmod>2026-09-23T18:57:53+08:00</lastmod></url><url><loc>https://mpf.hk/en/fidelity-hongkongers-score-just-54-on-retirement-readiness-a-fail/</loc><lastmod>2011-07-01T00:04:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfa-studies-tough-measures-to-force-fee-cuts-including-legislation-and-a-public-trustee-2/</loc><lastmod>2026-09-23T18:57:54+08:00</lastmod></url><url><loc>https://mpf.hk/en/three-members-and-four-employers-convicted-over-mpf-offences-fines-up-to-hk18000/</loc><lastmod>2011-05-11T19:39:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/hk6000-handout-registration-opens-next-month-banks-open-on-aug-28-2/</loc><lastmod>2011-06-10T04:05:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/ten-years-of-mpf-a-grassroots-workers-decade-of-contributions-earned-one-cent/</loc><lastmod>2010-12-13T06:57:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/thirty-years-of-fighting-over-universal-retirement-protection-2/</loc><lastmod>2011-06-25T03:11:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-contributions-are-tax-deductible-dont-waste-the-allowance/</loc><lastmod>2011-05-17T01:17:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/allianz-ceo-mpf-trustees-heading-for-big-consolidation-2/</loc><lastmod>2026-09-23T18:57:54+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-intermediaries-under-one-industry-four-regulators-20000-must-be-licensed/</loc><lastmod>2011-08-01T18:21:52+08:00</lastmod></url><url><loc>https://mpf.hk/en/the-ten-sins-of-mpf-unions-list-a-decade-of-failings-2/</loc><lastmod>2026-09-23T18:57:55+08:00</lastmod></url><url><loc>https://mpf.hk/en/towers-watson-launches-mpf-comparison-platform-for-employee-choice/</loc><lastmod>2011-03-28T16:48:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/hsbc-and-hang-seng-launch-low-fee-mpf-fee-war-to-continue-2/</loc><lastmod>2026-09-23T18:57:56+08:00</lastmod></url><url><loc>https://mpf.hk/en/ageing-is-coming-are-mpf-fees-really-too-high-look-at-the-data/</loc><lastmod>2010-12-07T06:46:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfs-ten-year-annualised-return-5-5-beating-inflation-2/</loc><lastmod>2026-09-23T18:57:56+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-down-4-in-first-half-average-loss-hk6500-wipes-out-the-hk6000-handout-2/</loc><lastmod>2026-09-23T18:57:57+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-to-register-for-the-hk6000-handout-eligibility-and-steps/</loc><lastmod>2011-06-17T03:03:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/fidelity-hongkongers-score-just-54-on-retirement-readiness-a-fail-2/</loc><lastmod>2026-09-23T18:57:57+08:00</lastmod></url><url><loc>https://mpf.hk/en/ing-urges-mpf-improvements-to-better-protect-workers/</loc><lastmod>2011-08-03T19:31:56+08:00</lastmod></url><url><loc>https://mpf.hk/en/three-members-and-four-employers-convicted-over-mpf-offences-fines-up-to-hk18000-2/</loc><lastmod>2011-05-11T19:39:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-strategy-buy-asia-equities-hk-equity-funds-once-bounced-49/</loc><lastmod>2011-07-12T20:23:24+08:00</lastmod></url><url><loc>https://mpf.hk/en/ten-years-of-mpf-a-grassroots-workers-decade-of-contributions-earned-one-cent-2/</loc><lastmod>2026-09-23T18:57:58+08:00</lastmod></url><url><loc>https://mpf.hk/en/fund-manager-mpf-fee-war-not-over-members-keep-benefiting/</loc><lastmod>2011-02-18T16:55:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-contributions-are-tax-deductible-dont-waste-the-allowance-2/</loc><lastmod>2011-05-17T01:17:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/behind-the-numbers-equity-funds-can-perform-worlds-apart/</loc><lastmod>2011-07-06T21:24:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-intermediaries-under-one-industry-four-regulators-20000-must-be-licensed-2/</loc><lastmod>2011-08-01T18:21:52+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfa-studies-non-profit-trustee-early-withdrawal-for-serious-illness/</loc><lastmod>2011-07-11T19:25:29+08:00</lastmod></url><url><loc>https://mpf.hk/en/towers-watson-launches-mpf-comparison-platform-for-employee-choice-2/</loc><lastmod>2026-09-23T18:57:59+08:00</lastmod></url><url><loc>https://mpf.hk/en/personal-accident-or-travel-insurance-know-the-difference/</loc><lastmod>2012-12-28T17:47:30+08:00</lastmod></url><url><loc>https://mpf.hk/en/ageing-is-coming-are-mpf-fees-really-too-high-look-at-the-data-2/</loc><lastmod>2026-09-23T18:58:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/towers-watson-workers-ignore-their-mpf-engagement-is-low/</loc><lastmod>2011-05-05T02:27:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-to-register-for-the-hk6000-handout-eligibility-and-steps-2/</loc><lastmod>2011-06-17T03:03:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/barclays-wealth-the-rich-lack-self-control-money-doesnt-buy-money-sense/</loc><lastmod>2011-06-15T02:40:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/ing-urges-mpf-improvements-to-better-protect-workers-2/</loc><lastmod>2026-09-23T18:58:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-strategy-buy-asia-equities-hk-equity-funds-once-bounced-49-2/</loc><lastmod>2026-09-23T18:58:01+08:00</lastmod></url><url><loc>https://mpf.hk/en/hsbc-adds-h-share-index-etf-mpf-fund-at-0-9-fee/</loc><lastmod>2010-12-01T06:19:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/fund-manager-mpf-fee-war-not-over-members-keep-benefiting-2/</loc><lastmod>2026-09-23T18:58:02+08:00</lastmod></url><url><loc>https://mpf.hk/en/donald-tsang-fix-mpf-rather-than-build-universal-pensions/</loc><lastmod>2011-05-21T21:42:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/behind-the-numbers-equity-funds-can-perform-worlds-apart-2/</loc><lastmod>2026-09-23T18:58:02+08:00</lastmod></url><url><loc>https://mpf.hk/en/convoy-survey-workers-neglect-preserved-accounts-losing-money-unaware/</loc><lastmod>2011-01-10T05:52:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfa-studies-non-profit-trustee-early-withdrawal-for-serious-illness-2/</loc><lastmod>2011-07-11T19:25:29+08:00</lastmod></url><url><loc>https://mpf.hk/en/travel-insurance-faq-do-flight-delays-and-lost-baggage-pay-out/</loc><lastmod>2012-12-13T20:50:46+08:00</lastmod></url><url><loc>https://mpf.hk/en/personal-accident-or-travel-insurance-know-the-difference-2/</loc><lastmod>2012-12-28T17:47:30+08:00</lastmod></url><url><loc>https://mpf.hk/en/inflation-closes-in-what-can-workers-do/</loc><lastmod>2010-12-10T06:50:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/towers-watson-workers-ignore-their-mpf-engagement-is-low-2/</loc><lastmod>2011-05-05T02:27:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/new-mpf-thresholds-floor-hk6500-ceiling-hk25000-337000-exempted/</loc><lastmod>2011-06-21T02:04:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/barclays-wealth-the-rich-lack-self-control-money-doesnt-buy-money-sense-2/</loc><lastmod>2011-06-15T02:40:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/member-choice-is-coming-do-your-homework-before-switching-schemes/</loc><lastmod>2010-10-18T05:16:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/hsbc-adds-h-share-index-etf-mpf-fund-at-0-9-fee-2/</loc><lastmod>2026-09-23T18:58:03+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-are-travel-insurance-premiums-priced-age-destination-and-cover-decide/</loc><lastmod>2012-12-04T22:13:26+08:00</lastmod></url><url><loc>https://mpf.hk/en/donald-tsang-fix-mpf-rather-than-build-universal-pensions-2/</loc><lastmod>2011-05-21T21:42:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/chow-wing-sun-three-options-for-universal-retirement-protection-hk3000-monthly-allowance-the-most-direct/</loc><lastmod>2011-05-03T21:22:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/convoy-survey-workers-neglect-preserved-accounts-losing-money-unaware-2/</loc><lastmod>2026-09-23T18:58:03+08:00</lastmod></url><url><loc>https://mpf.hk/en/bungee-jump-into-crocodile-river-uninsured-woman-faces-massive-medical-bill/</loc><lastmod>2012-11-22T22:15:21+08:00</lastmod></url><url><loc>https://mpf.hk/en/travel-insurance-faq-do-flight-delays-and-lost-baggage-pay-out-2/</loc><lastmod>2012-12-13T20:50:46+08:00</lastmod></url><url><loc>https://mpf.hk/en/inflation-closes-in-what-can-workers-do-2/</loc><lastmod>2026-09-23T18:58:04+08:00</lastmod></url><url><loc>https://mpf.hk/en/new-mpf-thresholds-floor-hk6500-ceiling-hk25000-337000-exempted-2/</loc><lastmod>2011-06-21T02:04:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/member-choice-is-coming-do-your-homework-before-switching-schemes-2/</loc><lastmod>2026-09-23T18:58:04+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-are-travel-insurance-premiums-priced-age-destination-and-cover-decide-2/</loc><lastmod>2012-12-04T22:13:26+08:00</lastmod></url><url><loc>https://mpf.hk/en/chow-wing-sun-three-options-for-universal-retirement-protection-hk3000-monthly-allowance-the-most-direct-2/</loc><lastmod>2011-05-03T21:22:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/bungee-jump-into-crocodile-river-uninsured-woman-faces-massive-medical-bill-2/</loc><lastmod>2012-11-22T22:15:21+08:00</lastmod></url><url><loc>https://mpf.hk/en/which-mpf-funds-rose-the-most-in-2010/</loc><lastmod>2010-12-30T15:48:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-ten-year-return-hits-33-91-which-funds-led/</loc><lastmod>2011-01-20T06:01:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/when-will-mpf-intermediaries-face-statutory-regulation/</loc><lastmod>2011-04-08T08:52:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-did-unions-press-for-faster-mpf-semi-portability/</loc><lastmod>2010-12-12T06:52:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-was-the-real-purpose-of-the-hk24-billion-mpf-injection/</loc><lastmod>2011-03-05T04:16:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-are-mpf-fund-dealing-prices-determined/</loc><lastmod>2011-06-30T19:37:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/do-i-still-contribute-to-mpf-when-posted-overseas/</loc><lastmod>2011-04-27T02:37:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-did-mothers-march-for-universal-retirement-protection/</loc><lastmod>2011-05-05T01:15:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/did-80-of-workers-want-semi-portability-fast-tracked/</loc><lastmod>2011-01-06T16:00:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-did-scholars-call-the-three-pillar-retirement-policy-outdated/</loc><lastmod>2011-06-06T21:06:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-complaints-marked-mpfs-first-decade/</loc><lastmod>2010-10-25T05:37:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-was-hsbcs-new-mpf-choice-plan/</loc><lastmod>2011-04-28T01:40:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-much-did-the-average-mpf-member-earn-in-2010/</loc><lastmod>2011-01-13T05:56:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-did-ey-propose-helping-low-earners-via-mpf-injection/</loc><lastmod>2011-02-16T16:30:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/at-30-which-mpf-funds-could-target-10-annual-returns/</loc><lastmod>2010-11-25T06:10:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/whats-the-penalty-for-employers-who-skip-mpf-contributions/</loc><lastmod>2010-10-26T17:29:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-was-mpfs-semi-portability-postponed-again/</loc><lastmod>2011-07-17T17:52:54+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-did-mpf-semi-portability-stall-at-the-finish-line/</loc><lastmod>2010-10-01T05:09:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-to-seize-the-switching-opportunity-before-mpf-semi-portability/</loc><lastmod>2011-07-07T01:40:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-did-k-c-chan-say-about-the-semi-portability-timetable/</loc><lastmod>2011-03-17T16:16:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/is-hk100-fair-compensation-for-a-17-hour-flight-delay/</loc><lastmod>2012-09-06T17:31:44+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-was-convoy-positioning-its-mpf-business/</loc><lastmod>2010-11-03T05:43:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-is-dollar-cost-averaging-and-how-does-it-tame-volatility/</loc><lastmod>2011-07-09T19:29:25+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-did-axas-new-mpf-plans-offer/</loc><lastmod>2011-01-26T06:10:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/just-started-working-how-should-i-choose-mpf-funds/</loc><lastmod>2011-04-23T02:28:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-was-new-at-principal-hong-kongs-mpf-business/</loc><lastmod>2011-06-15T02:45:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/did-china-life-slash-mpf-fees-10-to-win-clients/</loc><lastmod>2011-06-03T01:56:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-did-the-universal-retirement-protection-submission-propose/</loc><lastmod>2010-12-24T15:38:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-did-the-mpfas-mpf-life-education-videos-cover/</loc><lastmod>2010-11-21T06:04:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mutual-fund-vs-unit-trust-whats-the-difference/</loc><lastmod>2010-11-09T05:50:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-did-the-government-drop-the-hk6000-mpf-injection/</loc><lastmod>2011-03-03T04:13:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-did-the-government-say-there-was-no-consensus-on-universal-retirement-protection/</loc><lastmod>2011-06-06T21:03:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/did-mpf-beat-the-hang-seng-index-in-2010/</loc><lastmod>2011-01-05T15:59:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-was-mpf-the-wrong-vehicle-for-a-handout/</loc><lastmod>2011-03-10T16:00:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/hsbc-cut-mpf-management-fees-how-many-benefited/</loc><lastmod>2011-02-10T06:22:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-high-would-the-new-mpf-contribution-cap-go/</loc><lastmod>2011-06-19T20:53:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-bring-the-tracker-fund-into-mpf/</loc><lastmod>2011-05-14T20:06:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-did-the-budget-keep-crying-wolf/</loc><lastmod>2011-02-02T06:18:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/when-would-mpf-semi-portability-land-at-the-earliest/</loc><lastmod>2011-03-17T16:13:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/when-can-i-withdraw-my-mpf-what-are-the-early-withdrawal-grounds/</loc><lastmod>2011-07-05T19:36:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/17-hour-delay-hk100-compensation-is-that-fair/</loc><lastmod>2010-10-25T05:36:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-was-the-retirement-system-called-short-stilts/</loc><lastmod>2010-12-05T06:35:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-did-episode-five-of-the-mpfas-education-series-cover/</loc><lastmod>2012-05-24T19:12:28+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-did-american-airlines-sue-google-and-yahoo/</loc><lastmod>2012-05-24T19:08:09+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-did-the-mpfa-promote-mpf-in-2011/</loc><lastmod>2011-02-24T05:29:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/did-australias-pensions-beat-hong-kongs-mpf/</loc><lastmod>2011-07-19T20:12:38+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-should-mpf-returns-be-calculated/</loc><lastmod>2011-04-20T19:45:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/hsbc-still-optimistic-on-mpf-returns/</loc><lastmod>2011-04-14T06:49:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/when-will-mpf-get-capital-guaranteed-funds/</loc><lastmod>2011-01-21T06:06:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-propose-a-universal-retirement-protection-fund/</loc><lastmod>2011-07-12T01:07:23+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-much-can-neglected-preserved-accounts-cost-you/</loc><lastmod>2011-01-04T15:52:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-are-school-study-tours-kept-safe/</loc><lastmod>2012-04-26T18:30:39+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-happened-to-the-2011-budgets-hk6000-mpf-injection/</loc><lastmod>2011-02-24T05:29:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-did-joseph-wong-propose-handing-mpf-to-the-hkma/</loc><lastmod>2010-11-09T05:48:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/are-mpf-guaranteed-funds-really-100-guaranteed/</loc><lastmod>2011-06-21T02:10:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-did-new-immigrants-miss-the-hk200-late-collection-bonus/</loc><lastmod>2011-07-20T07:47:27+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-were-mpf-contribution-levels-adjusted-in-2011/</loc><lastmod>2011-06-16T01:35:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-often-should-mpf-portfolios-be-reviewed/</loc><lastmod>2011-04-30T01:38:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-happens-when-employers-fake-self-employment/</loc><lastmod>2011-04-23T03:01:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-was-convoy-building-its-mpf-back-office/</loc><lastmod>2010-11-05T05:44:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/would-mpf-fees-fall-in-2011/</loc><lastmod>2010-10-25T05:37:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-was-universal-retirement-protection-called-unaffordable/</loc><lastmod>2011-05-04T02:22:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-do-you-know-your-risk-tolerance/</loc><lastmod>2011-04-29T02:25:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/whats-the-penalty-for-faking-permanent-departure-to-withdraw-mpf/</loc><lastmod>2010-12-17T07:02:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/maldives-in-turmoil-what-should-hong-kong-travellers-do/</loc><lastmod>2012-02-09T17:18:34+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-did-fidelity-see-mpfs-coming-challenges/</loc><lastmod>2011-05-14T23:27:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/three-fined-for-false-mpf-statements-how-much/</loc><lastmod>2011-05-04T08:29:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-do-you-know-your-employer-is-paying-your-mpf/</loc><lastmod>2011-03-14T04:21:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-much-were-an-officer-and-employers-fined-for-mpf-defaults-in-2011/</loc><lastmod>2011-03-07T15:43:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-did-democrats-march-for-universal-retirement-protection/</loc><lastmod>2011-03-21T16:35:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-is-universal-retirement-protection-called-intergenerational-redistribution/</loc><lastmod>2011-03-16T16:11:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/hsbc-cut-mpf-fees-is-a-price-war-starting/</loc><lastmod>2011-02-15T06:38:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-call-mpf-a-regressive-tax-and-government-business-collusion/</loc><lastmod>2011-02-27T04:03:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/do-half-of-workers-not-know-their-mpf-account-details/</loc><lastmod>2011-01-11T05:54:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-are-employers-duties-under-the-employee-choice-arrangement/</loc><lastmod>2011-05-28T00:43:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-exclusions-hide-in-home-insurance/</loc><lastmod>2012-01-05T18:22:51+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-do-fewer-than-half-of-hongkongers-have-a-retirement-plan/</loc><lastmod>2011-07-06T20:12:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/three-employers-defaulted-on-24-workers-mpf-what-were-the-fines/</loc><lastmod>2011-01-05T15:57:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-did-gross-think-of-bond-funds-in-2011/</loc><lastmod>2011-03-12T04:20:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-was-hong-kong-property-so-hot-in-2010/</loc><lastmod>2010-11-19T06:03:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-did-the-hk6000-handout-work/</loc><lastmod>2011-02-03T15:36:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-do-mpf-providers-obstruct-switching/</loc><lastmod>2011-06-21T22:39:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-bad-is-hong-kongs-retirement-readiness/</loc><lastmod>2011-07-06T22:37:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-raise-the-mpf-minimum-contribution-floor/</loc><lastmod>2011-02-20T16:58:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-did-axa-say-about-the-contribution-floor-hike/</loc><lastmod>2011-07-19T19:40:35+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-at-ten-success-or-failure/</loc><lastmod>2010-12-10T06:50:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-call-universal-protection-the-mark-of-affluent-societies/</loc><lastmod>2011-05-22T06:11:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-heavy-is-the-penalty-for-faking-departure-to-withdraw-mpf/</loc><lastmod>2010-11-16T05:57:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/whats-wrong-with-mpf-according-to-unions/</loc><lastmod>2011-02-05T06:20:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/are-existing-retirement-schemes-enough/</loc><lastmod>2011-01-20T06:03:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-is-a-reverse-mortgage-and-does-it-suit-the-elderly/</loc><lastmod>2011-07-14T00:22:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-do-women-need-to-save-more-for-retirement/</loc><lastmod>2011-07-06T21:04:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-much-further-can-mpf-fees-fall/</loc><lastmod>2011-04-10T10:05:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-do-manulifes-target-date-funds-adjust-with-age/</loc><lastmod>2011-03-16T16:12:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/must-you-withdraw-all-your-mpf-at-65/</loc><lastmod>2011-07-18T20:37:37+08:00</lastmod></url><url><loc>https://mpf.hk/en/do-index-funds-track-the-market-100/</loc><lastmod>2011-04-28T02:11:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/manulifes-china-value-fund-hit-hk20-what-does-it-mean/</loc><lastmod>2011-06-15T06:45:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-is-sun-life-rainbows-select-personal-account/</loc><lastmod>2011-07-07T20:44:52+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-did-the-mpf-regulation-reform-consultation-conclude/</loc><lastmod>2011-08-01T21:27:27+08:00</lastmod></url><url><loc>https://mpf.hk/en/flight-delayed-9-hours-what-rights-do-passengers-have/</loc><lastmod>2011-11-18T18:22:02+08:00</lastmod></url><url><loc>https://mpf.hk/en/which-mpf-funds-rose-most-in-october-2010/</loc><lastmod>2010-11-05T05:46:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/will-mpf-become-a-care-fund/</loc><lastmod>2011-07-25T20:27:49+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-much-more-would-a-hk30000-contribution-ceiling-cost-workers/</loc><lastmod>2011-02-16T16:29:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-do-groups-say-mpf-forgets-low-income-women/</loc><lastmod>2011-03-06T04:18:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-does-the-mpfa-chase-your-employers-arrears/</loc><lastmod>2011-04-27T01:42:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-did-scholars-urge-scrapping-the-compassionate-withdrawal-consultation/</loc><lastmod>2011-07-27T19:56:12+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-did-axa-say-about-semi-portability-and-fees/</loc><lastmod>2011-08-03T19:46:30+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-does-the-mpf-system-need-reform/</loc><lastmod>2011-07-11T19:05:18+08:00</lastmod></url><url><loc>https://mpf.hk/en/did-mpf-beat-inflation-over-ten-years/</loc><lastmod>2011-06-24T08:36:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-at-ten-right-and-wrong/</loc><lastmod>2010-12-07T06:42:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-should-young-workers-mpf-portfolios-hold/</loc><lastmod>2011-06-27T19:23:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-should-you-consider-when-choosing-mpf-funds/</loc><lastmod>2010-11-21T06:03:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-much-bigger-would-retirement-pots-get-with-a-hk30000-ceiling/</loc><lastmod>2011-02-22T17:01:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/six-employers-chased-for-arrears-how-much-was-recovered/</loc><lastmod>2011-05-24T01:58:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-did-mpf-go-red-in-may-2011/</loc><lastmod>2011-06-14T17:31:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/can-small-balance-accounts-withdraw-mpf-early/</loc><lastmod>2011-04-27T02:14:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-are-mpfs-ten-deadly-sins/</loc><lastmod>2010-12-01T06:15:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-did-chan-yuen-tsang-say-about-raising-the-contribution-ceiling/</loc><lastmod>2011-03-02T04:08:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-was-boci-prudential-using-rebates-to-chase-high-earners/</loc><lastmod>2011-06-22T20:20:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-much-did-mpf-earn-in-the-first-half-of-2011/</loc><lastmod>2011-07-01T20:15:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-did-the-lion-rock-institute-call-mpf-a-heavy-tax/</loc><lastmod>2011-03-05T04:16:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-do-mpf-fees-still-have-room-to-fall/</loc><lastmod>2011-06-28T19:50:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-did-the-industry-think-of-the-employee-choice-arrangement/</loc><lastmod>2011-05-07T01:23:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-was-mpfs-annualised-ten-year-return/</loc><lastmod>2011-04-18T03:50:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-did-bank-consortium-trust-say-about-the-price-war/</loc><lastmod>2011-02-18T16:53:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/is-mpf-free-or-not/</loc><lastmod>2011-04-29T02:45:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/would-a-hk25000-ceiling-mean-a-pay-rise-for-workers/</loc><lastmod>2011-04-29T22:42:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-many-defaulting-employers-were-on-the-mpfa-blacklist/</loc><lastmod>2011-05-24T02:13:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-did-groups-oppose-raising-the-ceiling-to-hk25000/</loc><lastmod>2011-08-02T00:36:03+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-should-compassionate-withdrawals-be-approved/</loc><lastmod>2011-07-25T20:53:41+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-did-wong-tun-king-oppose-raising-the-contribution-ceiling/</loc><lastmod>2011-05-07T02:13:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-can-you-compare-different-funds-performance/</loc><lastmod>2010-11-26T06:10:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-did-hong-kongs-mpf-system-come-about/</loc><lastmod>2011-06-18T04:14:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/which-fund-categories-beat-the-market-in-2010/</loc><lastmod>2010-12-25T07:15:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/should-you-still-mind-risk-when-fighting-inflation/</loc><lastmod>2011-04-29T02:05:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-did-chairman-anna-wu-say-about-fees/</loc><lastmod>2010-12-04T06:30:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/whats-the-penalty-for-not-contributing-to-mpf/</loc><lastmod>2011-03-23T16:37:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-did-the-ceiling-end-up-being/</loc><lastmod>2011-05-13T01:01:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/can-you-time-the-market-with-mpf/</loc><lastmod>2011-07-06T20:50:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-impressive-are-mpfs-ten-year-numbers/</loc><lastmod>2011-02-17T16:34:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-many-levels-of-travel-warnings-are-there/</loc><lastmod>2011-09-06T18:13:17+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-many-tiers-does-hong-kongs-outbound-travel-alert-system-have/</loc><lastmod>2011-09-06T18:09:08+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-did-sun-life-rebut-high-fees-low-returns/</loc><lastmod>2011-03-24T16:39:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/are-hongkongers-ready-for-retirement/</loc><lastmod>2011-07-01T00:07:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-changes-with-the-floor-raised-to-hk6500/</loc><lastmod>2011-07-29T23:46:49+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-did-a-blogger-see-ageing-and-mpf/</loc><lastmod>2010-12-19T07:07:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/cash-handout-or-mpf-injection-which-cost-more/</loc><lastmod>2011-03-02T04:11:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-does-hk6000-become-hk433600/</loc><lastmod>2011-06-15T18:00:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/should-you-switch-your-mpf-mix-mid-2010/</loc><lastmod>2011-07-06T22:34:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-should-a-fresh-graduate-choose-mpf-funds/</loc><lastmod>2011-08-03T19:43:04+08:00</lastmod></url><url><loc>https://mpf.hk/en/does-a-2-admin-fee-eat-40-over-forty-years/</loc><lastmod>2010-12-01T06:14:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-up-5-4-over-ten-years-hk150000-per-person/</loc><lastmod>2011-05-19T01:24:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-should-you-consider-before-buying-travel-insurance/</loc><lastmod>2011-09-01T19:55:45+08:00</lastmod></url><url><loc>https://mpf.hk/en/whats-good-about-fidelitys-special-voluntary-contributions/</loc><lastmod>2011-05-11T19:51:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-benefits-do-mpf-members-get-from-voluntary-contributions/</loc><lastmod>2011-05-06T01:32:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-did-the-professional-commons-respond-to-the-contribution-review/</loc><lastmod>2011-05-11T19:45:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-do-you-handle-a-deceased-persons-mpf/</loc><lastmod>2011-07-17T00:18:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-did-manulife-view-the-semi-portability-delay/</loc><lastmod>2011-02-17T16:35:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-many-years-back-can-you-reclaim-missed-mpf-tax-deductions/</loc><lastmod>2011-05-24T02:44:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-did-both-labour-and-business-oppose-higher-contribution-limits/</loc><lastmod>2011-06-21T02:19:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-did-anna-wu-say-full-portability-needs-a-central-database-first/</loc><lastmod>2011-07-21T19:37:50+08:00</lastmod></url><url><loc>https://mpf.hk/en/when-could-new-immigrants-get-the-hk6000-community-care-fund-payout/</loc><lastmod>2011-06-22T17:44:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-do-you-smartly-choose-travel-insurance/</loc><lastmod>2011-08-31T21:15:16+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-did-markets-fare-in-q1-2011/</loc><lastmod>2011-07-12T17:22:14+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-did-boci-prudential-say-fees-were-hard-to-cut/</loc><lastmod>2011-06-21T16:38:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-are-the-traps-in-investment-immigration-life-policies/</loc><lastmod>2011-08-29T20:35:56+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-did-the-new-forum-take-its-case-to-the-mpfa/</loc><lastmod>2011-05-11T19:33:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-do-you-do-an-mpf-annual-check-up/</loc><lastmod>2011-01-29T06:13:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-could-mpf-hold-up-in-late-2011/</loc><lastmod>2011-07-18T20:14:52+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-was-mpfs-2010-return/</loc><lastmod>2011-01-04T15:51:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-did-all-parties-slam-the-hk6000-mpf-injection/</loc><lastmod>2011-02-27T04:02:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-do-you-protect-yourself-when-an-agency-collapses/</loc><lastmod>2011-08-22T21:13:26+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-do-you-play-fidelitys-tenth-anniversary-challenge/</loc><lastmod>2011-07-06T20:55:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-are-australian-super-funds-widening-their-horizons-in-asia/</loc><lastmod>2010-12-02T06:27:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-do-you-consolidate-mpf-accounts-when-changing-jobs/</loc><lastmod>2011-05-31T00:47:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-do-you-look-up-employers-who-default-on-mpf-contributions/</loc><lastmod>2011-06-17T23:27:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/who-benefits-from-raising-the-minimum-income-threshold/</loc><lastmod>2011-06-19T09:31:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-did-citic-bank-and-manulife-extend-their-bancassurance-partnership/</loc><lastmod>2011-08-17T20:21:51+08:00</lastmod></url><url><loc>https://mpf.hk/en/after-the-wenzhou-train-crash-how-do-you-buy-travel-accident-insurance/</loc><lastmod>2011-08-16T19:34:27+08:00</lastmod></url><url><loc>https://mpf.hk/en/is-mpf-a-losing-investment/</loc><lastmod>2011-06-18T01:29:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-new-leaflets-did-the-mpfa-publish/</loc><lastmod>2011-05-14T22:31:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-did-the-forum-slam-management-fees/</loc><lastmod>2010-12-07T06:43:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-did-the-lion-rock-institute-oppose-universal-retirement-protection/</loc><lastmod>2011-04-15T23:18:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-did-mpf-go-red-in-november-2010/</loc><lastmod>2010-12-05T06:34:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-did-the-mainland-view-mpf-intermediary-regulation/</loc><lastmod>2011-04-30T01:10:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-did-lee-cheuk-yan-back-raising-the-minimum-contribution-threshold/</loc><lastmod>2011-06-16T22:03:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-did-wong-kwan-ming-oppose-raising-the-contribution-ceiling/</loc><lastmod>2011-05-04T02:15:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-is-bank-account-isation-of-mpf/</loc><lastmod>2011-04-09T09:57:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-did-legco-debate-universal-retirement-protection/</loc><lastmod>2011-03-20T16:30:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-are-the-loopholes-in-mpf-offsetting/</loc><lastmod>2011-07-07T18:13:52+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-did-wang-wing-ping-want-the-hkma-to-manage-mpf-for-free/</loc><lastmod>2010-11-08T05:47:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-are-ten-years-of-mpfs-lessons/</loc><lastmod>2011-05-07T01:02:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/a-bloggers-other-angle-on-mpf/</loc><lastmod>2011-02-11T06:27:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-much-was-the-employer-fined-for-defaulting/</loc><lastmod>2011-05-18T01:03:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-was-the-government-accused-of-hiding-retirement-research-data/</loc><lastmod>2011-01-20T06:01:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/who-won-the-asia-asset-management-awards/</loc><lastmod>2011-01-25T06:09:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-do-you-prepare-for-a-semi-portability-switch/</loc><lastmod>2011-07-02T17:52:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-many-are-on-the-defaulting-employer-blacklist/</loc><lastmod>2011-05-21T21:37:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-did-citizens-welcome-the-cash-handout-and-tax-rebate/</loc><lastmod>2011-03-03T04:11:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-much-did-hsbc-cut-fees-by/</loc><lastmod>2011-02-20T16:58:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-are-the-three-common-retirement-myths/</loc><lastmod>2011-07-19T20:29:42+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-can-mpf-beat-inflation/</loc><lastmod>2011-05-11T19:25:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-was-the-mpf-return-in-april-2011/</loc><lastmod>2011-05-06T01:09:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-expensive-are-mpf-fees/</loc><lastmod>2011-04-07T08:43:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-do-you-calculate-your-first-mpf-contribution/</loc><lastmod>2011-06-29T00:13:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-did-the-2011-mpf-contribution-income-limits-change/</loc><lastmod>2011-05-02T02:18:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-is-mpf-voluntary-contribution-svc/</loc><lastmod>2011-05-03T04:04:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-did-insurers-view-the-2011-mpf-intermediary-regulation-plan/</loc><lastmod>2011-05-13T01:43:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-happened-in-the-mpf-market-in-may-2011/</loc><lastmod>2011-05-21T22:48:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-went-wrong-in-mpfs-first-decade/</loc><lastmod>2011-08-02T20:03:57+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-are-the-three-common-retirement-myths-2/</loc><lastmod>2026-09-23T21:23:42+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-did-unions-view-the-2011-mpf-threshold-changes/</loc><lastmod>2011-06-17T02:21:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-can-mpf-beat-inflation-2/</loc><lastmod>2026-09-23T21:23:42+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-was-the-mpf-return-in-april-2011-2/</loc><lastmod>2026-09-23T21:23:41+08:00</lastmod></url><url><loc>https://mpf.hk/en/was-the-2011-mpf-ceiling-rise-a-disguised-pay-rise/</loc><lastmod>2011-05-02T02:25:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-expensive-are-mpf-fees-2/</loc><lastmod>2026-09-23T21:23:41+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-can-voluntary-contributions-fund-your-retirement-dream/</loc><lastmod>2011-07-15T19:53:29+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-do-you-calculate-your-first-mpf-contribution-2/</loc><lastmod>2026-09-23T21:23:41+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-did-hsbc-slash-mpf-fees-in-2011/</loc><lastmod>2011-02-12T06:28:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-did-the-2011-mpf-contribution-income-limits-change-2/</loc><lastmod>2026-09-23T21:23:41+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-should-minibonds-stay-out-of-a-full-portability-mpf/</loc><lastmod>2011-04-13T19:34:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-is-mpf-voluntary-contribution-svc-2/</loc><lastmod>2026-09-23T21:23:40+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-are-the-big-mpf-investing-taboos/</loc><lastmod>2011-07-12T20:29:40+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-did-insurers-view-the-2011-mpf-intermediary-regulation-plan-2/</loc><lastmod>2026-09-23T21:23:40+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-did-k-c-chan-judge-mpfs-first-decade/</loc><lastmod>2010-12-04T06:29:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-happened-in-the-mpf-market-in-may-2011-2/</loc><lastmod>2026-09-23T21:23:40+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-did-new-york-city-push-retirement-security-in-2011/</loc><lastmod>2011-03-10T15:55:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-went-wrong-in-mpfs-first-decade-2/</loc><lastmod>2026-09-23T21:23:40+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-was-the-average-mpf-return-in-2010/</loc><lastmod>2010-12-25T15:39:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-did-unions-view-the-2011-mpf-threshold-changes-2/</loc><lastmod>2026-09-23T21:23:39+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-did-the-mpfa-chase-defaulting-employers-in-2011/</loc><lastmod>2011-05-06T01:12:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/was-the-2011-mpf-ceiling-rise-a-disguised-pay-rise-2/</loc><lastmod>2026-09-23T21:23:39+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-did-the-central-policy-unit-study-retirement-protection/</loc><lastmod>2011-07-24T06:20:44+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-can-voluntary-contributions-fund-your-retirement-dream-2/</loc><lastmod>2026-09-23T21:23:39+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-did-manulife-launch-qfii-retail-funds-in-2010/</loc><lastmod>2010-10-06T05:11:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-did-hsbc-slash-mpf-fees-in-2011-2/</loc><lastmod>2026-09-23T21:23:39+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-did-hsbc-and-hang-seng-cut-mpf-fees-in-2011/</loc><lastmod>2011-06-14T01:51:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-should-minibonds-stay-out-of-a-full-portability-mpf-2/</loc><lastmod>2026-09-23T21:23:39+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-is-sun-life-financial/</loc><lastmod>2011-07-14T18:30:05+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-are-the-big-mpf-investing-taboos-2/</loc><lastmod>2026-09-23T21:23:38+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-would-early-mpf-withdrawals-kill-retirement-protection/</loc><lastmod>2011-07-25T21:24:06+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-did-k-c-chan-judge-mpfs-first-decade-2/</loc><lastmod>2026-09-23T21:23:38+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-did-lawmakers-demand-an-mpf-fee-cap/</loc><lastmod>2010-12-07T06:43:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-did-new-york-city-push-retirement-security-in-2011-2/</loc><lastmod>2026-09-23T21:23:38+08:00</lastmod></url><url><loc>https://mpf.hk/en/are-firms-liable-when-mpf-intermediaries-misbehave/</loc><lastmod>2011-04-06T08:49:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-was-the-average-mpf-return-in-2010-2/</loc><lastmod>2026-09-23T21:23:38+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-do-you-compare-mpf-fees/</loc><lastmod>2011-06-11T01:50:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-did-the-mpfa-chase-defaulting-employers-in-2011-2/</loc><lastmod>2026-09-23T21:23:37+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-did-the-mpfa-recover-hk1355-for-one-worker-in-2011/</loc><lastmod>2011-04-22T02:24:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-did-the-central-policy-unit-study-retirement-protection-2/</loc><lastmod>2026-09-23T21:23:37+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-did-k-c-chan-say-about-mpf-fees/</loc><lastmod>2011-06-23T19:30:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-did-manulife-launch-qfii-retail-funds-in-2010-2/</loc><lastmod>2026-09-23T21:23:37+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-well-do-workers-know-their-own-mpf/</loc><lastmod>2011-04-26T01:08:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-did-hsbc-and-hang-seng-cut-mpf-fees-in-2011-2/</loc><lastmod>2026-09-23T21:23:36+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-is-sun-life-financial-2/</loc><lastmod>2026-09-23T21:23:36+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-can-hong-kongs-mpf-learn-from-singapore/</loc><lastmod>2011-04-06T08:59:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-would-early-mpf-withdrawals-kill-retirement-protection-2/</loc><lastmod>2026-09-23T21:23:36+08:00</lastmod></url><url><loc>https://mpf.hk/en/is-it-bad-to-have-scattered-mpf-accounts/</loc><lastmod>2010-11-17T06:00:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-did-lawmakers-demand-an-mpf-fee-cap-2/</loc><lastmod>2026-09-23T21:23:36+08:00</lastmod></url><url><loc>https://mpf.hk/en/which-mpf-fund-won-the-decade/</loc><lastmod>2011-01-15T05:59:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/are-firms-liable-when-mpf-intermediaries-misbehave-2/</loc><lastmod>2026-09-23T21:23:36+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-was-the-future-trend-for-mpf/</loc><lastmod>2011-07-02T18:11:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-do-you-compare-mpf-fees-2/</loc><lastmod>2026-09-23T21:23:35+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-much-do-fund-management-fees-vary/</loc><lastmod>2010-10-22T05:30:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-did-the-mpfa-recover-hk1355-for-one-worker-in-2011-2/</loc><lastmod>2026-09-23T21:23:35+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-did-k-c-chan-say-about-mpf-fees-2/</loc><lastmod>2026-09-23T21:23:35+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-are-mpf-index-funds-cheap-and-high-returning/</loc><lastmod>2011-04-17T04:23:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-well-do-workers-know-their-own-mpf-2/</loc><lastmod>2026-09-23T21:23:34+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-did-the-hk5-billion-community-care-fund-pass/</loc><lastmod>2011-05-14T09:22:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-can-hong-kongs-mpf-learn-from-singapore-2/</loc><lastmod>2026-09-23T21:23:34+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-did-chow-wing-sun-oppose-compassionate-mpf-withdrawals/</loc><lastmod>2011-07-25T20:48:54+08:00</lastmod></url><url><loc>https://mpf.hk/en/is-it-bad-to-have-scattered-mpf-accounts-2/</loc><lastmod>2026-09-23T21:23:34+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-did-the-government-empower-the-mpfa/</loc><lastmod>2011-08-03T19:56:16+08:00</lastmod></url><url><loc>https://mpf.hk/en/which-mpf-fund-won-the-decade-2/</loc><lastmod>2026-09-23T21:23:34+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-was-the-mpf-system-reviewed-on-fees/</loc><lastmod>2011-07-21T10:22:25+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-was-the-future-trend-for-mpf-2/</loc><lastmod>2026-09-23T21:23:33+08:00</lastmod></url><url><loc>https://mpf.hk/en/can-employers-dodge-mpf-with-short-term-contracts/</loc><lastmod>2011-05-31T01:02:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-much-do-fund-management-fees-vary-2/</loc><lastmod>2026-09-23T21:23:33+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-can-you-check-your-employer-is-paying-mpf/</loc><lastmod>2011-01-23T06:09:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-are-mpf-index-funds-cheap-and-high-returning-2/</loc><lastmod>2026-09-23T21:23:33+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-fee-perks-do-voluntary-contributions-offer/</loc><lastmod>2011-05-02T02:43:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-did-the-hk5-billion-community-care-fund-pass-2/</loc><lastmod>2026-09-23T21:23:33+08:00</lastmod></url><url><loc>https://mpf.hk/en/would-the-mpfa-set-up-a-public-trustee/</loc><lastmod>2011-07-12T19:34:08+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-did-chow-wing-sun-oppose-compassionate-mpf-withdrawals-2/</loc><lastmod>2026-09-23T21:23:32+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-did-the-government-empower-the-mpfa-2/</loc><lastmod>2026-09-23T21:23:32+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-was-full-mpf-portability-so-hard/</loc><lastmod>2010-12-02T06:20:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-was-the-mpf-system-reviewed-on-fees-2/</loc><lastmod>2026-09-23T21:23:32+08:00</lastmod></url><url><loc>https://mpf.hk/en/should-the-government-inject-into-mpf-or-pay-contributions-instead/</loc><lastmod>2011-06-15T06:57:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/can-employers-dodge-mpf-with-short-term-contracts-2/</loc><lastmod>2026-09-23T21:23:32+08:00</lastmod></url><url><loc>https://mpf.hk/en/who-is-joyce-lau/</loc><lastmod>2011-02-12T06:32:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-can-you-check-your-employer-is-paying-mpf-2/</loc><lastmod>2026-09-23T21:23:31+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-was-the-mpf-return-in-the-first-half-of-2011/</loc><lastmod>2011-07-08T19:37:42+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-fee-perks-do-voluntary-contributions-offer-2/</loc><lastmod>2026-09-23T21:23:31+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-many-backed-universal-retirement-protection/</loc><lastmod>2011-02-22T17:02:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/would-the-mpfa-set-up-a-public-trustee-2/</loc><lastmod>2026-09-23T21:23:31+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-was-full-mpf-portability-so-hard-2/</loc><lastmod>2026-09-23T21:23:31+08:00</lastmod></url><url><loc>https://mpf.hk/en/should-the-government-inject-into-mpf-or-pay-contributions-instead-2/</loc><lastmod>2026-09-23T21:23:30+08:00</lastmod></url><url><loc>https://mpf.hk/en/who-is-joyce-lau-2/</loc><lastmod>2026-09-23T21:23:30+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-was-the-mpf-return-in-the-first-half-of-2011-2/</loc><lastmod>2026-09-23T21:23:30+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-many-backed-universal-retirement-protection-2/</loc><lastmod>2026-09-23T21:23:30+08:00</lastmod></url><url><loc>https://mpf.hk/en/dont-time-the-market-with-your-mpf/</loc><lastmod>2026-09-23T21:56:41+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-returned-0-51-in-march-2011/</loc><lastmod>2026-09-23T21:56:42+08:00</lastmod></url><url><loc>https://mpf.hk/en/hsbc-cuts-mpf-fees-100000-members-benefit/</loc><lastmod>2026-09-23T21:56:43+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-has-built-hk345-7-billion-for-2-5-million-people/</loc><lastmod>2026-09-23T21:56:43+08:00</lastmod></url><url><loc>https://mpf.hk/en/check-your-mpf-report-card/</loc><lastmod>2026-09-23T21:56:44+08:00</lastmod></url><url><loc>https://mpf.hk/en/trustees-woo-members-ahead-of-employee-choice/</loc><lastmod>2026-09-23T21:56:45+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfs-ten-years-seven-deadly-flaws/</loc><lastmod>2026-09-23T21:56:45+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-contribution-caps-review-consensus-unlikely/</loc><lastmod>2026-09-23T21:56:46+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-investing-has-rules/</loc><lastmod>2026-09-23T21:56:47+08:00</lastmod></url><url><loc>https://mpf.hk/en/self-employed-mpf-contributions-are-tax-deductible/</loc><lastmod>2026-09-23T21:56:48+08:00</lastmod></url><url><loc>https://mpf.hk/en/steady-mpf-management-pays-off/</loc><lastmod>2026-09-23T21:56:49+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpfa-to-review-withdrawal-options-this-year-2/</loc><lastmod>2026-09-23T21:56:50+08:00</lastmod></url><url><loc>https://mpf.hk/en/minimum-wage-pulls-100000-low-paid-workers-into-mpf/</loc><lastmod>2026-09-23T21:56:51+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-averaged-2-35-return-in-april/</loc><lastmod>2026-09-23T21:56:53+08:00</lastmod></url><url><loc>https://mpf.hk/en/goal-based-retirement-planning/</loc><lastmod>2026-09-23T21:56:54+08:00</lastmod></url><url><loc>https://mpf.hk/en/80-say-mpf-fees-too-high/</loc><lastmod>2026-09-23T21:56:55+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-changes-do-mpf-members-want/</loc><lastmod>2026-09-23T21:56:56+08:00</lastmod></url><url><loc>https://mpf.hk/en/legco-approves-hk1-5-billion-for-new-immigrants/</loc><lastmod>2026-09-23T21:56:56+08:00</lastmod></url><url><loc>https://mpf.hk/en/nearly-80-back-hk50-billion-for-universal-retirement-protection/</loc><lastmod>2026-09-23T21:56:57+08:00</lastmod></url><url><loc>https://mpf.hk/en/dollar-cost-averaging-for-mpf/</loc><lastmod>2026-09-23T21:56:58+08:00</lastmod></url><url><loc>https://mpf.hk/en/hk6000-mpf-injection-excludes-civil-servants-sparks-anger/</loc><lastmod>2026-09-23T21:56:58+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-background-built-for-an-ageing-population/</loc><lastmod>2026-09-23T21:56:59+08:00</lastmod></url><url><loc>https://mpf.hk/en/so-many-funds-picking-your-retirement-gift/</loc><lastmod>2026-09-23T21:56:59+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-halted-members-must-stay-sharp/</loc><lastmod>2026-09-23T21:57:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/community-care-fund-200000-new-immigrants-to-get-hk6000/</loc><lastmod>2026-09-23T21:57:01+08:00</lastmod></url><url><loc>https://mpf.hk/en/academics-lawmakers-urge-mpf-fee-regulation/</loc><lastmod>2026-09-23T21:57:02+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-contribution-caps-set-for-raise/</loc><lastmod>2026-09-23T21:57:03+08:00</lastmod></url><url><loc>https://mpf.hk/en/should-mpf-become-wealth-accounts/</loc><lastmod>2026-09-23T21:57:03+08:00</lastmod></url><url><loc>https://mpf.hk/en/false-permanent-departure-mpf-claim-draws-hk4000-fine/</loc><lastmod>2026-09-23T21:57:04+08:00</lastmod></url><url><loc>https://mpf.hk/en/voluntary-contributions-boost-retirement-security/</loc><lastmod>2026-09-23T21:57:05+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-gained-over-7-last-year-beating-hong-kong-stocks/</loc><lastmod>2026-09-23T21:57:06+08:00</lastmod></url><url><loc>https://mpf.hk/en/community-care-fund-mulls-hk6000-for-new-immigrants/</loc><lastmod>2026-09-23T21:57:06+08:00</lastmod></url><url><loc>https://mpf.hk/en/reverse-mortgages-an-answer-to-ageing/</loc><lastmod>2026-09-23T21:57:07+08:00</lastmod></url><url><loc>https://mpf.hk/en/reverse-mortgage-lacks-detail-risks-becoming-banks-cash-cow/</loc><lastmod>2026-09-23T21:57:08+08:00</lastmod></url><url><loc>https://mpf.hk/en/universal-retirement-protection-is-necessary/</loc><lastmod>2026-09-23T21:57:09+08:00</lastmod></url><url><loc>https://mpf.hk/en/road-to-universal-retirement-protection-2/</loc><lastmod>2026-09-23T21:57:09+08:00</lastmod></url><url><loc>https://mpf.hk/en/employers-can-offer-multiple-mpf-choices/</loc><lastmod>2026-09-23T21:57:10+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-arrangement-ready-to-launch/</loc><lastmod>2026-09-23T21:57:11+08:00</lastmod></url><url><loc>https://mpf.hk/en/employee-choice-pause-puts-200-jobs-at-risk/</loc><lastmod>2026-09-23T21:57:13+08:00</lastmod></url><url><loc>https://mpf.hk/en/principal-cuts-conservative-fund-fees/</loc><lastmod>2026-09-23T21:57:15+08:00</lastmod></url><url><loc>https://mpf.hk/en/financial-secretary-urges-rational-debate-on-long-term-policies/</loc><lastmod>2026-09-23T21:57:16+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-is-dollar-cost-averaging-in-mpf/</loc><lastmod>2011-01-22T22:08:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-was-hsbcs-valuechoice-mpf-scheme/</loc><lastmod>2011-02-09T22:24:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-much-were-defaulting-employers-fined-in-april-2011/</loc><lastmod>2011-04-16T20:10:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-did-mpf-weather-2010s-roller-coaster/</loc><lastmod>2010-12-24T23:17:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-did-the-mpf-income-floor-miss-the-minimum-wage-launch/</loc><lastmod>2011-05-01T18:21:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/could-mpf-be-withdrawn-in-instalments/</loc><lastmod>2011-07-16T13:06:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-did-mpf-funds-do-over-their-first-10-years/</loc><lastmod>2011-07-10T15:16:18+08:00</lastmod></url><url><loc>https://mpf.hk/en/when-is-your-mpf-contribution-invested/</loc><lastmod>2010-11-03T21:44:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-funds-vs-ordinary-funds-whats-the-difference/</loc><lastmod>2011-07-19T21:47:41+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-did-critics-say-hk50-billion-could-fund-universal-pensions/</loc><lastmod>2011-03-04T20:16:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-did-mpf-funds-perform-in-april-2011/</loc><lastmod>2011-05-06T10:56:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mixed-asset-vs-bond-vs-guaranteed-mpf-funds-whats-the-difference/</loc><lastmod>2011-04-29T17:50:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-are-your-3-options-for-old-mpf-accounts/</loc><lastmod>2011-06-27T11:26:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-do-mpf-funds-actually-work/</loc><lastmod>2011-04-22T18:43:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-was-a-retirement-study-accused-of-a-cover-up/</loc><lastmod>2011-01-28T22:12:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-did-a-bank-officer-stand-trial-over-minibonds/</loc><lastmod>2010-11-26T22:13:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/when-would-the-mpf-employee-choice-arrangement-take-effect/</loc><lastmod>2011-08-02T11:23:07+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-to-handle-your-mpf-when-changing-jobs/</loc><lastmod>2011-04-27T18:23:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-did-activists-tell-the-chief-executive-to-watch-his-words-on-universal-pensions/</loc><lastmod>2011-05-26T17:44:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/who-was-named-on-the-first-defaulting-employers-list/</loc><lastmod>2011-06-06T13:19:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/self-employed-and-mpf-whats-bogus-self-employment/</loc><lastmod>2011-04-26T19:01:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-risks-and-chances-did-the-mpf-eca-bring/</loc><lastmod>2010-11-30T22:18:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-are-mpf-fund-fees-charged/</loc><lastmod>2011-03-10T07:56:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-to-choose-voluntary-mpf-contributions/</loc><lastmod>2011-06-30T16:21:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-make-voluntary-mpf-contributions/</loc><lastmod>2011-07-25T13:02:04+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-is-the-mpfas-defaulting-employers-register/</loc><lastmod>2011-06-23T11:11:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-did-longevity-alarm-britains-pension-system/</loc><lastmod>2010-12-30T07:44:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-happens-to-members-who-lie-to-withdraw-mpf-early/</loc><lastmod>2011-03-11T08:06:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/does-the-mpf-conservative-fund-really-preserve-value/</loc><lastmod>2011-04-08T17:07:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-was-hardship-mpf-withdrawal-blasted-as-a-bad-idea/</loc><lastmod>2011-07-29T15:34:43+08:00</lastmod></url><url><loc>https://mpf.hk/en/should-you-keep-the-mpf-preserved-account/</loc><lastmod>2011-07-15T11:44:57+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-was-the-2010-voluntary-health-insurance-plan-attacked/</loc><lastmod>2010-08-31T21:06:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-was-mpf-called-an-original-sin/</loc><lastmod>2011-03-20T08:33:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-was-the-decide-wisely-on-mpf-seminar/</loc><lastmod>2011-03-17T08:17:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-did-axa-slash-mpf-fees-in-2011/</loc><lastmod>2011-01-26T22:11:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-was-mpf-called-an-incomplete-safety-net/</loc><lastmod>2010-12-30T07:43:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-did-hsbc-cut-mpf-management-fees-in-2011/</loc><lastmod>2011-02-09T22:24:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-happens-if-you-fake-leaving-hong-kong-to-claim-mpf/</loc><lastmod>2011-01-09T21:53:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-ails-hong-kongs-retirement-protection/</loc><lastmod>2011-06-21T13:40:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-did-critics-demand-give-me-back-my-forced-money/</loc><lastmod>2010-12-05T22:37:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-should-members-gear-up-for-the-mpf-eca/</loc><lastmod>2011-05-06T17:52:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-was-the-mpfas-university-multimedia-contest/</loc><lastmod>2011-01-08T08:05:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-did-lawmakers-push-to-legislate-mpf-fee-caps/</loc><lastmod>2010-12-06T22:44:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-did-mpf-funds-bleed-red-in-june-2011/</loc><lastmod>2011-06-21T14:43:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-long-does-mpf-last-grassroots-retirees/</loc><lastmod>2011-02-28T20:04:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-raise-the-mpf-minimum-relevant-income-to-6500/</loc><lastmod>2011-06-15T17:25:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-judge-mpf-funds-by-dollar-cost-averaging-returns/</loc><lastmod>2010-12-30T07:46:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-safety-nets-guard-your-mpf-money/</loc><lastmod>2011-04-19T16:22:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-did-mpf-intermediaries-have-to-re-register/</loc><lastmod>2011-03-28T08:47:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/will-mpf-fees-ever-come-down/</loc><lastmod>2011-01-19T22:04:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/hk6000-mpf-injection-common-questions/</loc><lastmod>2011-02-25T21:44:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-survived-the-may-slump-how-to-face-june/</loc><lastmod>2011-06-08T17:54:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/near-retirement-how-to-lock-in-mpf-gains/</loc><lastmod>2011-07-09T10:35:31+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-strategy-for-your-30s-and-40s/</loc><lastmod>2011-07-02T18:10:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/dont-switch-mpf-for-small-sweeteners/</loc><lastmod>2011-01-20T22:06:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/mpf-trivia-65-2-4-accounts-2-voluntary/</loc><lastmod>2011-07-06T13:12:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-was-mpf-performance-lacklustre-in-summer-2011/</loc><lastmod>2011-07-17T09:12:30+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-happens-if-you-fake-leaving-hong-kong-to-claim-mpf-2/</loc><lastmod>2011-07-14T09:25:34+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-did-the-mpf-floor-miss-the-minimum-wage-launch/</loc><lastmod>2011-06-19T12:34:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-did-hsbc-slash-mpf-management-fees/</loc><lastmod>2011-02-11T22:30:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-was-mpf-semi-portability-tipped-for-mid-2012/</loc><lastmod>2011-04-28T18:28:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-much-are-employers-fined-for-skipping-mpf/</loc><lastmod>2011-02-20T08:59:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-are-the-holes-in-hong-kongs-retirement-protection/</loc><lastmod>2011-03-18T08:19:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-did-the-2011-budget-enrage-the-public/</loc><lastmod>2011-03-02T20:13:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/how-did-bct-read-the-mpf-reform-delay/</loc><lastmod>2011-05-14T16:05:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-adjust-mpf-contribution-caps-and-floors/</loc><lastmod>2011-06-14T19:57:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/can-employers-offset-severance-pay-with-mpf/</loc><lastmod>2011-07-10T16:24:35+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-is-singapores-cpf-and-how-does-it-differ-from-mpf/</loc><lastmod>2011-07-06T22:47:59+08:00</lastmod></url><url><loc>https://mpf.hk/en/the-2011-budgets-hk46-1-billion-sweeteners-how-much-went-to-mpf/</loc><lastmod>2011-02-25T21:36:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-are-the-six-mpf-fund-types-and-how-to-compare-them/</loc><lastmod>2011-03-28T08:45:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-was-the-community-care-funds-hk6000-handout-slammed/</loc><lastmod>2011-07-18T11:19:57+08:00</lastmod></url><url><loc>https://mpf.hk/en/choose-wisely-how-to-pick-mpf-funds/</loc><lastmod>2010-11-20T22:04:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-did-lawmakers-fear-one-industry-four-regulators/</loc><lastmod>2011-04-05T01:05:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/what-is-the-mpf-enquiry-hotline/</loc><lastmod>2010-11-13T21:55:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/at-37-with-hk200000-in-mpf-how-to-allocate/</loc><lastmod>2011-02-01T22:17:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/the-hk6000-injection-who-benefited-first/</loc><lastmod>2011-02-24T21:34:00+08:00</lastmod></url><url><loc>https://mpf.hk/en/why-did-john-tsang-call-delaying-semi-portability-reasonable/</loc><lastmod>2010-10-21T21:31:00+08:00</lastmod></url></urlset>
