普华永道：2025香港强制性公积金制度：展望未来新里程研究报告（英文版）（32页）.pdf

1、Hong Kongs Mandatory Provident Fund(MPF)System Paving a visionary path forwardJune 2025Table of contents1Hong Kongs MPF System Paving a visionary path forwardIntroductory remarks02Executive summary03The achievements of Hong Kongs MPF System to dateA silver jubilee Initiatives and milestones04Analysi

2、ng the current MPF SystemWhere does the MPF System stand globally?Fragmented but one-size-fits-all frameworkThe current MPF structureMember engagement and cultural valuesThe product universe 08The eMPF Platform as a catalyst for transformationThe game-changing eMPF Platform Staying fit for purpose19

3、Possible future enhancementsA funds-based approach A distinct unified portfolioAttached-but-detached modelA holistic distribution platform for Hong Kong22The future of pensions in Hong Kong29Over the years,Hong Kongs Mandatory Provident Fund(MPF)System has undergone continuous enhancements and devel

4、opments aiming to tackle a range of current challenges and address the future needs of Hong Kongs workforce.With the complex demographic and economic landscape,the importance of ensuring the system remains responsive,innovative and inclusive has becomeparamount in providing financial security for Ho

5、ng Kongs retirees.PwC has been an influential industry voice throughout the development of the MPF System,leveraging our expertise to analyse market trends and provide strategic guidance that drives industry advancement.Our broad range of subject-matter experts maintain extensive touchpoints across

6、the industry value chain,including regulators,asset managers,sponsors,trustees,employees,employers,industry associations and academia.This enables us to capture the diverse perspectives of stakeholders and collectively pave the way for progress,wherever possible.This publication,created in collabora