Independent WMO · The Only Ongoing MPF Investment Advice

Is Anyone Actively Managing Your MPF?

We are an independent Wealth Management Office, not representing any bank or insurer — 100% on your side. The only MPF advisory service in the market that provides ongoing investment advice. We compare all seven major providers for free and use technical analysis to proactively adjust your portfolio.

Free MPF Portfolio Review → Why Choose Us?
1983
Founded in Singapore
$10B+
Group AUA (HKD)
7
MPF Providers Covered
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The Only One

Ongoing MPF Investment Advice

Not a one-off review — our professional investment team uses technical analysis to continuously monitor your portfolio, proactively advising adjustments based on market changes.

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Independent WMO

Client Interest First

Independent Wealth Management Office, not representing any bank or insurer — not their agent, YOUR agent. Full market product selection.

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Completely Free

SFC licensed institution — portfolio analysis, provider comparisons, and ongoing advice — all completely free. No hidden fees.

Core Services

CSPF & MPF — Do You Know the Difference?

Many people have worked for over a decade without fully understanding their retirement scheme. That confusion could cost you hundreds of thousands at retirement.

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CSPF — Civil Service Provident Fund

For civil servants who joined after June 2000. Your retirement benefit comes from three sources: the government's contribution, your own contribution, and investment returns. But do you know how much picking the wrong fund could cost you?

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MPF — Mandatory Provident Fund

Both employer and employee contribute 5% each month, capped at HK$1,500/month. Sounds modest? Over 30 years of compounding, it adds up. Yet 90% of people have never actively chosen their funds — the return gap can exceed HK$1 million.

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TVC — Tax Deductible Contributions

Tax Deductible Voluntary Contributions (TVC) allow up to HK$60,000 per year in tax deductions — saving on tax while building your retirement nest egg. Especially valuable for high earners, but choosing the right plan matters.

CSPF vs MPF at a Glance

Comparison CSPF MPF
Eligibility Civil servants who joined after June 2000 Employees / self-employed aged 18–65
Employer Contribution 15% or 25% (based on service years) 5% (capped at $1,500/month)
Employee Contribution Voluntary (0–5%) Mandatory 5% (capped at $1,500/month)
Fund Selection Provided by designated trustee Employer selects trustee; you choose funds
Withdrawal Age Upon retirement (civil service retirement age) Age 65 (early withdrawal in special cases)
Tax Deductible Contributions Yes (for additional contributions) TVC up to $60,000/year deductible
eMPF Integration Not applicable Rolling out from 2025
Retirement Planning

You Think You Have Enough — the Numbers Say Otherwise

Assuming retirement at 60 and a life expectancy of 85, that's 25 years of living expenses. Most people significantly underestimate what they'll need.

Retirement Need $7,500,000
Projected MPF Balance $2,800,000
Other Savings $1,500,000
Retirement Gap $3,200,000
Typical middle-class retirement shortfall
Up to HK$3.2 million
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    Inflation Erodes Purchasing Power
    At 3% inflation, today's $25,000 monthly spend becomes $52,000 in 25 years
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    Healthcare Costs Surge
    After age 65, medical expenses typically account for over 30% of retirement spending
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    Longevity Risk
    Hong Kong has the world's longest life expectancy — your money could run out before you do
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    The Earlier You Plan, the Smaller the Gap
    Starting at 30 vs. 40 can mean a difference of over HK$2 million at retirement
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    It's Not About Earning Less — It's About Planning Better
    Wrong fund picks, unused TVC allowance, no rebalancing — all fixable with the right advice
Free · Independent Advice · Ongoing Support

Free MPF Portfolio Review + Ongoing Investment Advice

Our independent WMO provides a comprehensive review — not just a one-off check, but ongoing portfolio monitoring with technical analysis, proactively advising you on adjustments.

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Send Your MPF Statement

Just share your latest MPF annual benefit statement or eMPF screenshot

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Independent Professional Analysis

From an independent WMO standpoint, we compare fund performance, fees, and asset allocation across seven providers to find the best solution

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Get Personalised Advice

Based on your age, risk tolerance, and retirement goals, we craft a tailored adjustment plan

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Ongoing Investment Advice (The Only One)

The only service in the market — our professional team uses technical analysis to continuously monitor your portfolio, proactively advising you on the best time to adjust

WhatsApp Me for a Free Review →

Completely free · No hard sell · Your data stays confidential

Services

Independent WMO One-Stop MPF Advisory

Not representing any bank or insurer, 100% on your side — from analysis, comparison, and planning to ongoing support, all completely free.

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Cross-Provider Fund Comparison

From an independent standpoint, we use the latest data to compare fund performance, fees, and risk across seven major providers — not limited by any single company.

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Ongoing Investment Advice (The Only One)

Our professional investment team across Hong Kong and Singapore uses technical analysis to continuously monitor your portfolio, proactively advising you on the best time to adjust.

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CSPF Strategy

Tailored for civil servants — we analyse your CSPF fund allocation, model long-term return differences, and help you choose the right mix.

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Retirement Gap Analysis

Based on your income, expenses, assets, and target retirement age, we calculate your actual retirement shortfall. The numbers don't lie.

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TVC Tax Planning

Tax Deductible Voluntary Contributions can save up to HK$10,200 in tax per year. We help you determine how much to contribute and which plan to choose.

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SFC Licensed · Completely Free

SFC licensed institution, founded in 1983, 19 years of Hong Kong experience. Portfolio analysis, provider comparisons, ongoing support — all completely free.

Fund Category Comparison

Which Fund Category, Which Provider Performs Best?

Pick the equity fund category you care about and compare 1-year returns across all seven MPF providers at once.

ProviderFund NameYTD1Y Return

Data source: AAStocks · As of 2026/05/29 · Returns are net of Fund Expense Ratio (FER)
Fund composition and sector/regional allocation may differ between providers — the above compares the closest-matching fund per category, for reference only, and does not constitute investment advice.
Want to see how your fund ranks? WhatsApp me for a free comparison →

About Me
Wing Yeung — Senior Wealth Management Advisor

Wing Yeung

Senior Wealth Management Advisor at IPP International Wealth Management Limited. IPP was founded in Singapore in 1983 and landed in Hong Kong in 2006. The group's assets under advisement exceed HKD 10 billion, covering Singapore, Malaysia, Indonesia, and Hong Kong.

As an independent Wealth Management Office, we do not represent any insurer or bank — 100% on the client's side. Our professional investment team comprises experts from Hong Kong and Singapore, using technical analysis to select champion funds for you. My mission: help working professionals reclaim the freedom to choose.

SFC Licensed Independent WMO MPF Strategy CSPF Planning Retirement Planning High-Net-Worth Wealth Management
Learn more about Wing →
Common Questions

FAQ

The questions we get asked most, answered in one place.

Yes, 100% free. We'll analyse your MPF portfolio and provide recommendations. After that, you can implement the changes yourself or ask us for help — entirely your choice, with zero pressure.

The CSPF (Civil Service Provident Fund Scheme) is a retirement scheme for civil servants who joined after June 2000. The employer contribution rate is significantly higher than MPF (15–25% vs. 5%), but fund options and management differ. Message us for a detailed breakdown tailored to your situation.

It's never too late — but the sooner you start, the better. Even with 10–15 years to retirement, choosing the right funds and setting up TVC contributions can make a significant difference. The key is to start now.

If your marginal tax rate is 15% or 17%, contributing the full HK$60,000 per year to TVC can save you HK$9,000–$10,200 in tax. Combined with investment returns, it's very worthwhile long-term. But choosing the right TVC plan matters — fund options and fees vary widely.

We cover seven major providers: Manulife, AIA, Sun Life, BOCL (Bank of China Life), BCT, BEA (Bank of East Asia), and Principal. Together, they serve the vast majority of Hong Kong's workforce.

Absolutely. Your MPF statements and personal information are used solely for analysis purposes and are kept strictly confidential. As a licensed advisor regulated by the SFC, we are bound by rigorous client data protection requirements.

Ready?

Don't Wait Until Retirement to Find Out You're Short

Independent WMO — free comparisons across seven providers, portfolio analysis, and ongoing support.
The only ongoing MPF investment advice service — completely free.

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