Everyone has different definition of ideal retirement life. Some people want to travel around the world, while others may wish to buy overseas properties as vacation homes. There are also some who would choose to spend more time with their family. Whatever way you choose to retire, you should always include a retirement savings plan. Start early when you are young, and you will be able to enjoy the compound interest more effectively or even bring about unexpected returns.

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Investment involves risks. This information is for general reference only.

Click here to download the PDF file

Investment involves risks. This information is for general reference only.

Click here to download the PDF file

Investment involves risks. This information is for general reference only.

What is Greenwashing?

The word greenwashing is defined as “expressions of environmentalist concerns especially as a cover for products, policies, or activities” . Greenwashing is a play on the term "whitewashing," which means using misleading information to gloss over bad behavior.

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Investment involves risks. This information is for general reference only.

Click here to download the PDF file

Investment involves risks. This information is for general reference only.

A mutual fund is an integrated investment vehicle that brings together many different investors. In accordance with the fund's investment objectives, professional fund managers will invest in various types of asset classes including stocks, bonds or other investment tools.

How do mutual funds work?

Do you worry about your standard of living when you retire? How much money do you need to live the life you desire? How much money is enough? If you do not have any figures in your mind, it is a warning signal. Once you recognize you are not saving enough for the future, voluntary savings may be a way out.  

Stocks and shares or bricks and mortar may be the universally-recognized “ways to wealth generation”, but for most of us who work a nine to six job, time is simply too scarce for us to keep up with the stock market day and night. Nor do we have sufficient savings to be used as investment principal. This calls for more flexible investment alternatives, such as making additional MPF contributions, to help increase investment returns.

The foundation of good management of MPF is to understand the performance of MPF funds and the level of fees. The performance of the fund cannot be calculated solely based on a very short period as the MPF is a long-term investment and there is little benefit being too concerned about short-term market fluctuations. In addition to returns, employees should also pay attention to the fund expense ratio, as this will directly affect the return on your MPF investment.