Practical breakdowns of Hong Kong's MPF and Civil Service Provident Fund system — policy updates, fund strategy, retirement planning cases — written by licensed advisor Wing Yeung, updated weekly.
MPF and CSPF rules, provider products, and policy details change constantly — but most working people and civil servants don't have time to track ten separate provider websites. This articles hub has one simple goal: break down Hong Kong's complex retirement fund system into practical, usable content, so you don't wait until retirement to discover you missed something important.
Coverage includes MPF fund strategy, CSPF comparisons, contributions and tax benefits (like TVC), MPFA policy updates, and real case studies. Updated weekly, and every piece is reviewed by a licensed wealth management advisor — not generic AI-generated content.
The eMPF platform has completed full onboarding and MPF administration fees just hit a historic low. But that fee cut only fixes what you pay for admin — whether your fund allocation itself still makes sense is still on you.
MPF Ratings data: within the same MPF system, H1 returns between the best and worst funds differed by 126 percentage points. What high earners need to know.
DIS automatically reduces equity exposure from age 50, but this one-size-fits-all approach may not suit high earners. 3 points worth considering.
The Civil Service Bureau has awarded a new 10-year contract, effective 1 August, with HSBC, Manulife, and Sun Life. Summarised from the original official announcement.
These areas don't have articles yet — they're being written now.
Anonymised real-world scenarios showing how to calculate a retirement gap and close it.
This page updates weekly. Follow @saveyourmpf or leave us your WhatsApp to be the first to know when new articles go live.