08/09/2026
強積金的使用門檻到底意味着什麼？🦻 ♿ 💬 💡
強積金的設立，本是為了保障香港每一位在職人士——不論語言、背景、能力或信仰。然而，一個能為大多數人服務的制度，並不等同於能為所有人服務。當有人無法順利使用平台、無法理解自己的權益報表，或無法按照自己的信仰進行投資時，他們實際上正被排除在一項本應屬於他們的權利之外。
目前，實在的進展正在發生。數碼共融措施、傳譯服務，以及殘疾人士支援框架，都是朝着正確方向邁出的步伐。
然而，我們仍有更多工作要做。降低強積金的使用門檻，意味着平台更清晰易用、溝通語言更多元、殘疾支援更到位，以及基金選項更能反映不同信仰——例如符合伊斯蘭教法的投資。同時，強積金計劃亦應主動思考成員在溝通、平台設計、客戶服務及基金選擇等方面的多元需要。
因為一個為所有人而設的退休制度，理應真正惠及所有人。
閱讀完整文章，了解哪些措施正在發揮作用、哪些仍然缺失，以及為何此事如此重要。
https://mpfratings.com.hk/language/zh/2026/08/28/強積金的使用門檻：為何人人應能受惠？/
What does accessibility actually mean for MPF? 🦻 ♿ 💬 💡
MPF was built to protect every worker in Hong Kong — regardless of language, background, ability, or belief. But a system that works for most people isn't the same as one that works for all of them. When someone can't navigate the platform, understand their statements, or invest in line with their values, they're effectively excluded from a right that's meant to be theirs.
Real progress is being made. Digital inclusion initiatives, interpretation services, and disability support frameworks are all steps in the right direction.
But there's still more to do. True accessibility in MPF means clearer platforms, multilingual communication, meaningful disability support, and fund options that reflect different beliefs — like Shariah-compliant investing. It also means schemes proactively thinking about the diverse needs of their members across communication, platform design, customer support, and fund offerings.
Because a retirement system built for everyone should work for everyone.
Read the full article to find out what's working, what's missing, and why it matters: https://mpfratings.com.hk/2026/08/28/the-importance-of-accessibility-when-it-comes-to-mpf/
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本博客內容僅供教育參考，性質屬一般資訊，並未考慮個人實際狀況。讀者應自行評估資訊是否切合自身需要，並在適當情況下徵詢財務顧問的專業意見。
The information contained in this article is not advice, it is for educational purposes, general in nature and does not take into account personal situations. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial advisor.
強積金的使用門檻：為何人人應能受惠？ / Mr MPF Zh / By Mr MPF 2026年8月28日 強積金是為所有人而設的。從根本上說，這是一個旨在保障香港在職人口退休生活的制度——一個為照顧市民而設的明智、具前瞻性的框架。然而，如果強...
