oOo Group - MPF Scheme provides financial services including securities brokerage, underwriting, asset management, and securities investment consulting to clients worldwide.

Key Scheme Information

Why is MPF important to you?
Your MPF contributions
How do we invest your money?
What are the risks of your MPF investment?
How to transfer your MPF?
How to manage your MPF when changing jobs?
When should you adjust your MPF fund choices?
When can you withdraw your MPF?
Additional information useful to you
How to make enquiries and complaints?

Why is MPF important to you?

The Mandatory Provident Fund (MPF) System aims at assisting the working population of Hong Kong to accumulate retirement savings by making regular contributions. Employees (full time or part-time) and self-employed persons aged 18 to 64, except the exempt persons, are required to participate in an MPF scheme.

Employees/Self-employed Persons

To facilitate your retirement planning, you may use MPFA’s Retirement Planning Calculator to calculate:
i)your retirement needs;
ii) your projected MPF and other retirement savings upon your retirement; and
iii) how much you need to save to meet your retirement needs.

If you are an employer, you need to know your MPF obligations, including enrolling new employees, making contributions and reporting terminated employees. If you have any questions relating to your MPF obligations as an employer, please contact us.
To become a participating employer of the Scheme, please submit the completed application form, which will constitute the participation agreement between the Sponsor, the Trustee and the participating employer. The application form can be downloaded via the following link and QR code:Employers

Monthly Relevant Income	Mandatory Contribution Amount
Employer’s Contributions	Employee’s Contributions
Less than HK$7,100	Relevant income x 5%	Not required
HK$7,100 to HK$30,000	Relevant income x 5%	Relevant income x 5%
More than HK$30,000	HK$1,500	HK$1,500

Relevant Income	Self-employed Person’s Contributions
Annual	Monthly Average
Less than HK$85,200	Less than HK$7,100	Not required
HK$85,200 to HK$360,000	HK$7,100 to HK$30,000	Relevant income x 5%
More than HK$360,000	More than HK$30,000	HK$360,000 x 5% = HK$18,000 per year or HK$30,000 x 5% = HK$1,500 per month

How to Open an Account	Voluntary Contributions	Tax Deductible Voluntary Contributions	Special Voluntary Contributions
Your employer helps you open an account under the MPF scheme chosen by the company.	You select your own MPF scheme and open an account on your own.	You select your own MPF scheme and open an account on your own.

How do we invest your money?

Upon joining the Scheme, if you have not given the Trustee any investment instructions, your money will be invested under the Default Investment Strategy (DIS) automatically. For details of the DIS, you may refer to the MPF Scheme Brochure of the Scheme – Fund Options, Investment Objectives and Policies Section which is available via the link and the QR code:MPF Scheme Brochure

Alternatively, you can choose to invest in the following funds

No.	Name of Constituent Fund	Investment Manager	Fund Descriptor	Investment Focus	s I	Management fees （as a percentage of net asset value per annum）
1	AMTD Invesco Age 65 Plus Fund	Invesco Hong Kong Limited	Mixed Assets Fund – Global –Maximum equity – 25%	Around 20% in equities, around 80% in bonds with balance in cash	To achieve stable growth by investing in a globally diversified manner.	0.75%
2	AMTD Invesco Core Accumulation Fund	Invesco Hong Kong Limited	Mixed Assets Fund – Global –Maximum equity – 65%	Around 60% in equities, around 40% in bonds with balance in cash	To achieve capital growth by investing in a globally diversified manner.	0.75%
3	AMTD Invesco MPF Conservative Fund	Invesco Hong Kong Limited	Money Market Fund – Hong Kong	Deposits and debt securities	To preserve capital with minimal risk. This constituent fund does not guarantee the repayment of capital.	0.90%
4	AMTD Invesco Asia Fund	Invesco Hong Kong Limited	Equity Fund – Asia (excluding Japan)	Up to 100% in equities with balance in cash	To achieve long term capital appreciation.	1.00%
5	AMTD Invesco Europe Fund	Invesco Hong Kong Limited	Equity Fund – Europe (including the United Kingdom)	Up to 100% in equities with balance in cash	To achieve long term capital appreciation.	1.00%
6	AMTD Invesco Global Bond Fund	Invesco Hong Kong Limited	Bond Fund – Global	Up with tobalance 100% ininbonds cash	To achieve steady growth over the long term.	1.00%
7	AMTD Invesco Hong Kong and China Fund	Invesco Hong Kong Limited	Equity Fund – Hong Kong and China	Up to 100% in equities with balance in cash	To achieve long term capital appreciation.	1.00%
8	AMTD Allianz Choice Dynamic Allocation Fund	Allianz Global Investors Asia Pacific Limited	Mixed Assets Fund – Global – Maximum equity – 50%	Up to 50% in equities, normally at least 75% in bonds and cash	To achieve performance target not related to an index, and long term capital preservation with minimized short term volatility.	最高 0.97%
9	AMTD Allianz Choice Capital Stable Fund	Allianz Global Investors Asia Pacific Limited	Mixed Assets Fund – Global – Maximum equity 40%	30% in equities, 70% in bonds with balance in cash	To achieve capital preservation combined with steady capital appreciation over the long term.	最高 0.97%
10	AMTD Allianz Choice Stable Growth Fund	Allianz Global Investors Asia Pacific Limited	Mixed Assets Fund – Global – Maximum equity 60%	50% in equities, 50% in bonds with balance in cash	To achieve a stable overall return over the long term.	最高 0.97%
11	AMTD Allianz Choice Balanced Fund	Allianz Global Investors Asia Pacific Limited	Mixed Assets Fund – Global – Maximum equity 80%	70% in equities, 30% in bonds with balance in cash	To achieve a high level (above market) of overall return over the long term.	最高 0.97%
12	AMTD Allianz Choice Growth Fund	Allianz Global Investors Asia Pacific Limited	Mixed Assets Fund – Global – Maximum equity – 100%	90% in equities, 10% in bonds with balance in cash	To maximize long term overall returns.	最高 0.97%
13	AMTD Invesco Target Retirement Now Fund	Invesco Hong Kong Limited	Mixed Assets Fund – Global – Maximum equity around 30%	30% in equities, 70% in bonds with balance in cash	To achieve capital preservation over the long term whilst seeking to enhance returns through limited exposure to global equities.	1.00%
14	AMTD Invesco Target 2028 Retirement Fund	Invesco Hong Kong Limited	Mixed Assets Fund – Global – Maximum equity around 48%	48% in equities, 52% in bonds with balance in cash	To provide capital appreciation and current income through its allocation of assets consistent with the target date of retirement.	1.00%
15	AMTD Invesco Target 2038 Retirement Fund	Invesco Hong Kong Limited	Mixed Assets Fund – Global – Maximum equity around 65%	65% in equities, 35% in bonds with balance in cash	To provide capital appreciation and current income through its allocation of assets consistent with the target date of retirement.	1.00%
16	AMTD Invesco Target 2048 Retirement Fund	Invesco Hong Kong Limited	Mixed Assets Fund – Global – Maximum equity around 82%	82% in equities, 18% in bonds with balance in cash	To provide capital appreciation and current income through its allocation of assets consistent with the target date of retirement.	1.00%

Note –
The management fees shown in the table above include the management fees chargeable by the fund and its underlying fund(s) only. There may be other fees and charges chargeable to the fund and its underlying fund(s) or to you. For details, please refer to the MPF Scheme Brochure of the Scheme – Fees and Charges Section, which is available via the link and the QR code:MPF Scheme Brochure。

To help you make comparisons across different MPF funds and schemes, you may refer to the information on the MPF Fund Platform via the link: https://mfp.mpfa.org.hk/tch/mpp_index.jsp 。

Parts of MPF in a contribution account (i.e. Types of contributions that the MPF are derived from)	Transfer rule	Type of account receiving the MPF
Contributions from current employment
Employer mandatory contributions	Not transferable	–
Employee mandatory contributions	Transferable once every calendar year¹	Personal account
Employer voluntary contributions	Subject to the governing rules of the Original Scheme
Employee voluntary contributions
Contributions from former employment
Mandatory contributions transferred to the contribution account under current employment	Transferable at any time	Personal account or other contribution accounts²
Voluntary contributions transferred to the contribution account under current employment	Subject to the governing rules of the Original Scheme

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Default Investment Strategy (DIS)