What is the MPF?
The Mandatory Provident Fund (MPF) is Hong Kong’s compulsory retirement savings scheme, designed to secure your financial future. You and your employer each contribute 5% of your relevant income (between HK$7,100 and HK$30,000 monthly) to an MPF account, which grows through investments to support your retirement.
Our MPF Advisory Services
At Bear Bright Limited, we are a registered Principal Intermediary under the MPFA since year 2000, providing daily fund and plan structures for our clients without additional charges. We partner with MPFA-approved trustees [e.g., HSBC, Manulife, AIA] to offer:​​​​
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Personalized MPF Guidance​​​​
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Cost-Effective Solutions​​​​
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​​Seamless Account Management​​​
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​​Flexible Investment Options
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​​Dedicated Service Team
Build a robust retirement plan with our tailored advice and access to top MPF schemes.
We guide you and your employer through MPF requirements, including the abolition of the offsetting arrangement (effective May 1, 2025).
We collaborate with MPFA-approved trustees to ensure your savings are managed securely and responsibly.
Receive clear, unbiased recommendations and updates on your MPF account, fees, and performance.
Why Choose Bear Bright?
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Key MPF Facts
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Contributions: Employees and employers each contribute 5% of relevant income (typically between HK$7,100 and HK$30,000 monthly, subject to confirmation).​
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Access: Funds are generally accessible at age 65, or earlier in cases like early retirement (age 60+ with no intent to work), permanent departure from Hong Kong, or other specific circumstances.
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Regulation: The MPFA oversees all MPF schemes, ensuring compliance and protecting your savings.
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Recent Update: As of May 1, 2025, employers can no longer use MPF contributions to offset severance or long service payments, preserving more of your savings.
Important Disclaimer
Investing in MPF funds involves risks, and returns are not guaranteed. Bear Bright Limited is a registered Principal Intermediary under the MPFA, providing advisory services to help you select and manage MPF schemes through MPFA-approved trustees. The MPFA does not endorse or guarantee the performance of any MPF scheme. For the latest contribution limits and regulations, please visit www.mpfa.org.hk.
MPF Partnerships:
Our most recent vendors: HSBC MPF, Manulife MPF, and Sun Life MPF.
We are also contracted with Principle, AIA, and BEA.
At Bear Bright Limited, we expertly summarize and compare MPF funds using trusted data from public sources and trustees, empowering you to make confident investment decisions. Below are some of the public sources we rely on to deliver accurate and reliable insights. (Please note that the data below is just an example from the year 2025 and may not always reflect the most current information)
Plan Your Retirement with Confidence
Let Bear Bright Limited guide you to a secure financial future. For any information about our MPF Brokerage Services, please contact us at: +852 28549918 or Click Here