Why do you need an MPF or
CX Pfund Health Check?
The Hong Kong based Mandatory Provident Fund (MPF) was introduced over 20 years ago, and even modest contributions will have accumulated to become quite significant over that period of time.
If you are fortunate to benefit from generous employer contributions, as in the case of the CX Pfund for instance, the importance of managing those contributions to ensure your money is invested in the right place at the right time is amplified.
When did you last review where your contributions are invested? Do you realistically have the time, inclination and expertise to self-manage your retirement fund?
The typical approach of choosing a few funds initially and leaving it at that simply won't work! Likewise, choosing funds based on hearsay, uninformed opinions, history, gut-feeling and so on is at best careless. The fact is, there's a lot more too it than that and given the HUGE variation in returns from fund to fund, it's essential you focus on this now before it's too late. Diligent and timely asset allocation is the key both initially and ongoing. That is what we do at H Capital - and in the case of the CX Pfund specifically, we have an excellent 11 year track record.
Your MPF account value could be quite a significant contributor to your retirement if carefully managed and not ignored.
Testimonials
"David Bojan has massively improved the return on my CX Pfund – roughly doubled the value of the contributions so far.
I am regularly informed on how things are progressing and given clear, timely advice when I need to make decisions.
I trust David and his team at H Capital and would gladly recommend you do the same."
Terrence D.
Retired Cathay Pacific Pilot
"With David's input and guidance, my portfolio has grown considerably over the past 10 years despite a very tumultuous few years of economic recession, trade wars and a worldwide pandemic."
Cornel M.
Secondary School Curriculum & MYP Coordinator at Beijing City International School
"David Bojan has massively improved the return on my CX Pfund – roughly doubled the value of the contributions so far.
I am regularly informed on how things are progressing and given clear, timely advice when I need to make decisions.
I trust David and his team at H Capital and would gladly recommend you do the same."
Wesley J.
Cathay Pacific Airbus Captain
What's included?
H Capital monitors all constituent MPF and CX Pfunds, and based on our combined 'Macro' and 'Micro' views (our views on world markets and on the underlying individual investments held by each fund) we recommend where you should invest your accumulated and ongoing monthly contributions to maximise returns and minimise volatility.
Specifically, the MPF Health Check covers: -
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12 months advice and support, including an initial analysis and assessment of the existing selection of funds.
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Carefully considering your risk appetite and objectives, advice on realigning the current selection of funds, if appropriate.
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Four quarterly portfolio reviews, including a generic Market Commentary, a update on performance during the quarter and since inception, with recommended fund changes as applicable.
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Access to advice and second opinions on any financial matters not necessarily related to your MPF.