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      <news:title>Lawmakers Warn: About 80% Do Not Understand Full Portability, and Frequent Switching Can Eat Your Returns — Two Lines of Defence, 44 Days Before Launch</news:title>
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      <news:title>議員警告：約八成人唔明全自由行，頻繁轉會恐蝕回報 — 開閘前 44 天的兩道防線</news:title>
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      <news:title>The True Cost of Frequent Switching: Lam’s Warning Is Right, but the Expensive Line Is Not the Admin Fee</news:title>
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      <news:title>頻繁轉會的真實成本：林振昇警告是對的，但貴的不是那一行「行政費」</news:title>
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    <loc>https://mpf.hk/en/the-45-day-report-card-have-trustees-explained-full-portability-yet-not-yet/</loc>
    <lastmod>2026-11-06T07:59:01+00:00</lastmod>
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      <news:title>The 45-Day Report Card: Have Trustees Explained Full Portability Yet? Not Yet</news:title>
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      <news:title>開閘前 45 天的成績表：受託人講清了全自由行嗎？答案是未講清</news:title>
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    <loc>https://mpf.hk/en/before-you-transfer-check-the-guarantee-a-checklist-for-guaranteed-fund-switchers/</loc>
    <lastmod>2026-11-06T07:55:30+00:00</lastmod>
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      <news:title>Before You Transfer, Check the Guarantee: A Checklist for Guaranteed-Fund Switchers</news:title>
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      <news:title>轉會之前，先對一對保證：保證基金轉出陷阱核對清單</news:title>
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    <loc>https://mpf.hk/en/mpf-manulife-28-mpf-share-empf-drag-20261106-en/</loc>
    <lastmod>2026-11-05T22:36:02+00:00</lastmod>
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      <news:title>Manulife keeps 28% MPF share as eMPF weighs on earnings</news:title>
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      <news:publication_date>2026-11-05T22:35:59+00:00</news:publication_date>
      <news:title>宏利強積金市佔28%　積金易拖累財管盈利</news:title>
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