Principal MPF – Smart Plan

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    When can you withdraw your MPF?

    Once you reach the age of 65, you can choose to withdraw your MPF by lump sum or by instalments, or you can retain your MPF in the member’s account.

    You can also withdraw your MPF by lump sum or by instalments upon early retirement at the age of 60. By law you can withdraw your MPF early on the following six grounds:

    Early Retirement

    Permanent Departure from HK

    Small Balance

    Death

    Terminal Illness

    Total Incapacity

    • The law does not stipulate any deadlines for withdrawing MPF. You should consider your personal needs before making a withdrawal application. If you choose to retain all your MPF in your account, no application is required. Your MPF will continue to be invested in the fund(s) you have selected.
    • Forms for withdrawal of MPF can be downloaded via the link:
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      Administration Forms

      Principal MPF – Smart Plan

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    • If you have any questions relating to withdrawal of MPF, please contact our customer service hotline at 2802-2812/2885-8011 or visit our website at principal.com.hk.

    Remark: Your voluntary contributions under a contribution account can only be withdrawn upon the termination of your employment.