Core Insights - The AQUMON MPF "Composite Fund Index + Inflation Index" achieved a positive return of 0.81% in July, continuing the upward trend from May and June, indicating market stabilization and breaking the negative expectations of "poor performance in May and June" [1] - The number of MPF accounts with accumulated assets of HKD 1 million or more has surpassed 125,000, nearly doubling from 63,000 five years ago, reflecting the long-term growth potential of MPF and increasing public engagement in retirement savings [1] - For a 22-year-old graduate who starts contributing to MPF immediately, the median asset value could reach HKD 670,000 by age 40, with well-managed members potentially exceeding HKD 1 million, demonstrating the effectiveness of MPF in accumulating retirement savings [1] Investment Strategies - Members aged 40 should adopt a more proactive investment strategy, as they still have about 20 years until retirement at age 65, allowing them to catch up on their retirement planning [2] - It is recommended for members to review their investment portfolios at least biannually and make timely adjustments based on market changes and risk tolerance [2] - Members are encouraged to consider voluntary contributions to leverage the "snowball effect" and "dollar-cost averaging" for gradual asset accumulation, positioning MPF as a robust retirement savings tool [2]