MPF Mastery, Tin Hau (2026)

05/08/2026

你幾耐 Check 一次你個 MPF? 👇

📅 每個月 >> 主動派
📆 每 3 個月 >> 溫和派
🗓️ 每年 >> 儀式派
🚫 從未 >> 佛系派
🤔 唔記得 >> 忙碌派

不如而家 Check 一次？
我哋幫你 5分鐘評估你嘅 MPF 健康分數

點解 MPF 其實值得每個月 check 一次？
✓ 每月出糧扣 5% + 5% MPF · 你根本冇 opt-out
✓ 15 秒 eMPF 睇下上月供款 + fund 走勢
✓ 早發現 · 早搞掂 · 唔會累積成多個孤兒帳戶
✓ 30 年後你會多謝過去嘅自己

——

How often do you check your MPF?

Every month >> Active
Every 3 months >> Moderate
Yearly >> Ceremony
Never >> Zen
Can’t remember >> Busy

Let’s check now!
We will estimate your MPF health score.

Why monthly check up is worth it:
5% + 5% is deducted every payslip · a 15-second eMPF check keeps you in control · early awareness beats orphan accounts.

Hold on to your money.

#香港 #強積金 #強積金管理 #自主管理

03/08/2026

香港人 MPF 總資產：$1.67 萬億 · 歷史新高 📊

MPF Ratings 最新數據：全港 4.79M 個成員，2026 上半年賺咗 $88.8B (歷來第 2 大上半年)，平均每位成員 $347,500。

⚠️ 但要留意 —— 呢個 $347,500 係全部 4.79M 成員嘅簡單粗暴平均，冇區分年齡 / 薪金 / 工作年資 / 供款年期。

即係話 25 歲啱啱打工嘅同 55 歲快退休嘅，都攞埋一齊算。

所以你高 / 低於呢個平均，唔真正代表你嘅實際位置。

真正比較要用同齡人做 benchmark (我哋 report 有呢個對比)😎

不過作為好玩嘅 rough gauge 都係一個參考數據。

——

HK MPF total assets: HK$1.67 trillion · record high

4.79M members, H1 2026 gains of $88.8B (2nd largest ever). Average balance: HK$347,500.

⚠️ But note: this $347,500 is a **simple mean** across all 4.79M members — regardless of age, salary, tenure.

So a 25-year-old fresh graduate and a 55-year-old near retirement are all averaged together. Above/below this number doesn‘t reflect your true peer position (our report does that properly).

Still a fun rough gauge though.

#強積金 #香港退休

31/07/2026

你的強積金每個月扣緊幾多基金管理費？

基金收費每月都會扣，不論市況好定壞 —— 幾十年複利效應落嚟，小小差距都會悄悄變一大筆 ⚠️

我哋嘅嘅報告揭俾你睇 4 樣嘢：

1️⃣ Your blended fee
你嘅綜合收費% vs DIS benchmark
2️⃣ Fees over time
到退休時累積比咗幾多錢？ 🤯
3️⃣ Fund-by-fund breakdown
逐隻基金拆解，顯示出邊隻收緊最貴？
4️⃣ Value verdict
每隻基金回報如何？收費到底值唔值？
唔係淨睇收費幾多？睇埋 net return

另外再較好你個 mindset：
❌ 收費越低 = 越好 (諗得太簡單)
✅ 睇埋回報＞收費幾多倍？

完整版 Report 入面會話你知：
🟢 基金收費 ≤ DIS
→ 在成本上佔先機 — 但仍應以淨回報衡量
🟡 和同類型基金收費相若
→ 合理收費 — 關鍵在回報
🔴 在同類型中偏貴
→ 依然未必係壞事 — 但需要有好回報證明值得

靈魂拷問：你揸住嘅基金有冇 earning its keep？

→ Step 1: eMPF (3 分鐘) 攞返基金資料
→ Step 2: mpfmastery.com (5 分鐘快測) — 免費睇健康分數
→ Step 3: 解鎖完整報告 — $168
除咗睇到每隻基金嘅收費分析，仲有專屬退休預測、市場分析等超過10頁詳細報告

自己嘅錢，自己睇住。

———

Your Fee Analysis 💰
Fees are deducted every year — good market or bad. Over decades they compound quietly ⚠️

The report shows 4 things:

1️⃣ Your blended fee % vs DIS benchmark
2️⃣ Fees over time
3️⃣ Fund-by-fund breakdown
4️⃣ Value verdict per fund

The mindset shift:
❌ Cheap fee = good (too simple)
✅ Judge on net return · Value > fee alone

Your biggest single fee fund — is it earning its keep?

Step 1: eMPF (3 min)
Step 2: mpfmastery.com quiz (free and paid version)

Hold on to your money.

#強積金 #退休計劃 #退休

29/07/2026

每個月出糧扣 5% MPF 你唔覺，由系統自動搞掂。
但基金收費每月悄悄扣，30 年後，你嘅強積金會話你你結果😮‍💨

唔想咁後知後覺？

想睇你基金收費 vs 同類型收費 vs 回報值唔值？

→ eMPF check （拎返基金資料）
→ mpfmastery.com (做個5分鐘快測)

我哋 report 逐隻基金收費拆俾你睇！

——

5% MPF deducted from your salary you don‘t notice as auto-processed by the system.

Fund fees deducted quietly every year, 30 years later your retirement will let you know the results😮‍💨

Don’t wanna get such a late notice?

→ Check on eMPF for funds info
→ take the 5 mins quiz at mpfmastery.com

Report breaks down every fund‘s fee vs median vs return.

Hold on to your money.

#強積金 #基金收費 #退休儲備

27/07/2026

MPF 過去 5 年類別回報大檢閱
最好嘅類別每年 +13%，最差嘅類別每年 -3.5%
差成 16.5 個百分點/年

🥇 5 年贏家榜 (年化)：
北美股票 +13.0% · 環球 +7.0% · 亞洲 +6.0% · 混合資產 +3.0% · 貨幣 / 保證 +0.8% · 債券 +0.5%

系統整體：+1.28% / 年

🔴 5 年輸家榜 (年化)：
香港股票 -2.7% · 大中華 -3.5%

呢 2 個類別，5 年計唔止跑輸通脹
係跑輸自己嘅本金，但仍然係最多人揀嘅之一 😮‍💨

💰 講返實在啲——$10,000 放 5 年：
🥇 北美 +13%/年 → 變 ~$18,400 (+84%)
🔴 大中華 -3.5%/年 → 變 ~$8,370 (-16%)

差 ~$10,050

仲未計手續費、未計 20-30 年、未計你月月供緊。

想睇你手上 fund 屬邊個類別及市場？
→ Step 1: eMPF (3 分鐘) 攞返基金名單
→ Step 2: mpfmastery.com (5 分鐘快測) 睇返基金屬性 + 退休預測

——

HK MPF 5-year annualised returns by category — the best (+13%/yr) vs worst (-3.5%/yr) is a 16-percentage-point yearly gap

🥇 5-year winners (annualised): North American +13.0%, Global +7.0%, Asian +6.0%, Mixed +3.0%, Money Market / Guaranteed +0.8%, Bond +0.5%.

Overall MPF system: +1.28%/yr

🔴 5-year losers (annualised): HK equity -2.7%, Greater China -3.5%.

💰 Concrete: $10,000 held for 5 years:
🥇 North American +13%/yr → ~$18,400 (+84%)
🔴 Greater China -3.5%/yr → ~$8,370 (-16%)

Gap: ~$10,050.

Excluding fees, excluding 20-30 years of compounding, excluding your ongoing monthly contributions.

Just go check your portfolio now or book a review with us.

#強積金 #強積金表現 #強積金管理 #基金排名 #基金表現

20/07/2026

關於MPF Mastery Report
你的退休預測 🎯「預計擁有 vs 實際所需」

我哋唔係「亂估你會有幾多」，而係計出你嘅兩條MPF 累積軌道 vs 退休目標 = Target Coverage %。

📊 報告會判斷你落入 4 個 status 之一：

🟢 進度理想 (100%+) — 達標，保持步伐，隨退休臨近減低風險
🟡 接近目標 (75-99%) — 每月多 $1-2k，或延後退休 1-2 年
🟠 中度差距 (50-74%) — 提高自願性供款最直接
🔴 顯著差距 (

14/07/2026

你的 MPF 10+頁個人化 X 光片
到底入面會講啲咩？我哋快速逐頁拆俾你睇

前半段 · 你的個人化分析
P1: MPF 人格 + 積金健康分數
P2: 你的退休預測
P3: 與同齡人比較
P4: 投資組合：風險與配置
P5: 基金收費分析
P6: 你的基金：回報 vs 收費

後半段 · 基金市場 + 行動
P7: 本月市場概覽
P8: 針對你的基金背後的市場
P9: 強積金消息與積金易 FAQ
P10: 個人化行動計劃
P.11: 附錄：計算方法及資料來源

🎯 由免費開始 · 3 步搞掂
→ Step 1: eMPF (3 分鐘) 攞返基金名單
→ Step 2: mpfmastery.com quiz (5 分鐘) — 免費獲得 MPF 人格類型 + 積金健康分數 + 分區
→ Step 3: 解鎖完整 12 頁報告 $168 (目前試玩價 $68)

100% 個人化 · 中立 · 透明 · 附行動計劃

自己嘅錢，自己睇住。

——

Your MPF, in one 10+pages personalised X-ray report— here’s what’s inside:

First half · Your personalise analysis
P1: MPF personality character + MPF Health score
P2: Retirement projection
P3: Peer comparison
P4: Investment portfolio : risk and allocation
P5: Fee analysis
P6: Your fund: performance vs fee

Second half · Your markets + action
P7: Markets update (monthly)
P8: Markets behind your portfolio holdings
P9: MPF news + eMPF FAQ
P10: Personalised action plan
P11: Appendix: calculation method and source

🎯 3 steps · start free
Step 1 — eMPF (3 min) get your fund list
Step 2 — mpfmastery.com quiz (5 min) — FREE, get your personality type + score + zone
Step 3 — unlock full report $168 (Early bird $68)

100% personalised · independent · transparent

Hold on to your money.

#強積金 #香港退休

12/07/2026

2026 上半年 MPF 揭盅：+5.67%
每位成員平均賺 $18,500
係 MPF 歷來第 6 好嘅上半年表現 📈

🥇 一枝獨秀：亞洲股票 +27.93%
歷來最強上半年，靠韓國 + 台灣科技股撐起
Q2 亞洲 +27.17%，整體 MPF Q2 +7.81%
係 2020 以來最好嘅一個 Q2

😮‍💨 但 6月一轉勢 MPF 整體跌 1.45%
而歷來 MPF 3 大最熱門類別：美國、香港、大中華股票
通通做咗 6月最差表現

即係話：短線波動好正常
長線分散同定期檢視投資組合先係關鍵

2026 上半年 MPF 系統 5 大數據：
💰 系統賺咗 $88.8B (歷來Q2第 2 大)
👥 每位成員 +$18,500
🏦 總資產共 $1.67 萬億 (歷史新高)
📊 人均戶口結餘 $347,500
📈 對比 2025 年底 +7.21%

所以如果 2026上半年埋數你係蝕錢
請務必立刻 check 吓自己個基金組合喇

想睇你手上 fund 屬邊個分類及市場？
→ Step 1: eMPF (3 分鐘) 攞返基金名單
→ Step 2: mpfmastery.com (5 分鐘快測) 睇晒基金屬性 + 退休預測

——

HK MPF delivered +5.67% in the first half of 2026 — average +HK$18,500 per member (across 4.79M members), the system’s 6th best first-half performance since inception in 2000.

🥇 Star: Asian equities +27.93% — best-ever first-half result, powered by Korean & Taiwan tech. Q2 Asian returned +27.17%; overall MPF returned +7.81% for Q2 (best since 2020).

😮‍💨 But June flipped — overall MPF fell 1.45%. Three of MPF’s biggest and most popular equity classes (US, HK, China equities) were June’s worst performers.

Short-term swings ≠ long-term reality. Diversification and regular reviews remain key.

First-half 2026 macro numbers:
💰 System-wide gains $88.8B (2nd largest first half)
🏦 Total assets $1.67T (record)
📊 Average balance $347,500
📈 +7.21% since end 2025

To conclude, if you are losing money in this half year please review your portfolio at once!

Step 1 — eMPF check (3 min). Step 2 — quiz at mpfmastery.com (5 min)

Hold on to your money.

#強積金 #上半年總結

17/06/2026

紙本報稅表 BIR60 截咗嚕 (6月4)。
但你仲可以 e-form!
自動延 1 個月，~7月4 之前都交得😮‍💨

如果你今年漏咗填，或者根本未開始：

✓ 上 etax.ird.gov.hk 用智方便登入
✓ 改用電子報稅，即刻自動延期到 ~7月4日
✓ 順便填埋 MPF + TVC 嘅扣稅（睇返 $3,060 嗰篇）

唔肯定全年 MPF 供款幾多？
→ Step 1: 上eMPF 3 分鐘攞返數字（睇返 eMPF 教學）
→ Step 2: 電子版報稅表填完submit
→ Step 3: 有時間上埋 mpfmastery.com做個5 分鐘快測睇埋MPF 健康分數 + 退休預測

——

HK paper BIR60 deadline closed (4 June). But you can still e-file — automatic +1 month extension to ~4 July.

If you missed it or haven’t started: go to etax.ird.gov.hk, log in with iAM Smart, file electronically with the full deadline extension.

Don’t forget the MPF deduction line (see our $3,060 post). Not sure of your annual MPF total? Check eMPF first (see our eMPF tutorial post).

Hold on to your money.

#報稅 #強積金

15/06/2026

香港人 MPF 嘅最大問題：
唔係制度
唔係基金
唔係僱主揀錯計劃

而係冇人會關心你份 MPF 多過你自己！

Agent 唔會（佢嘅利益喺保險產品）
HR 唔會（佢任期可能短過你份 MPF）
Fund house 更加唔會（佢只係想你買入等佢可以收費）

最後得返你自己。

自己份錢，自己睇。

→ Step 1：eMPF (3 分鐘查閲)
→ Step 2：mpfmastery.com (5 分鐘快測)

——

The biggest MPF problem isn’t the system, the funds, or your employer — it’s that nobody cares about your MPF more than you do.

Not your agent (their interest is insurance products), not HR (they may move on before you do), not the fund house (they collect their fee either way).

Only you.

Step 1 — check eMPF (3 min).
Step 2 — quiz at mpfmastery.com (5 min).

Hold on to your money.

#強積金 #香港退休 #自主新世代

MPF Mastery

05/08/2026

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