17 April 2026
When it comes to your MPF, getting real value for your money is what matters most for a secure retirement.
But what does “value” truly mean in the context of your retirement savings? It’s not just about the lowest fees or a single year of high returns, although those are important considerations. True value lies in a powerful balance of competitive fees, diligent management, consistent long-term growth, and high-quality service from a scheme you can trust. It’s about ensuring every dollar you contribute is working hard to grow your savings through all market conditions, whether bullish or bearish. This holistic approach ensures your retirement nest egg is not just preserved, but actively nurtured over time.
To celebrate 25 years of the MPF system and highlight the critical importance of sustained, long-term performance, we introduced a new award—the “Diamond Choice” award—at the 2026 edition of the MPF Awards. This prestigious award honours the scheme that has delivered the best after-fee returns since the MPF system began in 2000*, a testament to a quarter-century of excellence.
This is particularly important because many factors can affect value for money, from administrative costs to investment strategies and fund performance. A scheme that consistently delivers superior value across such a long timeframe deserves special recognition for its resilience and member-focused approach.
We were pleased to announce that the inaugural winner of this new award was the Sun Life Rainbow MPF Scheme. This significant achievement highlights their long-standing commitment to providing members with meaningful, long-term value through strong, consistent growth and prudent fund management.
Sun Life is the third-largest MPF service provider in the market, with its scheme assets under management reaching approximately HK$169.9 billion as of the end of 2025. This represents 470% growth over the past decade, which also won them the 10-Year Fast Mover Award at the 2026 MPF Awards. They also achieved 3820.5% asset growth since inception. Behind this growth is a member-centric, diversified fund structure. The scheme offers a total of 19 Constituent Funds across different asset classes, including bonds and equities, designed to meet the needs of members with varying risk profiles.
Choosing a scheme recognised for sustained performance is a good metric to use when evaluating your options. While market returns are unpredictable (especially now), you can manage your risk by sticking to fundamental investment principles: diversification, long-term holding, and regular portfolio review. This approach, combined with a strong-performing scheme, can give you confidence that your retirement savings are well-positioned for the future.
*Source: MPF Ratings
The information contained in this blog is not advice, it is for educational purposes, general in nature and does not take into account personal situations. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser.
