About this session
Retirement planning in Hong Kong starts with MPF, but it rarely ends there.
Employees can accumulate mandatory MPF benefits through work, hold personal accounts from previous employment, make additional voluntary contributions, encounter employer voluntary contributions or ORSO arrangements, and build private retirement resources outside the MPF system.
This session helps employees see those pieces as one retirement picture without treating them as interchangeable products.
Participants learn how mandatory MPF contributions work, how eMPF supports account administration, how to read fund risk, fees and performance information, and how the Default Investment Strategy differs from selecting its underlying funds individually.
They also examine account consolidation and transfer concepts without being encouraged to move money simply for the sake of doing so.
The later modules compare ordinary voluntary contributions, Special Voluntary Contributions, Tax Deductible Voluntary Contributions and private retirement plans such as QDAP at an educational level.
Participants then explore what can happen to MPF at retirement, how private income sources may sit alongside it, and what longevity, inflation, healthcare, housing, beneficiaries and other planning questions mean for an ongoing retirement review.
The result is a Hong Kong Retirement Review Checklist rather than a prescribed financial strategy.
What your people take away
- Understand how mandatory MPF contributions, accounts, eMPF and retirement preservation fit together
- Review MPF fund information using risk, fees, objectives, diversification and longer-term performance rather than chasing short-term returns
- Distinguish ordinary voluntary contributions, SVC and TVC and understand why their rules are not interchangeable
- Understand how QDAP, ORSO and other private or employer retirement resources can sit alongside MPF
- Prepare for MPF withdrawal and broader retirement-income questions through a repeatable Hong Kong retirement review
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What each length covers
30 minutes
30 Minutes — Key Points: Understand Your MPF TodayA focused 30-minute session on three key points from Understand Your MPF Today: see where MPF fits in the retirement picture, understand how mandatory contributions enter the account and distinguish contribution accounts from personal accounts.
- See where MPF fits in the retirement picture
- Understand how mandatory contributions enter the account
- Distinguish contribution accounts from personal accounts
Covers 3 of 4 points in Understand Your MPF Today.
60 minutes
60 Minutes — Module 1: Understand Your MPF TodayStart with the retirement system employees already use. Participants map mandatory MPF contributions, contribution accounts, personal accounts and eMPF; locate the information needed to understand their retirement savings; distinguish employer and employee contributions; and identify what happens to MPF as employment changes.
- Module 1: Understand Your MPF Today
- Hong Kong Retirement System Map
- MPF Contribution & Account Map
- Contribution Account vs Personal Account
- eMPF Account Administration
- MPF Information Checklist
- Live Q&A
Covers 1 of 4 parts: Understand Your MPF Today.
90 minutes
90 Minutes — Modules 1 and 2: Understand Your MPF & Review How It Is InvestedBuild on MPF account literacy with a practical framework for reviewing constituent funds, fees, risk, performance information and the Default Investment Strategy. Participants also understand consolidation, transfers and Employee Choice Arrangement concepts without being told to switch a fund or move an account.
- Module 1: Understand Your MPF Today
- Module 2: Review Your MPF Without Chasing Performance
- MPF Fund Information Decoder
- Fees, Risk & Performance Comparison
- DIS Explainer
- Account Consolidation & Transfer Questions
- Live Q&A
Covers 2 of 4 parts: Understand Your MPF Today and Review Your MPF Without Chasing Performance.
3 hours
Covers 3 of 4 parts: Understand Your MPF Today, Review Your MPF Without Chasing Performance and Understand Voluntary Contributions & Private Plans.
Full day
Full Day — Complete Hong Kong MPF & Private Plans WorkshopExplore all four modules with time for MPF account review, fund-comparison exercises, voluntary-contribution scenarios, private-plan comparisons and retirement-withdrawal planning. Participants learn how MPF, additional contributions and private retirement resources fit together and leave with a Hong Kong Retirement Review Checklist rather than a prescribed product or investment strategy.
- Module 1: Understand Your MPF Today
- Module 2: Review Your MPF Without Chasing Performance
- Module 3: Understand Voluntary Contributions & Private Plans
- Module 4: Prepare for Retirement Income & Withdrawal
- eMPF and account-map exercise
- MPF fund information comparison
- DIS education exercise
- VC / SVC / TVC comparison
- QDAP and private-plan characteristics
- MPF retirement-withdrawal map
- Hong Kong Retirement Review Checklist
- Live Q&A
Covers all 4 parts.
Also available as a 4-week or 8-week program, for change that lasts. Ask us about it.
What’s covered
Understand Your MPF Today
Every length- See where MPF fits in the retirement pictureParticipants map MPF as Hong Kong's mandatory employment-related retirement savings system and distinguish it from voluntary employer retirement benefits, ORSO arrangements where applicable, private retirement plans and other personal assets.
- Understand how mandatory contributions enter the accountParticipants learn how employer and employee mandatory contributions are calculated from relevant income within current statutory thresholds and how those contributions become vested MPF benefits.
- Distinguish contribution accounts from personal accountsA contribution account is linked to current employment or self-employment, while personal accounts can hold MPF preserved from previous employment.
- Use eMPF as the administration hubParticipants learn that MPF scheme administration is now handled through the eMPF Platform and identify where contributions, account records and administrative instructions can be managed.
Review Your MPF Without Chasing Performance
90 minutes and longer- Read fund information using the same questionsParticipants compare MPF constituent funds through investment objective, asset exposure, risk level, fees, fund structure and longer-term performance information.
- See how fees & risk affect the retirement journeyParticipants explore how fees compound over long periods and why investment risk can affect retirement savings differently depending on time horizon and circumstances.
- Understand the Default Investment StrategyParticipants learn how DIS uses the Core Accumulation Fund and Age 65 Plus Fund, combines global diversification with fee limits and automatically reduces investment risk as members approach retirement.
- Understand transfers & consolidation before moving an accountParticipants examine personal-account consolidation, transfer rules and Employee Choice Arrangement concepts at a high level.
Understand Voluntary Contributions & Private Plans
3 hours and longer- Distinguish VC, SVC & TVCParticipants compare ordinary voluntary contributions, Special Voluntary Contributions and Tax Deductible Voluntary Contributions.
- Understand TVC without turning tax relief into a product recommendationParticipants learn that TVC must be made through a TVC account for the relevant tax deduction and remains subject to MPF preservation requirements.
- Understand QDAP & private annuity structuresParticipants learn that a QDAP is an Insurance Authority-certified deferred annuity policy meeting prescribed criteria.
- Place other retirement resources around MPFParticipants map employer voluntary contributions, ORSO where relevant, other private retirement plans, investments, cash reserves, property and other assets as possible parts of a wider retirement picture.
Prepare for Retirement Income & Withdrawal
Full day only- Understand what can happen to MPF at age 65Participants learn that, under current MPF rules, members reaching age 65 can withdraw their eligible MPF in a lump sum, take instalments or leave benefits invested.
- Understand early-withdrawal grounds without treating them as planning strategiesParticipants learn that MPF is preserved for retirement and can only be withdrawn early on specific statutory grounds, including qualifying early retirement, permanent departure and other defined circumstances.
- Turn separate assets into retirement-income questionsParticipants bring MPF, private annuity income, employer retirement benefits, personal investments, cash and other assets into one retirement-income map.
- Build a Hong Kong Retirement review systemParticipants create a repeatable checklist covering MPF accounts, fund information, voluntary contributions, private plans, employer retirement benefits, beneficiaries, withdrawal rules, retirement-income needs and unresolved professional questions.
Tools and materials
- Hong Kong Retirement System Map
- Hong Kong Retirement Terminology Guide
- MPF Contribution & Account Map
- Contribution Account vs Personal Account Guide
- eMPF Account Administration Guide
- MPF Fund Information Decoder
- Fees, Risk & Performance Matrix
- MPF Fund Review Questions
- DIS Explainer
- DIS vs Standalone CAF / A65F Comparison
- Account Consolidation & Transfer Questions
- VC / SVC / TVC Comparison
- Additional MPF Contribution Questions
- TVC Tax-Boundary Guide
- QDAP Explainer
How booking works
- Book online. Create a free Workbliss profile, then pay with session credits, by card or by invoice.
- Pick a date. Choose a date at least 14 days ahead, or book now and set the date later. Need it sooner? Email hello@workbliss.ai and we’ll see what we can do.
- Choose your expert. Within 3 working days, we send you profiles of the experts available for your date.
- We deliver it. Your expert is briefed on your people and goals, then runs the session live online or at your site.
Questions about Retirement Planning - Hong Kong: MPF and Private Plans
How long is Retirement Planning - Hong Kong: MPF and Private Plans?
Retirement Planning - Hong Kong: MPF and Private Plans runs as 30 minutes, 60 minutes, 90 minutes, 3 hours or full day. You choose the length when you book. A 30-minute session covers three key points from Understand Your MPF Today: see where MPF fits in the retirement picture, understand how mandatory contributions enter the account and distinguish contribution accounts from personal accounts. A 60-minute session covers Understand Your MPF Today in full, with a live Q&A. A 90-minute session adds Review Your MPF Without Chasing Performance. A 3-hour session adds Understand Voluntary Contributions & Private Plans. A full-day session adds Prepare for Retirement Income & Withdrawal. It is also available as a 4-week or 8-week program.
Can Retirement Planning - Hong Kong: MPF and Private Plans be delivered online or in person?
Yes, both. It runs live online, so every office can join at the same time, or in person at your site, in any country.
How do we book Retirement Planning - Hong Kong: MPF and Private Plans?
Create a free Workbliss profile with your work email, then open Retirement Planning - Hong Kong: MPF and Private Plans to see the price for each length and book it. You can pay with session credits, by card or by invoice, and choose a date at least 14 days ahead, or set it later. Need it sooner? Email hello@workbliss.ai and we’ll see what we can do.
Who leads the session?
A vetted Workbliss expert, briefed on your people, culture and goals before the session. After you book, we send you profiles of the experts available for your date within 3 working days, so you can choose who leads it.
Can it be tailored to our company?
Yes. Every session is shaped around your goals, your people and the benefits you already offer, and delivered by experts in your people’s languages.