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      <news:title>“Full Portability” Sets Sail on 21 December — But the Ticket Is Only for Employees Hired After 1 May 2025. How Long Must Everyone Else Wait?</news:title>
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      <news:title>「全自由行」12 月 21 日啟航：船票只發給 2025 年 5 月 1 日之後入職的人 —— 其餘打工仔仲要等幾耐？</news:title>
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      <news:title>One in Eight Lives to 100: Hong Kong’s Longevity Tail Breaks the Average-Based Retirement Plan</news:title>
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      <news:title>八分之一的百歲人生：12.8% 的長壽尾部，你的退休規劃賭唔賭得起？</news:title>
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    <loc>https://mpf.hk/en/the-menu-shield-morningstars-mind-the-gap-proves-retirement-plan-funds-keep-more-of-their-returns-and-mpfs-record-hk74-7bn-switching-year-is-tearing-it-down/</loc>
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      <news:title>The Menu Shield: Morningstar’s Mind the Gap Proves Retirement-Plan Funds Keep More of Their Returns — and MPF’s Record HK$74.7bn Switching Year Is Tearing It Down</news:title>
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      <news:title>菜單保護傘：晨星 Mind the Gap 證實「退休計劃菜單」基金的行為缺口明顯較窄 — DIS 帳戶 370 萬隻，2026 年 747 億換馬額正在親手拆掉它</news:title>
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    <loc>https://mpf.hk/en/same-cash-different-paycheck-why-mpf-money-market-funds-beat-conservative-funds-by-70/</loc>
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      <news:publication_date>2026-10-16T10:35:56+00:00</news:publication_date>
      <news:title>Same Cash, Different Paycheck: Why MPF Money Market Funds Beat Conservative Funds by 70%</news:title>
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      <news:publication_date>2026-10-16T10:35:53+00:00</news:publication_date>
      <news:title>同樣係現金，點解佢賺多七成？保守基金 vs 貨幣市場基金的 1.4 個百分點解剖</news:title>
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    <loc>https://mpf.hk/en/the-safe-haven-x-ray-over-the-past-12-months-mpfs-best-safe-asset-was-cash-money-market-funds-3-4-bond-funds-1-5-and-the-auto-de-risking-endpoint-is-the-weakest-link/</loc>
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      <news:publication_date>2026-10-16T01:08:05+00:00</news:publication_date>
      <news:title>The Safe-Haven X-Ray: Over the Past 12 Months, MPF’s Best “Safe Asset” Was Cash — Money Market Funds +3.4%, Bond Funds -1.5%, and the Auto De-Risking Endpoint Is the Weakest Link</news:title>
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      <news:publication_date>2026-10-16T01:08:01+00:00</news:publication_date>
      <news:title>避險照妖鏡：過去 12 個月，MPF 的「安全資產」竟然是存款 — 貨幣市場基金 +3.4%，債券基金 -1.5%，自動降險的終點反而最危險</news:title>
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