Your MPF is being
quietly eaten
alive by fees.

The average Hong Kong MPF fund charges 1.54% per year — silently compounding against your retirement for decades. We do the maths so you know what you're really losing.

Calculate My Losses Get Free MPF Guide

1.54%

Average HK MPF expense ratio

0.3%

Best available fund fees in HK

30yrs

How long fees silently compound

3.5M

HK scheme members affected

MPFA Average Fee: 1.54% ◆ Lowest Fee Fund: 0.3% ◆ 3.5 Million HK Scheme Members ◆ Mandatory Contribution: 5% Employee + 5% Employer ◆ Relevant Income Cap: HK$30,000/month ◆ Retirement Age: 65 ◆ MPFA Average Fee: 1.54% ◆ Lowest Fee Fund: 0.3% ◆ 3.5 Million HK Scheme Members ◆ Mandatory Contribution: 5% Employee + 5% Employer ◆ Relevant Income Cap: HK$30,000/month ◆ Retirement Age: 65 ◆

Why This Matters

MPF was designed to help you. The fees were not.

Hong Kong's MPF fees are among the highest in Asia — yet most people have no idea which funds they're in, what they're paying, or what the difference costs over 30 years.

This isn't an accident. Complexity benefits the fund managers. Independent, plain-language information is nearly impossible to find.

MPFTips exists to change that.

😤

"My MPF is just dead money"

Most people ignore their MPF completely — which is exactly what fund managers want. Apathy = unchallenged fees.

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"The fund documents make no sense"

MPFA reports are dense, jargon-filled and designed for compliance — not for you to understand.

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"I don't know if I can do better"

You almost certainly can. Fund choice, consolidation, and voluntary contributions can dramatically improve your outcome.

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