Hi guys,

For those who have got a MPF account in Hong Kong, you may consider another investment tool.

There is one MPF provider who have two guaranteed return fund.

1. A fund which provide 3% return after all administrative expenses (reflected by having a constant increase in unit price)
2. A fund which provide at least 3.5% return after all administrative expenses (but you will have to withdraw money after 31/12 every for the guarantee term to take effect) (average return over 10 years is 5.79%, with no loss in each year)

You may open an additional account if you are eligible, while putting extra money in it. Different from other MPF accout, this account allows you to withdraw money at any time (with some processing time lag).