Article

MPF frequency asked questions (FAQs)

The FAQs is designed to help answer some common questions on MPF.

February 1, 2018
| Hong Kong

Account management  賬戶管理

Q1. I have switched jobs a few times in the past few years and have lost count of the number of personal accounts I have. What should I do?
我在過去數年轉工數次,已無法確定自己有多少個個人賬戶,該怎麼辦?

Q2. I've received an annual benefit statement from my trustee. What points should I note?
收到了受託人寄來的周年權益報表,我應留意甚麼?

Q3. How do I find out how many MPF personal accounts I have?
我可以怎樣知道自己擁有多少個強積金個人賬戶?


Contribution  供款

Q1. I have joined my company for more than two months now. When should my employer make the first MPF contributions for me?
我加入這家公司兩個多月了,僱主應在何時為我作出首次強積金供款呢?

Q2. If I work as a private tutor, do I have to contribute to the MPF?
如我是補習老師,是否需要參加強積金計劃?

Q3. I work in the catering industry. Does the increase of the MPF contribution cap concern me?
我從事飲食業,強積金上調供款與我有關嗎?

Q4. Are bonuses part of the MPF relevant income for MPF contributions?
年終花紅是否需要作出強積金供款?

Q5. If I continue to work beyond the age of 65, will I still need to make MPF contributions?
如果我年滿65歲而又繼續工作,是否仍需要供強積金?

Q6. I am employed in Hong Kong by a local company with frequent assignments in Mainland China. Am I covered by the MPF system?
我在香港受聘於香港公司,但經常會被派到內地工作,我是否受到強積金制度保障?

Q7. My company is working with a school to provide internship placements to its students. Will my company need to enrol student interns in an MPF scheme?
我的公司計劃與學校合辦實習計劃,請問我們公司是否需要安排該學生參加強積金計劃?


Investment  投資

Q1. I’m starting my first job now and need to choose an investment portfolio for my MPF account. Am I allowed to change my selection later on?
我剛開始工作並且要選擇強積金賬戶的投資組合,我日後能否再更改現有的投資選擇?

Q2. A friend has said that MPF charges have a direct bearing on the net returns and that I should consider and compare such charges by measuring the fund expense ratio. What is the fund expense ratio?
強積金收費的高低會直接影響淨回報,我聽朋友說,考慮及比較收費時應以「基金開支比率」衡量,到底「基金開支比率」是甚麼?

Q3. I hold a guaranteed fund in my MPF account. I’ve heard that transferring my assets will affect the guaranteed return, is this true?
我的強積金戶口持有保證基金。聽說轉移資產可能會影響保證回報,是否屬實?


Transfer  權益轉移

Q1. I’m an HR representative for my company. What should I be doing to help employees transfer their MPF assets once ECA starts?
我是公司的人力資源部的職員。半自由行開始後,我可以怎樣幫助員工轉移他們的強積金資產呢?

Q2. I wish to transfer my mandatory contributions and the accrued benefits from my current employment account to an MPF trustee of my own choice. Which form should I fill in?
我想將現職期間強積金賬戶內的個人強制性供款和相關的累算權益,轉移至自選的強積金受託人的計劃,應用哪份表格?

Q3. Following the MPF semi-portability implementation, can I transfer my voluntary contributions?
強積金「半自由行」實施後,我能否將自願性供款部份轉移?

Q4. I recently shifted my MPF portfolio to another scheme provider via the MPF semi-portability scheme. How do I find out if my accrued benefits have been transferred properly?
我剛透過「半自由行」轉換強積金計劃,怎樣才可知道已轉移妥當?


Withdrawal  提取權益

Q1. I have not worked in Hong Kong for years and wish to cancel my MPF account. Can I do it?
我多年來不在香港工作,想取消強積金戶口,請問可以嗎?


Miscellaneous  其他

Q1. I’ve heard that MPF contributions are tax-deductible, is it true?
我聽說強積金供款可以扣稅,是否屬實?

Q2. What is vesting rights?
甚麼是權益歸屬?

Q3. Would my MPF accrued benefits be affected by the closure of my employer’s business?
如果僱主結束生意,我的累算權益會否受到影響?

Q4. What will the MPFA do if my employer has not made MPF contributions for me?
如果僱主沒有為我作強積金供款,積金局會採取甚麼行動嗎?

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