We understand that every investor has different investment needs and goals throughout their life journey. Therefore, we offer a range of diversified investment solutions, allowing each investor to choose the investment portfolio that best suits them.
To manage your MPF effectively, you should have an understanding of the system and its basic concepts. Whether you are new to MPF or have any enquiries, watch the video and get the information you need.
If you have worked for a number of companies, you may have multiple MPF accounts. You can make it simple by consolidating all accrued benefits from multiple personal accounts to Invesco MPF.
Investing in a pension scheme allows you to plan your retirement more effectively. The number of years you have until retirement helps determine the best way to grow your investments. As you move into each life stage, your needs and preferences are likely to change along with your investment decisions.
When you change jobs, you also need to take care of the pension investments made during your previous employment, typically referred to as "Accrued Benefits", which may be from MPF or ORSO schemes.
Accrued Benefits are defined as the amount of an employee’s beneficial interest in a retirement scheme at a particular time (such as the statement end-date). The beneficial interest is calculated as the contributions made by the employee and employer, together with any investment return (gain or loss) on the contributions.
If you have changed jobs more than once, you probably have one or more personal accounts with accrued benefits. If you remember how many personal accounts you have and which service providers are managing those accounts you can consolidate.
For Fund transfer form, please click here.
Source: MSCI & FTSE, data as of Sep 30, 2024.
Index performance base as 100. Past performance does not predict future returns. Investors cannot invest directly in an index. For illustration purpose only.
*Neither MSCI nor any other party involved in or related to compiling, computing or creating the MSCI data makes any express or implied warranties or representations with respect to such data (or the results to be obtained by the use thereof), and all such parties hereby expressly disclaim all warranties of originality, accuracy, completeness, merchantability of fitness for a particular purpose with respect to any of such data. Without limiting any of the foregoing, in no event shall MSCI, any of its affiliates or any third party involved in or related to compiling, computing or creating the data have any liability for any direct, indirect, special, punitive, consequential or any other damages (including lost profits) even if notified of the possibility of such damages. No further distribution or dissemination of the MSCI data is permitted without MSCI's express written consent.
The FTSE Developed Index is a market-capitalization weighted index representing the performance of large and mid-cap companies in Developed markets. The index is derived from the FTSE Global Equity Index Series (GEIS), which covers 98% of the world’s investable market capitalization. (As of 30 Sep 2024)
Source: FTSE, data as of Sep 30, 2024.
For illustration purpose only.
The MSCI* World ESG Universal Select Business Screens Index is based on the MSCI World Index, its parent index, and includes large and mid-cap securities across 23 Developed Markets countries. The index aims to represent the performance of a strategy that excludes companies that are associated with controversial weapons, nuclear weapons, oil sands or recreational cannabis; or derive revenues from conventional weapons, thermal coal, tobacco or civilian firearms; or are involved in very severe controversies pertaining to ESG issues; or have an MSCI ESG Rating of CCC.
Source: Bloomberg, data as of Sep 30, 2024.
For illustration purpose only.
*Neither MSCI nor any other party involved in or related to compiling, computing or creating the MSCI data makes any express or implied warranties or representations with respect to such data (or the results to be obtained by the use thereof), and all such parties hereby expressly disclaim all warranties of originality, accuracy, completeness, merchantability of fitness for a particular purpose with respect to any of such data. Without limiting any of the foregoing, in no event shall MSCI, any of its affiliates or any third party involved in or related to compiling, computing or creating the data have any liability for any direct, indirect, special, punitive, consequential or any other damages (including lost profits) even if notified of the possibility of such damages. No further distribution or dissemination of the MSCI data is permitted without MSCI's express written consent.
The MSCI World Index captures large and mid-cap representation across 23 Developed Markets (DM) countries*. With 1,410 constituents, the index covers approximately 85% of the free float-adjusted market capitalization in each country. (As of 30 Sep 2024)
*DM countries include: Australia, Austria, Belgium, Canada, Denmark, Finland, France, Germany, Hong Kong, Ireland, Israel, Italy, Japan, Netherlands, New Zealand, Norway, Portugal, Singapore, Spain, Sweden, Switzerland, the UK and the US.
Source: Bloomberg, data as of Sep 30, 2024.
For illustration purpose only.
*Neither MSCI nor any other party involved in or related to compiling, computing or creating the MSCI data makes any express or implied warranties or representations with respect to such data (or the results to be obtained by the use thereof), and all such parties hereby expressly disclaim all warranties of originality, accuracy, completeness, merchantability of fitness for a particular purpose with respect to any of such data. Without limiting any of the foregoing, in no event shall MSCI, any of its affiliates or any third party involved in or related to compiling, computing or creating the data have any liability for any direct, indirect, special, punitive, consequential or any other damages (including lost profits) even if notified of the possibility of such damages. No further distribution or dissemination of the MSCI data is permitted without MSCI's express written consent.
US market Indices are a financial indicator that measures the performance of the stock market in the United States. It represents the collective performance of a selected group of stocks listed on US exchanges.
Source: MSCI & FTSE, data as of Sep 30, 2024.
Index performance base as 100. Past performance does not predict future returns. Investors cannot invest directly in an index. For illustration purpose only.
*Neither MSCI nor any other party involved in or related to compiling, computing or creating the MSCI data makes any express or implied warranties or representations with respect to such data (or the results to be obtained by the use thereof), and all such parties hereby expressly disclaim all warranties of originality, accuracy, completeness, merchantability of fitness for a particular purpose with respect to any of such data. Without limiting any of the foregoing, in no event shall MSCI, any of its affiliates or any third party involved in or related to compiling, computing or creating the data have any liability for any direct, indirect, special, punitive, consequential or any other damages (including lost profits) even if notified of the possibility of such damages. No further distribution or dissemination of the MSCI data is permitted without MSCI's express written consent.
The Dow Jones Industrial Average is a price-weighted measure of 30 U.S. blue-chip companies. The index covers all industries except transportation and utilities.
Source: Bloomberg, data as of Sep 30, 2024.
For illustration purpose only.
The FTSE USA Index is a market-capitalisation weighted index representing the performance of US large and mid cap stocks. The index is derived from the FTSE Global Equity Index Series (GEIS), which covers 98% of the world’s investable market capitalization.
Source: FTSE, data as of Sep 30, 2024.
For illustration purpose only.
The MSCI* USA ESG Universal Select Business Screens Index is based on the MSCI USA Index, its parent index, and includes large and mid-cap securities of the U.S. equity markets. The index aims to represent the performance of a strategy that excludes companies that are associated with controversial weapons, nuclear weapons, oil sands or recreational cannabis; or derive revenues from conventional weapons, thermal coal, tobacco or civilian firearms; or are involved in very severe controversies pertaining to ESG issues; or have an MSCI ESG Rating of CCC.
Source: Bloomberg, data as of Sep 30, 2024.
For illustration purpose only.
*Neither MSCI nor any other party involved in or related to compiling, computing or creating the MSCI data makes any express or implied warranties or representations with respect to such data (or the results to be obtained by the use thereof), and all such parties hereby expressly disclaim all warranties of originality, accuracy, completeness, merchantability of fitness for a particular purpose with respect to any of such data. Without limiting any of the foregoing, in no event shall MSCI, any of its affiliates or any third party involved in or related to compiling, computing or creating the data have any liability for any direct, indirect, special, punitive, consequential or any other damages (including lost profits) even if notified of the possibility of such damages. No further distribution or dissemination of the MSCI data is permitted without MSCI's express written consent.
The Nasdaq Composite Index measures all Nasdaq domestic and international based common type stocks listed on The Nasdaq Stock Market. To be eligible for inclusion in the Index, the security's U.S. listing must be exclusively on The Nasdaq Stock Market (unless the security was dually listed on another U.S. market prior to January 1, 2004 and has continuously maintained such listing). The security types eligible for the Index include common stocks, ordinary shares, ADRs, shares of beneficial interest or limited partnership interests and tracking stocks.
Source: Bloomberg, data as of Sep 30, 2024.
For illustration purpose only.
The S&P 500 is widely regarded as the best single gauge of large-cap U.S. equities. The index includes 500 leading companies and covers approximately 80% of available market capitalization.
Source: Bloomberg, data as of Sep 30, 2024.
For illustration purpose only.
The Hang Seng Index is the most widely quoted gauge of the Hong Kong stock market and includes the largest and most liquid 80 stocks listed on the Main Board of the Stock Exchange of Hong Kong.
Source: Hang Seng Indexes, data as of Sep 30, 2024.
Index performance base as 100. Past performance does not predict future returns. Investors cannot invest directly in an index. For illustration purpose only.
Source: Hang Seng Indexes, data as of Sep 30, 2024
For illustration purpose only.
To protect scheme members’ interests, MPFA has put in place regulations and guidelines for trustees and investment managers to manage the assets of MPF schemes.
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