赚了2192亿港元 创纪录

Core Insights - In 2025, Hong Kong's Mandatory Provident Fund (MPF) achieved a record investment return of HKD 219.2 billion, marking the highest annual performance since the system's inception [1][3] - The average annual return rate for all funds in the MPF system reached 16.73%, making 2025 the fourth-best year since the MPF was established [1][3] Fund Performance - The total assets of the MPF system reached HKD 1.554 trillion by the end of 2025, benefiting from both record investment returns and contributions [2][3] - Each member of the MPF system earned an average profit of HKD 45,728 in 2025, with the average balance per member increasing to HKD 324,100, up HKD 54,749 from the beginning of the year [3] - Hong Kong and mainland Chinese stocks were the best-performing asset class within the MPF, with a return of 31.27%, the highest since 2017 [3] Cumulative Returns - Stock funds accounted for 46% of the total MPF assets, with an average cumulative net return of 240.5% and an annualized net return of 5.0% [4][6] - Mixed asset funds represented 34% of total assets, achieving a cumulative net return of 201.3% and an annualized net return of 4.5% [4][6] - Bond funds, guaranteed funds, and money market funds had lower cumulative returns, with bond funds at 58.6% and guaranteed funds at 35.4% [6] Default Investment Strategy - The Default Investment Strategy (DIS), launched in 2017, has gained popularity, with core accumulation funds under DIS achieving an average cumulative net return of 77.6% and an annualized net return of 6.9% [7] - The DIS strategy employs a diversified investment approach and has a fee cap, benefiting over 10 million member accounts [7] Future Initiatives - The MPF Authority plans to implement several measures, including promoting voluntary contributions, increasing minimum and maximum contribution income levels, and optimizing the DIS [8]