Group 1 - The median ideal retirement savings for respondents is HKD 3.294 million, but 72% of respondents have insufficient retirement savings, with an average shortfall of HKD 2.564 million, indicating a potential delay of 12.8 years in retirement [1] - Nearly 60% of respondents do not have a clear retirement savings plan, highlighting a gap between awareness of financial pressure in retirement and proactive planning [1] - The survey, conducted from August 13 to August 31, involved 1,003 employed Hong Kong residents aged 18 to 65 with at least one MPF account, exploring their goals and perceptions regarding ideal retirement [1] Group 2 - Respondents expect only about 30% of their retirement savings to come from the MPF, and many find it challenging to make investment decisions regarding MPF funds: 65% feel difficulty in selecting funds, 57% are unclear about the differences between fund types, 56% do not understand how to interpret performance, and 45% are unaware of their MPF account's actual annual investment return [1] - Nearly 70% of respondents believe that smart technology can help build better-performing MPF investment portfolios, indicating that technology-enabled tools can enhance confidence in retirement planning [1] - Among respondents, those from the 60s prefer mixed-asset funds for their MPF investments, while Generation Z shows a clear preference for stock funds, with 69% favoring MPF stock funds overall [2]

Core Viewpoint - The meeting between Hong Kong MPF trustees and the institution responsible for compiling the MPF index focused on assessing the potential impacts and response strategies if the US credit rating is further downgraded, leading to forced sales of US Treasury bonds by MPF funds [1] Group 1 - Hong Kong MPF trustees are evaluating the implications of a potential downgrade in the US credit rating [1] - The discussion includes strategies for managing the forced sale of US Treasury bonds by MPF funds [1]