10th October 2025
The world of MPF is constantly evolving—with new options, technologies, and platforms (hello, eMPF!). It’s easy to feel overwhelmed and wonder if your current scheme truly works for you. Where do you even start to figure out what really matters for your retirement savings? We get it—it’s a big deal!
That’s where MPF Ratings comes in. We do the hard work so you don’t have to. With MPF celebrating its 25th anniversary this December, the 14th edition of “The MPF Awards” just around the corner, and schemes already preparing to showcase their strengths for the 2026 ratings, now is the perfect time to remind you why MPF Ratings makes it simple for members to make informed decisions in an often-confusing market.
So, we’ve cooked up three easy-to-understand ratings: Gold, Silver, and Bronze.
Our Gold rating goes to the schemes that offer the absolute best “Value for Money.” Schemes providing good or fair value earn our Silver and Bronze ratings, respectively. So, naturally, you’ll want to aim for Gold!
We believe that schemes offering better value provide a superior overall MPF experience. This doesn’t just mean good investment outcomes; schemes must also demonstrate solid governance, a good range of fund choices, smart use of technology, a commitment to clear communication and member education, and a willingness to be socially and environmentally responsible. All these factors help you get the most out of your retirement savings.
So, how do we decide? MPF Ratings’ comprehensive methodology looks at every angle of an MPF scheme, using both public information and direct insights from the schemes themselves. Our “Value for Money” assessment focuses on three key areas, broken down into quantitative (the numbers) and qualitative (the subjective experience) evaluations.
Quantitative Assessment:
- Fund Choices & Performance: We analyse 1, 3, 5, and 10-year absolute and risk-adjusted performance, alongside the breadth of fund options. This is crucial because MPF is about long-term, diversified investing, not just a single timeframe or fund.
- Fees & Charges: We scrutinize stated management fees and all fund expenses. These charges can impact your retirement nest egg as they come directly out of your pocket.
Qualitative Assessment:
- This category covers all the factors that make a scheme truly exceptional, including business strength, technological innovation, member and employer experiences, communication and education, governance, and sustainable investing efforts. While strong performance is important, would you settle for a scheme with subpar service standards?
It’s all about finding the right balance. Gold rated schemes stand out because they deliver exceptional overall value across all our key assessment criteria.
MPF Ratings provides public ratings of all MPF schemes to give you a simple and straightforward guide for making informed decisions about the best value scheme for your MPF journey. As we like to say, we’re here to do the heavy lifting for you!
And who are our current Gold rated schemes?
- AIA MPF – Prime Value Choice
- BCT (MPF) Pro Choice
- BEA (MPF) Value Scheme
- BOC-Prudential Easy-Choice Mandatory Provident Fund Scheme
- My Choice Mandatory Provident Fund Scheme
- Fidelity Retirement Master Trust
- Hang Seng Mandatory Provident Fund – SuperTrust Plus
- HSBC Mandatory Provident Fund – SuperTrust Plus
- Manulife Global Select (MPF) Scheme
- Sun Life Rainbow MPF Scheme
The question is, will they retain their Gold ratings in 2026? Follow us on our social media to find out.
This article was written by MPF Ratings, Hong Kong’s independent provider of MPF research, views, and education. The information in this blog is general in nature and does not consider your personal situation. You should assess whether the information meets your needs and, where appropriate, seek professional advice from a financial adviser.
