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03 How do we invest your money?
  • You can choose your investment choices by completing the relevant enrolment form/application form upon joining the MPF scheme. Investment choices include Default Investment Strategy (“DIS”), a ready-made investment strategy with fees cap and automatic de-risking feature and/or the constituent funds available under My Choice Scheme.
  • If no investment instruction is made by you before the first contribution and/or any accrued benefits transferred in or if your investment instruction is deemed invalid, your relevant contributions/accrued benefits will be invested in accordance with DIS.
  • You may refer to Sections 3, 4 and 6 of the MPF Scheme Brochure of My Choice Scheme to understand the details of DIS and constituent funds before making the investment instruction: www.bocpt.com/homepage/en/my-choice-mpf/my-choice-mpf-download-corner/offering-document/
  • There are 14 constituent funds available under My Choice:
    No. Name of constituent fund Investment Manager Fund Descriptor Investment Focus Investment Objectives Management fees (as a percentage of net asset value per annum)
    1 My Choice Core Accumulation Fund Schroder Investment Management (Hong Kong) Limited Mixed Assets Fund (Global) Maximum equity –65% 55 – 65% in higher risk assets with balance on lower risk assets Seeks to provide capital growth. 0.74%
    2 My Choice Age 65 Plus Fund Schroder Investment Management (Hong Kong) Limited Mixed Assets Fund (Global) Maximum equity –25% 15 – 25% in higher risk assets with balance on lower risk assets Seeks to provide stable growth. 0.74%
    3 My Choice Growth Fund Constituent Fund level: N/A* Mixed Assets Fund (Global) Maximum equity – around 90% 90% in equities, 7% in bonds and 3% in cash or cash equivalents Seeks to build real wealth over the long term, but at the same time manage the volatility of returns in the short term. 0.99%
    4 My Choice Balanced Fund Constituent Fund level: N/A* Mixed Assets Fund (Global) Maximum equity –85% 45 – 85% in equities, 0 – 40% in bonds and 0 – 20% in cash or cash equivalents Seeks to achieve long-term return in excess of salary inflation in Hong Kong. 0.96%
    5 My Choice Stable Fund Constituent Fund level: N/A* Mixed Assets Fund (Global) Maximum equity –60% 30 – 60% in equities, 20 – 60% in bonds and 0 – 20% in cash or cash equivalents Seeks to achieve a long-term return in excess of Hong Kong price inflation. 0.96%
    6 My Choice Global Equity Fund Constituent Fund level: N/A* Equity Fund (Global) 60 – 100% in global equities, and 0 – 40% in cash or cash equivalents Seeks to achieve long term capital growth. 0.97%
    7 My Choice Asia Equity Fund Constituent Fund level: N/A* Equity Fund 70 – 100% in equities, and 0 – 30% in bonds Seeks to produce returns that are related to those achieved on the major stock market indices of Asia Pacific, but at the same time manage the volatility of returns in the short term. 0.99%
    8 My Choice China Equity Fund Constituent Fund level: N/A* Equity Fund (China) 70 – 100% in Greater China equities, 0 – 30% in other equities and 0 – 30% in bonds Seeks to provide investors with long-term capital growth. 0.99%
    9 My Choice Hong Kong Equity Fund Constituent Fund level: N/A* Equity Fund (Hong Kong) 70 – 100% in Hong Kong equities, and 0 – 30% in bonds Seeks to produce returns that are related to those achieved on the major stock market indices of Hong Kong. 0.99%
    10 My Choice Hong Kong Tracking Fund CSOP Asset Management Limited Equity Fund (Hong Kong) Up to 100% in equities with balance in cash or cash equivalents Seeks to track the performance of the Hang Seng Index of Hong Kong. 0.70%
    11 My Choice Global Bond Fund Constituent Fund level: N/A* Bond Fund (Global) At least 70% in debt securities and may indirectly invest up to 10% in onshore Mainland China debt securities Seeks to produce returns that are related to those achieved on the major bond market indices while limit the volatility of returns in the short term. 0.97%
    12 My Choice HKD Bond Fund Constituent Fund level: N/A* Bond Fund (Hong Kong) 70 – 100% in Hong Kong dollar denominated bonds and 0 – 30% in US dollar denominated bonds Seeks to provide investors with long-term capital growth. 0.99%
    13 My Choice RMB & HKD Money Market Fund Allianz Global Investors Asia Pacific Limited Money Market Fund (China and Hong Kong) 60 – 70% in RMB denominated certificates of deposits, bank deposits, fixed interest securities and other monetary instruments and balance in HKD denominated bank deposits, fixed interest securities and other monetary instruments. Seeks to achieve income and capital gains over the long run. Up to 0.79%
    14 My Choice MPF Conservative Fund Schroder Investment Management (Hong Kong) Limited Money Market Fund (Hong Kong) 100% in deposits and debt securities Seeks to achieve a return higher than the interest rate in a Hong Kong dollar savings account. 0.79%

* The constituent fund is a feeder fund investing directly into the corresponding APIF and therefore investment manager is not required.

Note - The management fees shown in the table above include 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 Section 5 of the MPF Scheme Brochure of My Choice Fees and Charges Section, which is available via the link: www.bocpt.com/homepage/en/my-choice-mpf/my-choice-mpf-download-corner/offering-document/

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/eng/mpp_index.jsp

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BOC-Prudential Easy-Choice Mandatory Provident Fund Scheme

IMPORTANT INFORMATION

  • You should consider your own risk tolerance level and financial circumstances before making any investment choices. When, in your selection of Constituent Funds, you are in doubt as to whether a certain Constituent Fund is suitable for you (including whether it is consistent with your investment objectives), you should seek financial and/or professional advice and choose the Constituent Fund(s) most suitable for you taking into account your circumstances.
  • You should consider your own risk tolerance level and financial circumstances before investing in the MPF Default Investment Strategy (as defined in section 6.7 (MPF Default Investment Strategy)). You should note that the BOC-Prudential Core Accumulation Fund and the BOC-Prudential Age 65 Plus Fund may not be suitable for you, and there may be a risk mismatch between the BOC-Prudential Core Accumulation Fund and the BOC-Prudential Age 65 Plus Fund and your risk profile (the resulting portfolio risk may be greater than your risk preference). You should seek financial and/or professional advice if you are in doubt as to whether the MPF Default Investment Strategy is suitable for you, and make the investment decision most suitable for you taking into account your circumstances.
  • You should note that the implementation of the MPF Default Investment Strategy may have an impact on your MPF investments and accrued benefits. We recommend that you consult with the Trustee if you have doubts on how you are being affected.
  • Fees and charges of a MPF conservative fund can be deducted from either (i) the assets of the fund or (ii) members’ account by way of unit deduction. The BOC-Prudential MPF Conservative Fund uses method (i) and, therefore, unit prices/NAV/fund performance quoted have incorporated the impact of fees and charges.
  • If you are in doubt about the meaning or effect of the contents of the information in this website, you should seek independent professional advice.

 

My Choice Mandatory Provident Fund Scheme

IMPORTANT INFORMATION 

  • You should consider your own risk tolerance level and financial circumstances before making any investment choices. When, in your selection of Constituent Funds, you are in doubt as to whether a certain Constituent Fund is suitable for you (including whether it is consistent with your investment objectives), you should seek financial and/or professional advice and choose the Constituent Fund(s) most suitable for you taking into account your circumstances.
  • You should consider your own risk tolerance level and financial circumstances before investing in the MPF Default Investment Strategy (as defined in section 6.7 (MPF Default Investment Strategy)). You should note that the My Choice Core Accumulation Fund and the My Choice Age 65 Plus Fund may not be suitable for you, and there may be a risk mismatch between the My Choice Core Accumulation Fund and the My Choice Age 65 Plus Fund and your risk profile (the resulting portfolio risk may be greater than your risk preference). You should seek financial and/or professional advice if you are in doubt as to whether the MPF Default Investment Strategy is suitable for you, and make the investment decision most suitable for you taking into account your circumstances.
  • You should note that the implementation of the MPF Default Investment Strategy may have an impact on your MPF investments and accrued benefits. We recommend that you consult with the Trustee if you have doubts on how you are being affected.
  • Fees and charges of a MPF conservative fund can be deducted from either: (i) the assets of the fund; or (ii) members’ account by way of unit deduction. The My Choice MPF Conservative Fund uses method (i) and, therefore, unit prices/NAV/fund performance quoted have incorporated the impact of fees and charges.
  • If you are in doubt about the meaning or effect of the contents of the information in this website, you should seek independent professional advice.

 

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