Core Insights - The Hong Kong Investment Funds Association (HKIFA) survey indicates that Mandatory Provident Fund (MPF) savings are the most frequently mentioned source of expected retirement income among working individuals (63%) and retirees (49%), highlighting the MPF's central role in the retirement security system [1] Group 1: Investment Behavior - 76% of respondents review their MPF investment portfolios at least annually, indicating a reasonable level of engagement [1] - The primary factors driving portfolio adjustments are current fund performance and market volatility, which may lead to "buy high, sell low" outcomes [1] - Employees are encouraged to establish a balanced and diversified investment portfolio based on different life stages, financial goals, and risk tolerance, with regular reviews and management [1] Group 2: Asset Preferences - Stock investments remain the most common asset class within MPF, with over 80% of respondents holding related allocations, and Hong Kong stocks are the most favored investment option overall [1] - Looking ahead to the next 12 months, respondents show a preference for stocks in Hong Kong, China, and the United States [1] - 53% of respondents believe the current types of funds available are sufficient, particularly among those aged 50 and above [1] Group 3: Future Investment Options - Sustainable development funds are the most desired new investment option for MPF plans, with 37% of respondents expressing interest, followed by advanced industry funds (31%) and high-yield bond funds (30%) [1]