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      <news:title>Full Portability Opens 21 December: The 2026 Quota Lasts Just 11 Days — Move Now, in January, or Both?</news:title>
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    <loc>https://mpf.hk/en/21-december-is-coming-your-new-hires-can-move-your-mpf-money-an-employers-field-guide/</loc>
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      <news:title>21 December Is Coming: Your New Hires Can Move Your MPF Money — An Employer’s Field Guide</news:title>
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    <loc>https://mpf.hk/en/mpf-gum-confidence-15-year-high-20261022-en/</loc>
    <lastmod>2026-10-21T23:18:19+00:00</lastmod>
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      <news:title>MPF confidence hits 15-year high; retirement target HK$6.48m</news:title>
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      <news:publication_date>2026-10-21T23:18:16+00:00</news:publication_date>
      <news:title>信心指數5.1分創15年新高　退休目標升至648萬</news:title>
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    <loc>https://mpf.hk/en/sixty-days-before-full-portability-which-mpf-trustees-actually-cut-fees-over-the-last-two-years/</loc>
    <lastmod>2026-10-21T21:50:17+00:00</lastmod>
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      <news:title>Sixty Days Before Full Portability: Which MPF Trustees Actually Cut Fees Over the Last Two Years</news:title>
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      <news:publication_date>2026-10-21T21:50:08+00:00</news:publication_date>
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    <loc>https://mpf.hk/en/why-1-may-2025-the-shared-birthday-of-offsetting-abolition-and-full-portability/</loc>
    <lastmod>2026-10-21T06:06:48+00:00</lastmod>
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      <news:title>Why 1 May 2025? The Shared Birthday of Offsetting Abolition and Full Portability</news:title>
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      <news:publication_date>2026-10-21T06:06:47+00:00</news:publication_date>
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    <loc>https://mpf.hk/en/is-21-december-really-locked-in-the-28-day-negative-vetting-clock-on-mpf-full-portability-and-why-the-date-will-hold/</loc>
    <lastmod>2026-10-21T01:18:46+00:00</lastmod>
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      <news:publication_date>2026-10-21T01:18:46+00:00</news:publication_date>
      <news:title>Is 21 December Really Locked In? The 28-Day Negative-Vetting Clock on MPF Full Portability — and Why the Date Will Hold</news:title>
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    <loc>https://mpf.hk/en/asias-no-2-pension-system-the-truth-behind-hong-kongs-71-2-89-4-for-regulation-67-8-for-your-retirement/</loc>
    <lastmod>2026-10-20T21:15:24+00:00</lastmod>
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      <news:publication_date>2026-10-20T21:15:24+00:00</news:publication_date>
      <news:title>Asia’s No. 2 Pension System? The Truth Behind Hong Kong’s 71.2: 89.4 for Regulation, 67.8 for Your Retirement</news:title>
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      <news:publication_date>2026-10-20T21:15:22+00:00</news:publication_date>
      <news:title>「亞洲第二的退休保障」？71.2 分王冠的真相：89.4 分是監管，67.8 分是你的退休生活</news:title>
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