MPF Ratings Limited

30/10/2026

僱主在員工的退休旅程中，扮演的角色比許多人想像中更為重要。

衷心感謝BCT邀請積金評級主席叢川普先生，於「BCT強積金僱主洞察論壇2026」擔任「強積金市場動態下提升僱員體驗」專題討論的嘉賓。

強積金市場正迅速變化。對僱主而言，緊貼市場發展不僅是合規要求，更關乎如何協助員工對其長遠財務未來建立信心。

論壇涵蓋多項適時議題，包括：

⭐️勞動人口老化及其對退休規劃的影響
⭐️人工智能在塑造人力資源體驗方面日益重要的角色
⭐️長壽趨勢與更長退休生活所需的規劃
⭐️強積金「自由行」的落實及其實際意義
⭐️強積金情緒及成員如何看待自己的儲蓄
⭐️制度變革對僱主及僱員的影響
⭐️整體強積金體驗與教育，以及如何使其更具意義

BCT的主動取態在整日活動中尤為突出。透過匯聚僱主共同公開探討這些議題，他們創造了實實在在的空間，讓與會者從中學習實務知識。僱主離場時，對如何更有效地運用強積金支援團隊，有了更清晰的概念。

對我們而言，這類對話至關重要。僱主越了解制度，就越能引導員工邁向更穩健的退休成果。

再次感謝BCT舉辦這場深思熟慮、安排周詳的論壇，亦感謝Aon、Agewhale及WeLab的各位討論嘉賓，以及所有參與討論的人士。

Employers play a bigger role in their people's retirement journey than many realise.

Thank you to BCT 銀聯集團 for inviting our Chairman, Francis Chung, to speak on the panel "Enhancing MPF Employee Experience Amidst MPF Market Dynamics" at the BCT MPF Employer Insights Forum 2026.

The MPF landscape is changing quickly. For employers, keeping up is about more than compliance. It's about helping employees feel confident in their long-term financial future.

The forum covered a wide range of timely topics, including:

⭐️ Ageing workforces and what they mean for retirement planning
⭐️ The growing role of AI in shaping the HR experience
⭐️ Longevity and the need to plan for longer retirements
⭐️ Portability implementation and what it means in practice
⭐️ MPF sentiment and how members view their savings
⭐️ System changes and their impact on employers and employees
⭐️ The overall MPF experience and education and how to make it more meaningful

BCT's proactive approach stood out throughout the day. By bringing employers together to explore these issues openly, they created real space for practical learning. Employers left with a clearer view of how to use MPF more effectively to support their teams.

For us, conversations like this matter. The more employers understand the system, the better they can guide their people toward stronger retirement outcomes.

Thank you again to BCT for a thoughtful and well-organized forum, the fellow panellists at Aon, Agewhale and WeLab and to everyone who joined the discussion.

28/10/2026

富達退休集成信託強勢登上我們九月「強積金表現榜」三甲！

其旗下基金在七個基金類別及多個時間範圍中，分別奪得第一、第二及第三名：

🥇 第一名 — 港元債券（3個月、年初至今、1年、3年及10年期回報）
🥇 第一名 — 混合資產（退休後基金）（年初至今、1年及3年期回報）
🥇 第一名 — 人民幣債券（年初至今及1年期回報）
🥈 第二名 — 港元債券（1個月及5年期回報）
🥈 第二名 — 人民幣債券（3個月及3年期回報）
🥈 第二名 — 美國股票（3個月回報）
🥉 第三名 — 預設投資策略（65歲後）（1個月回報）
🥉 第三名 — 混合資產（退休後基金）（1個月回報）
🥉 第三名 — 環球債券（1個月回報）

按此閱讀完整的九月強積金表現調查，了解他們其他基金的表現：https://mpfratings.com.hk/language/zh/mpf-monthly-performance-survey/

免責聲明： 過往表現並非未來業績的指標。本內容所載資訊僅供一般教育參考，並未構成任何投資建議，亦未考慮您的個人財務狀況。

Fidelity Retirement Master Trust just claimed its spot on our September performance podium!

Their funds secured 1st, 2nd, and 3rd place across seven fund categories and multiple time periods:

🥇 1st – HKD Bonds (3-month, YTD, 1-year, 3-year and 10-year returns)
🥇 1st – Mixed Assets (Post-Retirement Funds) (YTD, 1-year and 3-year returns)
🥇 1st – RMB Bonds (YTD and 1-year returns)
🥈 2nd – HKD Bonds (1-month and 5-year returns)
🥈 2nd – RMB Bonds (3-month and 3-year returns)
🥈 2nd – US Equities (3-month returns)
🥉 3rd – DIS (Age 65 Plus) (1-month returns)
🥉 3rd – Mixed Assets (Post-Retirement Funds) (1-month returns)
🥉 3rd – Global Bonds (1-month returns)

Read the full September MPF Performance Survey here to see how their other funds performed: https://mpfratings.com.hk/mpf-monthly-performance-survey/

Disclaimer: Past performance is not an indicator of future results. The information contained within is not advice, it is for general education and does not consider personal situations.



Fidelity International

27/10/2026

你的強積金裡，住了一隻安靜的小老鼠。🐭

每年，它都會悄悄啃掉你一點退休儲蓄。這就是所謂的基金開支比率（FER）。

大多數人看結單時都會直接略過它。但這個看似微不足道的百分比，每年按你的整體結餘收取，貫穿你整個職業生涯。經過30到40年累積，金額相當可觀。

而且，「積金易」平台並沒有令它消失，只是改變了其中一層費用。

在我們的最新文章中，我們為你拆解：

• FER暗藏的三層收費
• 為何ETF有助壓低費用
• 何處可以一眼比較你的基金

了解你的強積金費用中究竟藏著什麼秘密。按此閱讀完整文章：https://mpfratings.com.hk/language/zh/2026/10/21/拆解強積金費用：暗藏哪些成本？/

There's a quiet little mouse living in your MPF. 🐭

Every year, it nibbles a bit off your retirement savings. It's called your Fund Expense Ratio, or FER.

Most people skim right past it on their statements. But that small percentage is charged on your whole balance, every year, for your entire working life. Over 30 or 40 years, it adds up.

And no, eMPF didn't make it disappear. It only changed one part of the fee.

In our latest article, we break down:
• The three layers hiding inside your FER
• Why ETFs are helping push fees down
• Where to compare your funds at a glance

Find out what's really hiding in your MPF fees. Read the full article here: https://mpfratings.com.hk/2026/10/21/whats-really-hiding-in-your-mpf-fees/

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免責聲明 Disclaimer:
本博客內容僅供教育參考，性質屬一般資訊，並未考慮個人實際狀況。讀者應自行評估資訊是否切合自身需要，並在適當情況下徵詢財務顧問的專業意見。The information contained in this article is not advice, it is for educational purposes, general in nature and does not take into account personal situations. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial advisor.

20/10/2026

萬全強制性公積金計劃強勢登上九月強積金表現榜三甲！
其旗下基金在六個基金類別及多個時間範圍中，分別奪得第一、第二及第三名：

🥇 第一名 — 香港及中國股票（10年期回報）
🥈 第二名 — 預設投資策略（核心累積基金）（3個月及1年期回報）
🥈 第二名 — 歐洲股票（1個月、3年及5年期回報）
🥉 第三名 — 保證基金（年初至今及3年期回報）
🥉 第三名 — 預設投資策略（核心累積基金）（年初至今、3年及5年期回報）
🥉 第三名 — 亞洲債券（3年期回報）

按此閱讀完整的九月強積金表現調查，了解他們其他基金的表現：https://mpfratings.com.hk/language/zh/mpf-monthly-performance-survey/

免責聲明： 過往表現並非未來業績的指標。本內容所載資訊僅供一般教育參考，並未構成任何投資建議，亦未考慮您的個人財務狀況。

MASS Mandatory Provident Fund Scheme just claimed its spot on our September performance podium!

Their funds secured 1st, 2nd, and 3rd place across six fund categories and multiple time periods:

🥇 1st – Hong Kong & China Equities (10-year returns)
🥈 2nd – DIS (Core Accumulation) (3-month and 1-year returns)
🥈 2nd – European Equities (1-month, 3-year and 5-year returns)
🥉 3rd – Guaranteed Fund (YTD and 3-year returns)
🥉 3rd – DIS (Core Accumulation) (YTD, 3-year and 5-year returns)
🥉 3rd – Asian Bonds (3-year returns)

Read the full September MPF Performance Survey here to see how their other funds performed: https://mpfratings.com.hk/mpf-monthly-performance-survey/

Disclaimer: Past performance is not an indicator of future results. The information contained within is not advice, it is for general education and does not consider personal situations.



萬通保險 YF Life

16/10/2026

積金評級2026年第三季强積金資金流向數據正式出爐！淨流入額達到 90.2億港元——按年增長 6.64%，但比五年季度平均值低了 27.1%。

主要亮點：

💪 滙豐與永明金融以相對市場份額計算，成為最大贏家

🥊 萬通保險與中國人壽等較小型的營辦人表現遠超其規模

⭐ 成員持續將資金從本地股票轉移至美股及全球市場

點擊此處閱讀完整新聞稿，查看各營辦人的排名、資產類別細分以

及完整的第三季分析：https://mpfratings.com.hk/language/zh/2026/10/15/滙豐與永明金融成大贏家%E3%80%80強積金第三季淨流入跌/

MPF Ratings' Q3 2026 fund flow data is out. Net inflows hit HK$9.02bn — up 6.64% year-on-year but 27.1% below the 5-year quarterly average.

Standout findings:

💪 HSBC and Sunlife Hong Kong were the biggest winners relative to market share

🥊 Smaller providers like 萬通保險 YF Life and 中國人壽海外 China Life Overseas punched well above their weight

⭐ Members continued rotating out of local equities into US and global markets

Read the full press release for provider tables, asset class breakdowns, and the complete Q3 analysis here:
https://mpfratings.com.hk/2026/10/15/hsbc-and-sun-life-arebig-winners-as-mpf-inflows-drop-to-9-02bn-in-september-quarter/

14/10/2026

友邦強積金優選計劃強勢登上九月強積金表現榜三甲！

其旗下基金在多個投資類別及時間範圍中，分別奪得第一、第二及第三名。

查看強積金表現榜，了解友邦強積金優選計劃的排名及其基金表現如何。

按此閱讀完整表現調查報告：https://mpfratings.com.hk/mpf-monthly-performance-survey/

免責聲明： 過往表現並非未來業績的指標。本內容所載資訊僅供一般教育參考，並未構成任何投資建議，亦未考慮您的個人財務狀況。

AIA Hong Kong and Macau MPF - Prime Value Choice just claimed its spot on our September performance podium!

Their funds secured 1st, 2nd, and 3rd place across a range of investment categories and time periods.

Check out the podium to see where AIA Prime Value Choice ranked and how their funds stacked up.

Read the full performance survey here: https://mpfratings.com.hk/mpf-monthly-performance-survey/

Disclaimer: Past performance is not an indicator of future results. The information contained within is not advice, it is for general education and does not consider personal situations.

07/10/2026

9月出現罕見的雙重打擊：股票與債券同步下跌。

強積金9月單月下跌1.47%，但年初至今仍錄得6.20%升幅，有望連續第四年錄得正回報，對上一次出現已是2003至2007年。

目前總資產為1.684萬億港元，每名成員平均結餘為338,950港元。

當股票與債券走勢一致，傳統分散投資策略便受到考驗。這正是積金局於2025年中決定選擇性允許另類資產納入強積金的原因，如今顯得尤為適切。

在此閱讀我們最新新聞稿的完整分析：https://mpfratings.com.hk/language/zh/2026/10/07/全球股債同步錄得虧損-印證積金局引入另類投資恰/

September delivered a rare double hit: equities and bonds fell together.

MPF lost 1.47% for the month. Even so, the system is still up 6.20% year-to-date and on track for a 4th consecutive positive year, something that has happened only once before (2003–2007).

Total assets now stand at $1.684tr, or an average of $338,950 per member.

When stocks and bonds move in the same direction, traditional diversification gets tested. That's why the MPFA's mid-2025 decision to selectively allow alternative assets into MPF looks more relevant than ever.

Read the full analysis in our latest press release here: https://mpfratings.com.hk/2026/10/07/simultaneous-equity-and-bond-losses-globally-justify-mpfas-introduction-of-alternative-investments/

25/09/2026

25/09/2026

你知唔知，你嘅強積金其實唔一定要綁死喺僱主揀嘅計劃度？

冇錯，你有權轉移自己嘅強積金，而且呢啲權利只會越嚟越強。但係好多人到而家都仲未清楚「自由行」到底係咩，又或者唔知點樣先可以對自己有利。

強積金自由行可以為你帶嚟以下好處：

🏄‍♂️ 更大自主權——你可以按自己嘅方式管理強積金權益同投資策略

🤝 更激烈競爭——各計劃要爭取你嘅選擇，自然會推低收費、提升表現

✅ 服務升級——受託人有誘因做好啲，服務水平自然會提高

💪 退休儲蓄更穩陣——整合分散嘅帳戶，隨住結餘增加，仲有可能享有更低收費

了解自己嘅自由行權利，可能對你嘅財務未來帶嚟實質改變。

睇吓我哋最新文章，了解強積金自由行點樣影響你：
https://mpfratings.com.hk/language/zh/2026/09/25/%e6%88%91%e5%80%91%e6%89%80%e8%aa%aa%e7%9a%84%e5%bc%b7%e7%a9%8d%e9%87%91%e3%80%8c%e8%87%aa%e7%94%b1%e8%a1%8c%e3%80%8d%e7%a9%b6%e7%ab%9f%e6%98%af%e4%bb%80%e9%ba%bc%e6%84%8f%e6%80%9d%ef%bc%9f/

Did you know your MPF doesn't have to stay locked into your employer's chosen scheme?

That's right — you have the right to move your MPF, and those rights are only getting stronger. But many people still don't fully understand what portability means or how it can work in their favor.

Here's what MPF portability can unlock for you:

🏄‍♂️ More control — manage your own MPF benefits and investment strategies your way

🤝 Better competition — schemes compete for your business, driving down fees and improving performance

✅ Improved service — trustees are incentivized to raise their standards

💪 Stronger retirement savings — consolidate scattered accounts and potentially benefit from lower fees as your balance grows

Understanding your portability rights could make a real difference to your financial future.

Read our latest article to find out how MPF portability affects you: https://mpfratings.com.hk/2026/09/25/what-do-we-actually-mean-by-portability-in-mpf/



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免責聲明 Disclaimer:
本博客內容僅供教育參考，性質屬一般資訊，並未考慮個人實際狀況。讀者應自行評估資訊是否切合自身需要，並在適當情況下徵詢財務顧問的專業意見。
The information contained in this article is not advice, it is for educational purposes, general in nature and does not take into account personal situations. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial advisor.

25/09/2026

強積金正逼近一個自2003至2007年以來從未出現過的里程碑：連續第4年錄得正回報。

沒錯，9月預計將以約 -0.22% 的輕微跌幅收尾。但從整體大局來看，表現依然強勁，年初至今回報率維持在7.55%。

我們最新的新聞稿詳細剖析了第三季表現、未來潛在的市場挑戰，以及這一切對強積金成員的意義。

閱讀我們最新的新聞稿，了解全貌：https://mpfratings.com.hk/language/zh/2026/09/24/一代人僅見的紀錄近在咫尺-惟9月虧損或成強積金達/

MPF is closing in on a milestone we haven't seen since 2003–2007: a 4th consecutive year of positive returns.

Yes, September looks set to end with a modest loss of around -0.22%. But the bigger picture stays strong, with year-to-date returns holding at 7.55%.

Our latest press release breaks down September quarter performance, the market hurdles ahead, and what it all means for MPF members.

Read our latest press release to see the full picture: https://mpfratings.com.hk/2026/09/24/on-mpfs-horizon-is-a-once-in-a-generation-record-but-can-the-system-reach-it-with-a-loss-in-september/