Employees
Account consolidation, fund allocation, retirement goals. Get clear on where you stand first, then discuss the direction that suits you.
Explore MPF planningMPF × CSPF · SFC-licensed independent WMO
Your MPF deserves
proper management.
From understanding where you stand,
to reviewing your allocation,
to ongoing follow-up.
You pay in every month.
It's worth a regular look.
Work and life keep changing.
Has your retirement allocation kept up?
Do you know which funds you actually hold?
Does your allocation still fit your goals?
When did you last review it?
From one statement,
a clearer picture.
Accounts, funds, contributions, goals,
scattered in different places.
See what you have today,
then you know the next step.
One chat is where ongoing follow-up begins.Book a free review
- 01
Understand where you stand
We go through your accounts, funds and goals, starting from what you need.
- Accounts
- Funds
- Contributions
- 02
Review your allocation
We discuss risk, fund choices and allocation direction, and explain every decision.
- Risk
- Fund choice
- Allocation
- 03
Keep following up
We review regularly, and follow up with advice when markets or your needs change.
- Reviews
- Market shifts
- New goals
Different roles,
different retirement homework.
Real case · shared with the client's consent
An MPF account can turn from loss to gain:
this isn't hype, it's a real case
A senior civil servant's MPF account went from a HK$540,000 loss to a gain of over HK$1.1 million within a year and a half, a swing of more than HK$1,660,000.
- The problem
- Ever since joining, contributions had gone all-in to a single fund and were never switched. There was no defence in falling markets, and the account kept losing without them knowing.
- What I did
- After taking over the case, I ran a full portfolio analysis and risk assessment straight away, then reallocated the fund mix on the advice of the firm's professional investment team.
- The result
- A year later the account went from a HK$540,000 loss to a HK$570,000 gain. Now, a year and a half in, the accumulated gain is over HK$1.1 million.
- Senior civil servant case
- Shared with the client's consent, data anonymised
- Followed up by an SFC-licensed advisor
| At takeover | −HK$540,650 |
|---|---|
| After one year | +HK$567,881 |
| After a year and a half (now) | +HK$1,126,127 |
| Total swing in account value over a year and a half | Over HK$1,660,000 |
*Shared anonymously with the client's consent. Account details have been blurred and are for reference only; this does not apply to every situation. Investment involves risk, and past performance is not indicative of future returns. Actual results vary with individual portfolios, contributions and market conditions.
Do your homework first,
then decide.
Do the homework yourself, or talk it through first.
Pick the question you most want answered.
Retirement Gap Calculator
Start from the life you want and estimate what retirement will need.
Fund Comparison
Which fund category, and which provider, performs best? Pick the fund category you care about and compare the returns of all ten MPF providers at once, to see straight away where your fund ranks.
MPF Time Machine
Look back at historical data and explore different allocations. (Chinese only)
MPF × CSPF Articles
In-depth answers to the practical questions in retirement savings.
MPF Retirement Projection
After inflation, how long will your MPF and savings actually last? Compare three scenarios, plus how much more to save each month.
Tool results are for reference only and are not personal investment advice. Past performance is not indicative of future returns.
Independent WMO
one-stop MPF advisory
Not representing any bank or insurer, 100% on your side. From analysis, comparison and planning to ongoing follow-up, all free of charge.
- Cross-provider fund comparison
- An independent stance: we use the latest data to compare fund performance, fees and risk across the ten major providers, not tied to any single company.
- Ongoing investment advice (the only one in the market)
- Our professional investment team across Hong Kong and Singapore monitors with technical analysis, and proactively tells you the best time to adjust as markets change.
- CSPF strategy
- For civil servants: we analyse your CSPF fund allocation, model the long-term return difference and help you choose a suitable mix.
- Retirement gap calculation
- Based on your income, spending, assets and target retirement age, we work out your actual retirement gap. The numbers don't lie.
- TVC tax planning
- Tax-deductible voluntary contributions (TVC) can save up to $10,200 in tax a year. I help you work out how much to contribute and which plan to choose.
- SFC licensed · free throughout
- An SFC-licensed institution, founded in 1983. Portfolio analysis, provider comparison and ongoing follow-up, all free of charge.
MPF × CSPF
in-depth articles
Breaking down the practical questions in Hong Kong retirement savings, written by a licensed advisor and updated weekly.
See all articlesMPF · Retirement Gap Analysis
Withdrawing Your MPF at 65: Instalments, Lump Sum or Stay Invested?
MPFA guidance unpacked: first four withdrawals free, guaranteed-fund terms, price risk and how to apply through eMPF.
MPF · Advanced Asset Allocation
MPF Fund Expense Ratios (FER): How Much Do 0.58% and 2.0% Cost You Over 30 Years?
Official MPFA data: FER spans 2.3 percentage points across 451 funds. See how a cheap vs expensive fund compounds over 30 years.
CSPF · Deep Dive
CSPF vs MPF: What Actually Differs, Side by Side
Contributions, vesting, fund choice and tax compared line by line, using CSB, MPFA and IRD sources.
WING YEUNG / YOUR ADVISOR
Wing Yeung
Listen to what you want first,
then talk through how to set it up.
Senior wealth management advisor · MPF × CSPF
I believe retirement planning should start from the life you have in mind. Understand where you stand and what you want first, then discuss the allocation together and keep following up.
As an independent Wealth Management Office, we don't represent any insurer or bank, and we give advice 100% from the client's side.
IPP International Wealth Management Limited
盈加國際財富管理 · SFC-licensed institution
Before you start,
you might want to know.
What should I prepare for a first conversation?
Start by telling me what you want to understand. When we go further into the analysis, you can prepare your existing MPF or CSPF information as needed; before you send any documents, you can check with Wing what is actually required.
I just want to understand. Can I decide about switching funds later?
Yes. We start by understanding where you stand, discuss your goals and risk first, and only then decide whether anything needs to change. You decide at your own pace.
How do you follow up after the analysis?
We discuss the allocation direction for your situation, then follow up on the portfolio and any changes that are needed. You can ask Wing about the exact arrangements in the first conversation.
Is the free analysis really free? Are there any hidden fees?
Yes, 100% free. I will analyse how your MPF portfolio has performed and give you recommendations. After that you can carry them out yourself or ask me to help, entirely your choice, with zero pressure.
I'm a civil servant. What is the difference between CSPF and MPF?
The CSPF (Civil Service Provident Fund Scheme) is the retirement protection the government set up for civil servants who joined after June 2000. Government contributions rise with years of service, from 5% up to 25% (the MPF employer contribution is 5%). But fund choices and management differ, so you need a separate strategy. Message me and I can break it down for you in detail.
I've never looked at my MPF. Is it too late to start now?
It is never too late, but the sooner the better. Even with only 10–15 years left before retirement, choosing the right funds and adding a TVC set-up can still make a big difference. The point is to start now.
Is TVC (tax-deductible voluntary contributions) worth doing?
If your top tax rate is 15% or 17%, contributing $60,000 a year to TVC can save you $9,000–$10,200 in tax. Add investment returns and it looks very worthwhile over the long run. But you need to pick the right TVC plan: fund choices and fees differ a lot between plans.
Which MPF providers do you cover?
I routinely cover the ten major providers: Manulife, AIA, Sun Life, BOCL (Bank of China Life), BCT, BEA (Bank of East Asia), Principal, Hang Seng, China Life and HSBC. That covers the MPF of most Hong Kong employees.
Will my information be kept confidential?
Yes. Your MPF statements and personal information are used only for analysis and are kept strictly confidential. As a licensed advisor regulated by the SFC, I am bound by strict client data protection requirements.
Start by seeing
your MPF clearly.
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Start with the question you care about most.