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    <loc>https://mpf.hk/en/mpf-gum-october-interim-loss-20261026-en/</loc>
    <lastmod>2026-10-26T08:27:41+00:00</lastmod>
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      <news:publication_date>2026-10-26T08:27:41+00:00</news:publication_date>
      <news:title>MPF down 1.5% in October, average loss HK$5,219</news:title>
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    <loc>https://mpf.hk/mpf-gum-october-interim-loss-20261026/</loc>
    <lastmod>2026-10-26T08:27:34+00:00</lastmod>
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      <news:publication_date>2026-10-26T08:27:34+00:00</news:publication_date>
      <news:title>強積金10月暫跌1.5%　人均蝕5,219元</news:title>
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    <loc>https://mpf.hk/en/the-vesting-clock-the-employers-last-offsetting-lever-and-how-to-set-it-without-losing/</loc>
    <lastmod>2026-10-25T01:03:53+00:00</lastmod>
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      <news:publication_date>2026-10-25T01:03:53+00:00</news:publication_date>
      <news:title>The Vesting Clock: The Employer’s Last Offsetting Lever — and How to Set It Without Losing</news:title>
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    <loc>https://mpf.hk/%e8%87%aa%e9%a1%98%e4%be%9b%e6%ac%be%e7%9a%84%e6%ad%b8%e5%b1%ac%e6%9c%9f%ef%bc%9a%e5%83%b1%e4%b8%bb%e6%9c%80%e5%be%8c%e4%b8%80%e5%bc%b5%e5%b0%8d%e6%b2%96%e7%89%8c%ef%bc%8c%e9%bb%9e%e6%89%93%e5%85%88/</loc>
    <lastmod>2026-10-25T01:03:46+00:00</lastmod>
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      <news:publication_date>2026-10-25T01:03:46+00:00</news:publication_date>
      <news:title>自願供款的歸屬期：僱主最後一張對沖牌，點打先唔蝕？</news:title>
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    <loc>https://mpf.hk/en/septembers-estimate-scorecard-three-forecasts-three-ways-to-be-wrong-the-final-bill-was-hk5060-per-member/</loc>
    <lastmod>2026-10-24T21:05:23+00:00</lastmod>
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      <news:publication_date>2026-10-24T21:05:23+00:00</news:publication_date>
      <news:title>September’s Estimate Scorecard: Three Forecasts, Three Ways to Be Wrong — the Final Bill Was HK$5,060 per Member</news:title>
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    <loc>https://mpf.hk/9-%e6%9c%88%e9%a0%90%e4%bc%b0%e8%a9%95%e5%88%86%ef%bc%9a%e4%b8%89%e5%80%8b%e6%95%b8%e5%ad%97%ef%bc%8c%e4%b8%89%e7%a8%ae%e9%8c%af%e6%b3%95-%e6%9c%80%e7%b5%82%e5%b8%b3%e5%96%ae%e6%98%af/</loc>
    <lastmod>2026-10-24T21:05:17+00:00</lastmod>
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      <news:publication_date>2026-10-24T21:05:17+00:00</news:publication_date>
      <news:title>9 月預估評分：三個數字，三種錯法 — 最終帳單是人均蝕 HK$5,060</news:title>
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