Sun Life Rainbow MPF Scheme

Sun Life provides participating employers and members with comprehensive services to provide the best MPF client experience.

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Your Comprehensive Financial Solution for Retirement

Sun Life Financial aims to serve the workforce in Hong Kong by providing comprehensive financial solutions for their retirement. To accomplish this long term goal, Sun Life Rainbow MPF Scheme (the “Scheme”) is specifically designed to meet different needs of Hong Kong employers, their employees and self-employed persons by providing one-stop services on pensions scheme management, including trustee and investment management.

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Key Benefits

Multi-Manager Investment Approach

This approach can effectively reduce concentration risk by not relying on a single underlying fund manager and enables our members to benefit from investment expertise from around the world.

19 Constituent Fund Choices

To meet different retirement needs and goals of our members, the Scheme offers 19 constituent funds.

Fund Cruiser

This program adopts a pre-determined asset allocation method⁵, which automatically rebalances your MPF portfolio every year according to your age on your birthday⁶.

Default Investment Strategy (DIS)

This is a ready-made investment arrangement as stipulated in accordance with the Mandatory Provident Fund Schemes Ordinance mainly designed for those members who are not interested or do not wish to make a fund selection.

Experts Managing Your MPF Scheme

Professional team managing your MPF scheme includes:

Trustee – Sun Life Trustee Company Limited
MPF scheme provider – Sun Life Hong Kong Limited
Custodian – The Hongkong and Shanghai Banking Corporation Limited
System Operator - eMPF Platform Company Limited ("eMPF Company")
Investment Manager – Sun Life Asset Management (HK) Limited ¹

Sun Life Asset Management (HK) Limited  - Introducing Multi-Manager Investment Approach

Sun Life Asset Management (HK) Limited (“Sun Life Asset Management”) is a wholly-owned subsidiary of Sun Life Hong Kong Limited. In order to pursue sustainable long-term performance, Sun Life Asset Management introduced multi-manager investment approach to the Scheme. Under our multi-manager platform at the underlying fund level, a constituent fund is a portfolio management fund investing in different approved pooled investment funds (“APIF”) and/or approved index-tracking collective investment schemes (“Approved ITCIS”). This approach allows Sun Life Asset Management, based on various factors, such as investment styles of underlying funds and market conditions, to actively allocate assets among performing underlying fund managers. In addition, this approach can effectively reduce concentration risk by not relying on a single underlying fund manager and enables our members to benefit from investment expertise from around the world. Currently, 12 out of 19 constituent funds have adopted this approach.

Constituent Fund Choices

To meet different retirement needs and goals of our members, the Scheme offers 19 constituent funds. The following summary of constituent fund choices includes the investment objective and investment mix of each constituent fund available under the Scheme.

Name of Constituent Fund	Investment Objective²	Investment Focus²	Managed by Multi-manager Investment Approach
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	Hong Kong dollar money market instruments, cash deposits and short-term corporate and government debt securities	No
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	At least 70% in Hong Kong dollar denominated bonds and debt instruments	Yes
Sun Life MPF RMB and HKD Fund	Seeks to achieve long-term total returns	30% to 70% in RMB denominated fixed income/money market investments, 30% to 70% in HKD denominated fixed income/money market investments	No
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	Bonds and other debt instruments	Yes
Sun Life MPF Income Fund	Seeks to provide members with stable income (by way of distribution of dividend to members' account which will be reinvested in the Sun Life MPF Income Fund (which in turn invests in the accumulation class of Invesco Pooled Investment Fund – Global Income Fund) or the Sun Life MPF Conservative Fund depending on the member’s age) and capital growth over the medium to long term	20%-60% in global equities, 20%-60% in global fixed income, 10%-30% in real estate investment trusts (REITs)	No
Sun Life MPF Stable Fund	Seeks to provide members with steady capital growth	50% to 90% in fixed income/money market investments, 10% to 50% in equity investments	Yes
Sun Life MPF Balanced Fund	Seeks to provide members with moderate capital growth over the medium term to longer term	30% to 70% in fixed income/money market investments, 30% to 70% in equity investments	Yes
Sun Life MPF Growth Fund	Seeks to provide members with significant capital growth over the medium term to longer term	10% to 50% in fixed income/money market investments, 50% to 90% in equity investments	Yes
Sun Life MPF Global Low Carbon Index Fund⁴	Seeks to provide members with investment result that, before fees and expenses, closely track the performance of the FTSE Custom MPF Developed Selected Countries ESG Low Carbon Select Hedged Index	Global equities	No
Sun Life MPF Multi-Sector Equity Fund	Seeks to achieve long-term capital growth	Global equities	Yes
Sun Life MPF European Equity Fund	Seeks to provide members with long-term capital growth	At least 70% in European equities	Yes
Sun Life MPF Asian Equity Fund	Seeks to provide members with long-term capital growth	At least 70% in Asian equities	Yes
Sun Life MPF US Equity Fund	Seeks to provide members with long-term capital growth	At least 70% in US equities	Yes
Sun Life MPF US & Hong Kong Equity Fund	Seeks to achieve long-term capital growth	90% - 100% in equities (50% - 70% in United States and 30% - 50% in Hong Kong), 0% – 10% in cash or cash equivalents	Yes
Sun Life MPF Greater China Equity Fund	Seeks to achieve long-term capital growth	At least 70% in Greater China equities	Yes
Sun Life FTSE MPF Hong Kong Index Fund³	Seeks to provide members with investment result that, before fees and expenses, closely track the performance of the FTSE MPF Hong Kong Index	Hong Kong equities	No
Sun Life MPF Hong Kong Equity Fund	Seeks to provide members with long-term capital growth	At least 70% in Hong Kong equities	Yes
Sun Life MPF Core Accumulation Fund	Provide capital growth to members	55% - 65% in global equities, 35% - 45% in fixed income/money market investments	No
Sun Life MPF Age 65 Plus Fund	Provide stable growth to members	15% - 25% in global equities, 75% - 85% in fixed income/money market investments	No

No.	1
Name of Constituent Fund	Sun Life MPF Conservative Fund
Investment Objective²	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 Focus ²	Hong Kong dollar money market instruments, cash deposits and short-term corporate and government debt securities
Managed by Multi-manager Investment Approach	No

No.	2
Name of Constituent Fund	Sun Life MPF Hong Kong Dollar Bond Fund
Investment Objective ²	Seeks to provide members with a return in excess of that achievable from bank deposits and money market securities
Investment Focus ²	At least 70% in Hong Kong dollar denominated bonds and debt instruments
Managed by Multi-manager Investment Approach	Yes

No.	3
Name of Constituent Fund	Sun Life MPF RMB and HKD Fund
Investment Objective ²	Seeks to achieve long-term total returns
Investment Focus 2	30% - 70% in RMB denominated fixed income/money market investments, 30% - 70% in HKD denominated fixed income/money market investments
Managed by Multi-manager Investment Approach	No

No.	4
Name of Constituent Fund	Sun Life MPF Global Bond Fund
Investment Objective ²	Seeks to provide members with total return usually in excess of that achievable from bank deposits and money market securities
Investment Focus ²	Bonds and other debt instruments
Managed by Multi-manager Investment Approach	Yes

No.	5
Name of Constituent Fund	Sun Life MPF Income Fund
Investment Objective ²	Seeks to provide members with stable income (by way of distribution of dividend to members' account which will be reinvested in the Sun Life MPF Income Fund (which in turn invests in the accumulation class of Invesco Pooled Investment Fund – Global Income Fund) or the Sun Life MPF Conservative Fund depending on the member’s age) and capital growth over the medium to long term
Investment Focus ²	20%-60% in global equities, 20%-60% in global fixed income, 10%-30% in real estate investment trusts (REITs)
Managed by Multi-manager Investment Approach	No

No.	6
Name of Constituent Fund	Sun Life MPF Stable Fund
Investment Objective ²	Seeks to provide members with steady capital growth
Investment Focus ²	50% - 90% in fixed income/money market investments, 10% - 50% in equity investments
Managed by Multi-manager Investment Approach	Yes

No.	7
Name of Constituent Fund	Sun Life MPF Balanced Fund
Investment Objective ²	Seeks to provide members with moderate capital growth over the medium term to longer term
Investment Focus ²	30% - 70% in fixed income/money market investments, 30% - 70% in equity investments
Managed by Multi-manager Investment Approach	Yes

No.	8
Name of Constituent Fund	Sun Life MPF Growth Fund
Investment Objective ²	Seeks to provide members with significant capital growth over the medium term to longer term
Investment Focus ²	10% - 50% in fixed income/money market investments, 50% - 90% in equity investments
Managed by Multi-manager Investment Approach	Yes

No.	9
Name of Constituent Fund	Sun Life MPF Global Low Carbon Index Fund⁴
Investment Objective ²	Seeks to provide members with investment result that, before fees and expenses, closely track the performance of the FTSE Custom MPF Developed Selected Countries ESG Low Carbon Select Hedged Index
Investment Focus ²	Global equities
Managed by Multi-manager Investment Approach	No

No.	10
Name of Constituent Fund	Sun Life MPF Multi-Sector Equity Fund
Investment Objective ²	Seeks to achieve long-term capital growth
Investment Focus ²	Global equities
Managed by Multi-manager Investment Approach	Yes

No.	11
Name of Constituent Fund	Sun Life MPF European Equity Fund
Investment Objective ²	Seeks to provide members with long-term capital growth
Investment Focus ²	At least 70% in European equities
Managed by Multi-manager Investment Approach	Yes

No.	12
Name of Constituent Fund	Sun Life MPF Asian Equity Fund
Investment Objective ²	Seeks to achieve long-term capital growth
Investment Focus ²	At least 70% in Asian equities
Managed by Multi-manager Investment Approach	Yes

No.	13
Name of Constituent Fund	Sun Life MPF US Equity Fund
Investment Objective ²	Seeks to achieve long-term capital growth
Investment Focus ²	At least 70% in US equities
Managed by Multi-manager Investment Approach	Yes

No.	14
Name of Constituent Fund	Sun Life MPF US & Hong Kong Equity Fund
Investment Objective ²	Seeks to achieve long-term capital growth
Investment Focus ²	90% - 100% in equities (50% - 70% in United States and 30% - 50% in Hong Kong), 0% – 10% in cash or cash equivalents
Managed by Multi-manager Investment Approach	Yes

No.	15
Name of Constituent Fund	Sun Life MPF Greater China Equity Fund
Investment Objective ²	Seeks to achieve long-term capital growth
Investment Focus ²	At least 70% in Greater China equities
Managed by Multi-manager Investment Approach	Yes

No.	16
Name of Constituent Fund	Sun Life FTSE MPF Hong Kong Index Fund³
Investment Objective ²	Seeks to provide members with investment result that, before fees and expenses, closely track the performance of the FTSE MPF Hong Kong Index
Investment Focus ²	Hong Kong equities
Managed by Multi-manager Investment Approach	No

No.	17
Name of Constituent Fund	Sun Life MPF Hong Kong Equity Fund
Investment Objective ²	Seeks to provide members with long-term capital growth
Investment Focus ²	At least 70% in Hong Kong equities
Managed by Multi-manager Investment Approach	Yes

No.	18
Name of Constituent Fund	Sun Life MPF Core Accumulation Fund
Investment Objective ²	Provide capital growth to members
Investment Focus ²	55% - 65% in global equities, 35% - 45% in fixed income/money market investments
Managed by Multi-manager Investment Approach	No

No.	19
Name of Constituent Fund	Sun Life MPF Age 65 Plus Fund
Investment Objective ²	Provide stable growth to members
Investment Focus ²	15% - 25% in global equities, 75% - 85% in fixed income/money market investments
Managed by Multi-manager Investment Approach	No

Fund Cruiser

If you don’t want the burden of having to manage your investment portfolio on a regular basis, you can consider joining Fund Cruiser. This program adopts a pre-determined asset allocation method⁵, which automatically rebalances your MPF portfolio every year according to your age on your birthday⁶. This is a feature specially designed for those members who have less investment experience or lack time to manage their MPF portfolio.

In order to diversify your MPF portfolio, the following constituent funds are selected under Fund Cruiser:

Fund Descriptor	Name of Constituent Fund
Money Market Fund – Hong Kong	Sun Life MPF Conservative Fund
Bond Fund – Hong Kong	Sun Life MPF Hong Kong Dollar Bond Fund
Equity Fund – Hong Kong	Sun Life MPF Hong Kong Equity Fund
Equity Fund – Global Equities	Sun Life MPF Multi-Sector Equity Fund

Sun Life Rainbow MPF Scheme Asset Allocation chart.

Note: Members should note that the pre-determined asset allocation under “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.

Management Fees and Payment for Services Relating to Default Investment Strategy (“DIS”)^§

Name of Constituent Fund	Management fees⁶ (as a % of p.a. of NAV)
Name of Constituent Fund	Class A	Class B	No Class
Sun Life MPF Conservative Fund	Up to 0.813%	Up to 0.813%	N/A
Sun Life FTSE MPF Hong Kong Index Fund	Up to 0.893%	Up to 0.893%	N/A
Sun Life MPF RMB and HKD Fund	Up to 1.153%	Up to 1.103%	N/A
Sun Life MPF Hong Kong Dollar Bond Fund	Up to 1.228%	Up to 1.228%	N/A
Sun Life MPF Global Bond Fund	Up to 1.478%	Up to 1.378%	N/A
Sun Life MPF Hong Kong Equity Fund	Up to 1.478%	Up to 1.378%	N/A
Sun Life MPF Stable Fund	Up to 1.478%	Up to 1.378%	N/A
Sun Life MPF Balanced Fund	Up to 1.478%	Up to 1.378%	N/A
Sun Life MPF Growth Fund	Up to 1.478%	Up to 1.378%	N/A
Sun Life MPF Asian Equity Fund	Up to 1.623%	Up to 1.523%	N/A
Sun Life MPF Multi-Sector Equity Fund	Up to 1.508%	Up to 1.408%	N/A
Sun Life MPF Greater China Equity Fund	Up to 1.673%	Up to 1.573%	N/A
Sun Life MPF Global Low Carbon Index Fund	N/A	N/A	Up to 1.02%
Sun Life MPF European Equity Fund	N/A	N/A	Up to 1.225%
Sun Life MPF US Equity Fund	N/A	N/A	Up to 1.205%
Sun Life MPF US & Hong Kong Equity Fund	N/A	N/A	Up to 0.843%
Sun Life MPF Income Fund	N/A	N/A	Up to 1.11% (for members below age 60) / Up to 0.91% (beginning in the month in which the member reaches age 60)

Name of Constituent Fund	Payment for services relating to DIS^§ (as a % of p.a. of NAV)
Sun Life MPF Core Accumulation Fund	Up to 0.663%
Sun Life MPF Age 65 Plus Fund	Up to 0.663%

No.	1
Name of Constituent Fund	Sun Life MPF Conservative Fund
Management fees⁶ (as a % of p.a. of NAV)	Class A	Up to 0.813%
	Class B	Up to 0.813%
	No Class	N/A

No.	2
Name of Constituent Fund	Sun Life FTSE MPF Hong Kong Index Fund
Management fees⁶ (as a % of p.a. of NAV)	Class A	Up to 0.893%
	Class B	Up to 0.893%
	No Class	N/A

No.	3
Name of Constituent Fund	Sun Life MPF RMB and HKD Fund
Management fees⁶ (as a % of p.a. of NAV)	Class A	Up to 1.153%
	Class B	Up to 1.103%
	No Class	N/A

No.	4
Name of Constituent Fund	Sun Life MPF Hong Kong Dollar Bond Fund
Management fees⁶ (as a % of p.a. of NAV)	Class A	Up to 1.228%
	Class B	Up to 1.228%
	No Class	N/A

No.	5
Name of Constituent Fund	Sun Life MPF Global Bond Fund
Management fees⁶ (as a % of p.a. of NAV)	Class A	Up to 1.478%
	Class B	Up to 1.378%
	No Class	N/A

No.	6
Name of Constituent Fund	Sun Life MPF Hong Kong Equity Fund
Management fees⁶ (as a % of p.a. of NAV)	Class A	Up to 1.478%
	Class B	Up to 1.378%
	No Class	N/A

No.	7
Name of Constituent Fund	Sun Life MPF Stable Fund
Management fees⁶ (as a % of p.a. of NAV)	Class A	Up to 1.478%
	Class B	Up to 1.378%
	No Class	N/A

No.	8
Name of Constituent Fund	Sun Life MPF Balanced Fund
Management fees⁶ (as a % of p.a. of NAV)	Class A	Up to 1.478%
	Class B	Up to 1.378%
	No Class	N/A

No.	9
Name of Constituent Fund	Sun Life MPF Growth Fund
Management fees⁶ (as a % of p.a. of NAV)	Class A	Up to 1.478%
	Class B	Up to 1.378%
	No Class	N/A

No.	10
Name of Constituent Fund	Sun Life MPF Asian Equity Fund
Management fees⁶ (as a % of p.a. of NAV)	Class A	Up to 1.623%
	Class B	Up to 1.523%
	No Class	N/A

No.	11
Name of Constituent Fund	Sun Life MPF Multi-Sector Equity Fund
Management fees⁶ (as a % of p.a. of NAV)	Class A	Up to 1.508%
	Class B	Up to 1.408%
	No Class	N/A

No.	12
Name of Constituent Fund	Sun Life MPF Greater China Equity Fund
Management fees⁶ (as a % of p.a. of NAV)	Class A	Up to 1.673%
	Class B	Up to 1.573%
	No Class	N/A

No.	13
Name of Constituent Fund	Sun Life MPF Global Low Carbon Index Fund
Management fees⁶ (as a % of p.a. of NAV)	Class A	N/A
	Class B	N/A
	No Class	Up to 1.02%

No.	14
Name of Constituent Fund	Sun Life MPF European Equity Fund
Management fees⁶ (as a % of p.a. of NAV)	Class A	N/A
	Class B	N/A
	No Class	Up to 1.225%

No.	15
Name of Constituent Fund	Sun Life MPF US Equity Fund
Management fees⁶ (as a % of p.a. of NAV)	Class A	N/A
	Class B	N/A
	No Class	Up to 1.205%

No.	16
Name of Constituent Fund	Sun Life MPF US & Hong Kong Equity Fund
Management fees⁶ (as a % of p.a. of NAV)	Class A	N/A
	Class B	N/A
	No Class	Up to 0.843%

No.	17
Name of Constituent Fund	Sun Life MPF Income Fund
Management fees⁶ (as a % of p.a. of NAV)	Class A	N/A
	Class B	N/A
	No Class	Up to 1.11% (for members below age 60) / Up to 0.91% (beginning in the month in which the member reaches age 60)

No.	18
Name of Constituent Fund	Sun Life MPF Core Accumulation Fund
Payment for services relating to DIS§ (as a % of p.a. of NAV)	Up to 0.663%

No.	19
Name of Constituent Fund	Sun Life MPF Age 65 Plus Fund
Payment for services relating to DIS§ (as a % of p.a. of NAV)	Up to 0.663%

§ "Payment for services relating to DIS"includes fees paid or payable for the services provided by the trustee, custodian, system operator, investment manager (including fees based on fund performance, if any) and MPF scheme provider or promoter of the Scheme, constituent funds and in the case of DIS Funds, the underlying APIs, and any of the delegates from these parties and such fees are calculated as a percentage of the net asset value of a fund. In the case of the DIS Funds, payment for services payable to the parties named above, or their delegates, can only (subject to certain exceptions in the MPFS Ordinance) be charged as a percentage of the net asset value of each of the DIS Funds and its underlying APIs. These payments for service are also subject to a statutory daily limit equivalent to 0.75% per annum of the net asset value of each of the DIS Funds which applies across both the DIS Funds and its respective underlying APIFs.

For more details about DIS, please refer to the MPF Scheme Brochure of the Scheme or access Sun Life's website at www.sunlife.com.hk to visit our DIS dedicated webpage.

The above fund management fees and payment for services relating to DIS do not reflect all costs and expenses to be paid by the scheme members. For more details of the management fees, payment for services relating to DIS and other applicable fees, charges and expenses of the constituent funds, please refer to the MPF Scheme Brochure of the Scheme.

Flexible and Convenient Services for Employers and Members

Online Pension Services Centre
Online Pension Services Centre is an internet tool to assist employers and members to manage their MPF account more efficiently.

Online Services for Employers:

Review the Employer Statement;
Calculate the Long Service Payment or Severance Payment for terminated employees; and
View the Employer’s portion of Member Balance

Online Services for Members:

Check MPF account balance, gain/loss, account portfolio and account details;
Check historical and latest fund prices;
Download Member Statement;
Review transaction details;
View MPF Advisors details (if applicable);
Viewing Preferential Management Fee (if applicable);
Inbox for receiving the latest information ; and
View personal information, including
- Opt for MPF Account Balance SMS Service

Access Online Pension Services Centre now.

The following matters and activities are conducted by the eMPF Platform: (available from 3 October 2025)

processing registration of eMPF Platform for participating employers and scheme members;
processing enrolment in registered schemes for participating employers and scheme members;
processing MPF contributions and default contributions;
processing scheme members’ investment instructions (including investment instructions on new contributions and switching instructions);
processing transfers of benefits within the registered scheme or between registered schemes or from occupational retirement schemes to registered schemes;
processing claims and withdrawal of MPF benefits;
processing the offset and refund of severance payments and long service payments to participating employers and/or scheme members/claimants;
processing of changes of participating employer and scheme member particulars;
giving of notices and documents to participating employers and scheme members;
handling of enquiry and complaint; and
following up with participating employers and scheme members on any unclear scheme administration instructions.

The MPF administration forms are available on the eMPF website for download.

Visit Key Scheme Information Document (Web version)

Check Fund Price and Performance of the Scheme

Find a form

Record date and ex-dividend date schedule 2026

With regard to the Sun Life MPF RMB and HKD Fund, the Investment Manager has delegated the investment management functions to Invesco Hong Kong Limited. 
For further details, including the investment objective and investment mix of each of the constituent funds, please refer to Section 3.4 – “Investment and Borrowing” of the MPF Scheme Brochure of the Scheme. 
The Sun Life FTSE MPF Hong Kong Index Fund achieves this objective through investing solely in the iShares Hong Kong Equity Index Fund, a sub-fund of the BlackRock Premier Funds. The iShares Hong Kong Equity Index Fund is an Approved ITCIS, and managed by BlackRock Asset Management North Asia Limited.

The iShares Hong Kong Equity Index Fund has been developed solely by BlackRock Asset Management North Asia Limited. The iShares Hong Kong Equity Index Fund is not in any way connected to or sponsored, endorsed, sold or promoted by the London Stock Exchange Group plc and its group undertakings (collectively, the “LSE Group”). FTSE Russell is a trading name of certain of the LSE Group companies.

All rights in the FTSE MPF Hong Kong Index vest in the relevant LSE Group company which owns the index. “FTSE®”, “Russell®”, “FTSE Russell®” are trademarks of the relevant LSE Group company and are used by any other LSE Group company under license.

The FTSE MPF Hong Kong Index is calculated by or on behalf of FTSE or its affiliate, agent or partner. The LSE Group does 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 iShares Hong Kong Equity Index Fund. The LSE Group makes no claim, prediction, warranty or representation either as to the results to be obtained from the iShares Hong Kong Equity Index Fund or the suitability of the FTSE MPF Hong Kong Index for the purposes to which it is being put by BlackRock Asset Management North Asia Limited.
The Sun Life AM Global Low Carbon Index Fund (“Underlying Fund”), a sub-fund of the Sun Life Asset Management Funds, has been developed solely by Sun Life Asset Management (HK) Limited. The Underlying Fund is not in any way connected to or sponsored, endorsed, sold or promoted by the London Stock Exchange Group plc and its group undertakings (collectively, the “LSE Group”). FTSE Russell is a trading name of certain of the LSE Group companies.

All rights in the FTSE Custom MPF Developed Selected Countries ESG Low Carbon Select Hedged Index (Underlying Index) are vested in the relevant LSE Group company which owns the index. “FTSE®”, “Russell®”, “FTSE Russell®” are trademarks of the relevant LSE Group company and are used by any other LSE Group company under license.

The Underlying Index is calculated by or on behalf of FTSE International Limited or its affiliate, agent or partner. The LSE Group does 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 Underlying Fund. The LSE Group makes no claim, prediction, warranty or representation either as to the results to be obtained from the Underlying Fund or the suitability of the Underlying Index for the purposes to which it is being put by Sun Life Asset Management (HK) Limited.
For more details of asset allocation of Fund Cruiser, please refer to the MPF Scheme Brochure of the Scheme. 
If the member’s birthday falls on a non-business day, the MPF portfolio will be rebalanced on the first business day after the birthday. 
“Management fees” includes fees paid to the trustee, custodian, system operator, investment manager (including trustee and administration fee as well as investment management fee of the relevant APIF/ITCIS) and sponsor of a scheme for providing their services to the relevant fund. They are usually charged as a percentage of the net asset value of a fund. The investment management fee of the relevant APIF/ITCIS is borne by the Investment Manager, the Sponsor or their affiliate; in that case, the Scheme need not bear the investment management fee paid by the Investment Manager.

Disclaimer

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.

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

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

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Sun Life Rainbow MPF Scheme

Your Comprehensive Financial Solution for Retirement