Core Insights - The Hong Kong Mandatory Provident Fund (MPF) assets reached a record high for the seventh consecutive time, despite a slight market decline in November [1] - The average satisfaction rating for MPF returns is only 5.2 out of 10, indicating a psychological gap among investors despite a return exceeding 15% from early 2025 to the third quarter [1] - There is a need for increased investor education to help individuals understand fund selection, risk diversification, and proactive account management [2] Group 1: Market Performance - The AQUMON MPF "Composite Fund Index + Inflation Index" recorded a slight decline of -0.25% in the second half of 2025, although the overall annual performance remains strong [1] - As of the third quarter of this year, the average return for MPF members exceeded 15%, with total assets reaching HKD 1.53 trillion [2] Group 2: Investor Sentiment - The average expected annual return for MPF over the next five years is perceived to be 6.4%, reflecting a disconnect between market performance and investor satisfaction [1] - Many investors show a lack of understanding regarding MPF investment performance, leading to a "disinterested" attitude towards their investments [1] Group 3: Recommendations - It is recommended that trustees provide more educational resources to help investors actively manage their accounts and understand the importance of long-term investment strategies [2] - Regular reviews of MPF investment portfolios are essential for long-term financial planning, and automated tools can help ensure timely adjustments [2]
调查：香港强积金满意度为5.2分 受访者认为未来5年合理年均回报率为6.4%
Zhi Tong Cai Jing·2025-12-05 06:17