Pension services

MPF Scheme

Important Note 

  • Sun Life Rainbow MPF Scheme is a mandatory provident fund scheme (the "Scheme").
  • Investment involves risks and not all investment choices available under the Scheme would be suitable for everyone. There is no assurance on investment returns and your investments/accrued benefits may suffer significant loss.
  • You should consider your own risk tolerance level and financial circumstances before making any investment choices. When, in your selection of funds, you are in doubt as whether a certain fund is suitable for you (including whether it is consistent with your investment objectives), you should seek financial and/or professional advice and choose the fund(s) most suitable for you taking into account your circumstances.
  • Members reaching 65th birthday or early retiring on reaching age 60 may apply (in such form and on such conditions as the Trustee may from time to time determine but subject to the Mandatory Provident Fund Schemes Ordinance (“MPFS Ordinance”) and Mandatory Provident Fund Schemes (General) Regulation (“Regulation”) for payment of the MPF Benefits in instalments. Please refer to section 4.10 of the Principal Brochure of the Scheme "Withdrawal of Benefits" for further details.
  • You should not invest based on the information shown on this website alone and you should read the Principal Brochure carefully.

Sun Life Financial 's MPF scheme is tailored to the needs of employers, employees and self-employed persons. Bringing together first-class MPF trustee, administration and investment services, our scheme gives you convenience on MPF arrangement through our unique one-stop MPF solution.

Sun Life Rainbow MPF Scheme
Sun Life’s Rainbow MPF Scheme is a master trust mandatory provident fund scheme consisting of 12 constituent funds. In addition, we offer Fund Cruiser, a pre-determined asset allocations with an auto-rebalancing mechanism, to members who are looking for a simple investment solution.

Fund Cruiser
  • Fund Cruiser is a optional service to members. This feature adopts pre-determined asset allocations dependents upon member’s age. Through the auto-rebalancing mechanism, the risk level of the portfolio will shift from aggressive to conservative as the member’s retirement date approaches.
  • Members should note that the asset allocation table under the Fund Cruiser is a standard arrangement only and does not constitute any investment advice to individual members. The arrangement does not take into account factors other than age, which members may also need to consider, such as their investment objectives, financial needs, risk tolerance, market and economic situations.
  • More about Fund Cruiser...

Sun Life MPF Conservative Fund

Launch Date: 1 Dec 2000
Risk Level: Conservative

Fund Objective

  • The Sun Life MPF Conservative Fund seeks to provide members with a regular increase in value, with minimal risk to the underlying capital but with no guarantee of repayment of capital.
Investment Mix

  • 100% of its net asset value in Hong Kong dollar money market instruments, deposits and short-term corporate and government debt securities
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Sun Life MPF Global Bond Fund
 

Launch Date: 1 Jan 2010
Risk Level: Stable  

Fund Objective

  • The Sun Life MPF Global Bond Fund seeks to provide members with total return usually in excess of that achievable from bank deposits and money market securities.

Investment Mix

  • Primarily in a portfolio of approved pooled investment funds (“APIFs”) and/or index-tracking collective investment schemes approved by the Authority pursuant to the Regulation (“Approved ITCISs”) with a diversified portfolio of global bonds and other debt instruments that meet the requirements of the Mandatory Provident Fund Schemes (General) Regulation.

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Sun Life MPF RMB and HKD Fund  

Launch Date: 30 Jun 2012
Risk Level: Moderate

Fund Objective

  • The Sun Life MPF RMB and HKD Fund seeks to achieve long-term total returns through investments primarily in a portfolio of money market and debt instruments denominated in RMB and HKD.

Investment Mix

  • 70% - 100% of its net asset value in money market instruments and 0% - 30% in debt instruments whereas 60% - 70% of its net asset value is denominated in RMB and 30% - 40% in HKD

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Sun Life MPF Hong Kong Dollar Bond Fund  

Launch Date: 1 Dec 2000
Risk Level: Stable  

Fund Objective  

  • The Sun Life MPF Hong Kong Dollar Bond Fund seeks to provide members with a return in excess of that achievable from bank deposits and money market securities.

Investment Mix  

  • In a portfolio of APIFs and/or Approved ITCISs, which in turn will invest at least 70% in bonds and other debt instruments which are denominated in Hong Kong dollars.

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Sun Life MPF Hong Kong Equity Fund

Launch Date: 1 Dec 2000
Risk Level: Aggressive

Fund Objective

  • The Sun Life MPF Hong Kong Equity Fund seeks to provide members with long term capital appreciation.
Investment Mix

  • In a portfolio of APIFs and/or Approved ITCISs, which in turn will invest at least 70% of its net asset value in equities and equity-related securities (including but not limited to warrants and convertible bonds) listed on the Hong Kong Stock Exchange.
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Sun Life MPF Stable Fund

Launch Date: 1 Dec 2000
Risk Level: Moderate

Fund Objective

  • The Sun Life MPF Stable Fund seeks to provide members with steady capital appreciation
Investment Mix

  • In a portfolio of APIFs and/or Approved ITCISs, which in turn invest 50% - 90% of its net asset value in fixed income/money market investments and 10% - 50% in equity investments.
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Sun Life MPF Balanced Fund

Launch Date: 1 Dec 2000
Risk Level: Growth

Fund Objective

  • The Sun Life MPF Balanced Fund seeks to provide members with moderate capital appreciation over the medium term to longer term.
Investment Mix

  • In a portfolio of APIFs and/or Approved ITCISs, which in turn invest 30% - 70% of its net asset value in fixed income/money market investments and 30% - 70% in equity investments.
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Sun Life MPF Growth Fund

Launch Date: 1 Dec 2000
Risk Level: Growth

Fund Objective

  • Sun Life MPF Growth Fund seeks to provide members with significant capital appreciation over the medium term to longer term.
Investment Mix

  • In a portfolio of APIFs and/or Approved ITCISs, which in turn will invest 10% - 50% of its net asset value in fixed income/money market investments and 50% - 90% in equity investments.
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Sun Life MPF Asian Equity Fund

Launch Date: 1 March 2008
Risk Level: Aggressive

Fund Objective

  • The Sun Life MPF Asian Equity Fund seeks to provide members with long term capital growth
Investment Mix

  • In a portfolio of APIFs and/or Approved ITCISs that will invest at least 70% of its net asset value in Asian equities, including but not limited to Hong Kong, Singapore, South Korea, Taiwan, Thailand and Malaysia, but not including Japan.
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Sun Life MPF Global Equity Fund

Launch Date: 1 March 2008
Risk Level: Aggressive

Fund Objective

  • The Sun Life MPF Global Equity Fund seeks to achieve long-term capital appreciation through investments in global equities
Investment Mix

  • In a portfolio of APIFs and/or Approved ITCISs, which in turn invest up to 100% of its net asset value in global equities.
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Sun Life MPF Greater China Equity Fund

Launch Date: 1 March 2008
Risk Level: Aggressive

Fund Objective

  • The Sun Life MPF Greater China Equity Fund seeks to achieve long-term capital appreciation through investments in Hong Kong, China and Taiwan-related securities.
Investment Mix

  • In a portfolio of APIFs and/or Approved ITCISs, which in turn invest at least 70% of its net asset value in a portfolio of listed securities issued by companies with either assets in, or revenues derived from, the People’s Republic of China, Hong Kong and Taiwan which are listed, traded or dealt in on regulated exchanges subject to restrictions in the Mandatory Provident Fund Schemes (General) Regulation.
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Sun Life FTSE MPF Hong Kong Index Fund

Launch Date: 10 December 2013
Risk Level: Aggressive

Fund Objective

  • The Sun Life FTSE MPF Hong Kong Index Fund seeks to provide members with investment results that, before fees and expenses, closely track the performance of the FTSE MPF Hong Kong Index.
Investment Mix

  • solely in the BlackRock Hong Kong Equity Index Fund, a sub-fund of the BlackRock Premier Funds

All rights in the FTSE MPF Hong Kong Index (the “Index”) vest in FTSE International Limited (“FTSE”). “FTSE®” is a trade mark of the London Stock Exchange Group companies and is used by FTSE under licence. The Sun Life FTSE MPF Hong Kong Index Fund (the "Fund") has been developed solely by Sun Life Trustee Company Limited (the “Trustee”). The Index is calculated by FTSE or its agent. FTSE and its licensors are not connected to and do not sponsor, advise, recommend, endorse or promote the Fund and do not accept any liability whatsoever to any person arising out of (a) the use of, reliance on or any error in the Index or (b) investment in or operation of the Fund. FTSE makes no claim, prediction, warranty or representation either as to the results to be obtained from the Fund or the suitability of the Index for the purpose to which it is being put by the Trustee.

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Funds selected for Fund Cruiser & Asset Allocation Chart

Asset Class
Constituent Fund
Cash Sun Life MPF Conservative Fund
Hong Kong Dollar Bond Sun Life MPF Hong Kong Dollar Bond Fund
Global equity Sun Life MPF Global Equity Fund
Hong Kong Equity Sun Life MPF Hong Kong Equity Fund


Fund cruiser allocation chart

Note: For more details of Fund Cruiser and asset allocations of this feature, please refer to Sun Life Rainbow MPF Scheme Principal Brochure.

  • Members should note that the pre-determined asset allocation under the Fund Cruiser is a standard arrangement only and does not constitute any investment advice to individual members. The arrangement does not take into account factors other than age, which members may also need to consider, such as their investment objectives, financial needs, risk tolerance, market and economic situations.
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Investment involves risks and past performance is not indicative of future performance. Investment return may rise as well as fall due to market condition and currency movement which may affect the value of investments. The value of units may vary due to changes in exchange rates between currencies. Emerging markets may involve a higher degree of risk than in developed markets and are usually more sensitive to price movements.

Sun Life MPF RMB and HKD Fund may be adversely affected by both movements in RMB exchange rates as well as subjected to foreign exchange controls and repatriation restrictions imposed by Chinese government as the Fund invests part of its assets in RMB denominated money market and debt instruments.

You are advised to read the relevant Principal Brochure and the marketing materials for further details and risk factors prior to making any investment decision.

 

Issued by Sun Life Hong Kong Limited (Incorporated in Bermuda)

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News update

To enhance the transparency of MPF fund performance, Sun Life’s MPF administrator, BestServe Financial Limited partners with a global leading mutual fund information provider, Lipper – a Thomson Reuters company, to launch MyMPFChoice.com – a free fund performance comparative platform – Please visit.