香港财库局副秘书长高怡慧表示，强积金计划加入"积金易"后的行政费，预计可减少57%至65%，幅度 大于原先预期。 有立法会议员对平台的运作，包括基金买卖的时间差，以及注册登记的方便程度提出意见。"积金易"平 台有限公司行政总裁吕志坚表示，接获的投诉率一直减少，过往接获的投诉，很多是涉及目前已经停用 的电子身份认证eKYC。 智通财经APP获悉，香港积金局行政总监郑恩赐在立法会会议上表示，已设定目标，明年将"积金易"平 台下强积金计划的行政费，由目前的0.37%降至0.3%以下。 ...

Group 1 - The average net return of the Mandatory Provident Fund (MPF) in Hong Kong for this year is reported to be 16% [1] - The MPF has been established for 25 years, with 17 years recording net returns, and an annualized net return rate of 4% [1] - The average net returns for stock funds, mixed asset funds, and bond funds this year are 25%, 16.3%, and 5.6% respectively [1] Group 2 - The chairman of the MPF Authority, Liu Mai Jiaxuan, announced that the fees for the MPF Easy platform will be further reduced in the fiscal year 2026/27, with administrative fees expected to drop below 30 basis points [1] - Currently, 11 trustees have joined the MPF Easy platform, with HSBC expected to join by the end of the month [1] - Since the implementation of the MPF system in December 2000, the annualized average net return over 25 years has been 4%, significantly outperforming the annualized inflation rate of 1.8% during the same period [1]

Core Insights - The MPF Easy platform, launched in June last year, has seen 17 MPF schemes managed by 10 trustees join, representing approximately 43% of the total MPF assets [1] - As of the end of September this year, the platform has processed over 1.6 million administrative instructions, including contributions and withdrawals [1] - The platform received around 2,400 complaints since its launch, with over 90% addressed within the service commitment timeframe, typically taking about 10 to 12 working days [1] Group 1 - The number of staff dedicated to handling MPF Easy-related inquiries and complaints has increased by over 60% in the past three months, from approximately 500 at the end of June to over 800 by the end of September [2] - The plan is to further increase staffing to over 1,100 by the end of this year, more than doubling the workforce in six months to enhance user experience and prepare for larger trustees joining the platform [2] - Measures have been implemented to optimize the complaint handling mechanism, including assigning customer service staff to follow up on cases, improving system interfaces for frontline staff, and providing appropriate training [2]

Core Insights - The implementation of the "MPF Easy" platform is in its final stages, with the four largest MPF trustees set to join in succession starting September [1][2] - Since its launch, "MPF Easy" has seen 8 trustees and 15 MPF schemes join, processing over 1 million administrative instructions, with more than 60% submitted electronically [1] - A total of 10 MPF schemes and 110 funds are set to reduce administrative fees, with 236 out of 378 funds expected to lower fees to a maximum of 37 basis points, benefiting over 10 million member accounts [1] - Future projections indicate that administrative fees could further decrease to between 20 to 25 basis points, with estimated reductions of 57% to 65% compared to previous estimates [1] Group 1 - The four trustees joining "MPF Easy" include AIA, Manulife, Sun Life, and HSBC, managing nearly 75% of MPF assets and involving 7.5 million accounts [2] - AIA, Manulife, and Sun Life's MPF schemes will join in September, October, and November respectively, while HSBC's plans will be onboarded from December to early next year [2]

Group 1 - The population of elderly individuals aged 65 and above in Hong Kong is projected to rise from 20.5% in 2021 to 36% by 2046, prompting the government to promote financial security and wealth management for seniors [1] - The core pillar of Hong Kong's retirement security is the Mandatory Provident Fund (MPF), with approximately 1.5 million accounts held by individuals aged 60 and above, totaling HKD 180 billion, which accounts for 14% of the total MPF assets [1] - The Hong Kong government is working with the MPF Authority to enhance investment options and optimize returns, addressing public concerns regarding fees and investment choices [1] Group 2 - The launch of the MPF Easy platform in June last year is a significant reform, improving operational efficiency and reducing administrative costs, allowing citizens to manage their MPF accounts more conveniently [2] - MPF Easy utilizes financial technology to address long-standing issues within the MPF system, reinforcing its role as a pillar of retirement security for the elderly and stimulating the elderly economy [2] - The "HKMC Retirement 3 Treasures" initiative includes the Elderly Mortgage Scheme, Reverse Mortgage Scheme, and Hong Kong Annuity Scheme, aimed at converting assets into stable income sources for retirees [2] Group 3 - The Elderly Mortgage Scheme allows homeowners to unlock the value of their property, providing a fixed monthly income while continuing to reside in their homes, with over 8,400 applications approved as of June this year [3] - The Reverse Mortgage Scheme enables borrowers to use life insurance policies as collateral, converting death benefits into immediate cash flow, with the loan repaid from the insurance payout upon the borrower's death [3] - The Hong Kong Annuity Scheme offers lifelong annuities, with total premium applications reaching HKD 23.9 billion since the company's establishment, and a fourfold increase in premiums in the first half of this year compared to the same period last year [3]