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 [2][4] - The annual return rate reached 16.73%, making 2025 the fourth-best year in terms of returns since the MPF was established [2] - The total assets of the MPF reached HKD 1.554 trillion by the end of 2025, benefiting from strong contributions and investment performance [3][4] Investment Performance - The average profit per member was HKD 45,728, with the strong performance of Hong Kong and mainland Chinese stocks contributing significantly, showing a 31.27% increase, the best performance since 2017 [4] - The MPF's total assets increased by HKD 54,749 per member compared to the beginning of the year, with an average balance of HKD 324,100 [4] Fund Categories - As of October 2025, stock funds and mixed asset funds, which account for 80% of the total MPF assets, recorded cumulative net returns of 240% and 200%, respectively, outperforming the annual inflation rate of 1.8% [6][7] - The performance of various fund types since 2000 includes: - Stock Funds: 46% of total assets, 240.5% cumulative net return, 5.0% annualized net return - Mixed Asset Funds: 34% of total assets, 201.3% cumulative net return, 4.5% annualized net return - Bond Funds: 4% of total assets, 58.6% cumulative net return, 1.9% annualized net return - Guaranteed Funds: 5% of total assets, 35.4% cumulative net return, 1.2% annualized net return - Money Market Funds: 11% of total assets, 27.3% cumulative net return, 1.0% annualized net return [7] Default Investment Strategy - The Default Investment Strategy (DIS), launched in 2017, has gained popularity, with core accumulation funds under DIS achieving an average annualized net return of 6.9% [8] - More MPF plans have joined the MPF Easy platform, which caps administrative fees at 0.37%, benefiting over 10 million member accounts [8]