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How do we invest your money?

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Upon joining the Scheme, if you have not given us any investment instructions, your money will be invested under the Default Investment Strategy ("DIS") automatically. You may refer to Section 3.2 – MPF Default Investment Strategy of the MPF Scheme Brochure of the Scheme for more details about DIS, which is available via the link https://sunlife.co/75acba.


Key features of the constituent funds:

No.

 

Name of Constituent Fund

Investment Manager

Fund Descriptor

Investment

Focus

Investment

Objective

Management fees

(as a % of p.a. of NAV)

Class A

ClassB

No Class of Unit

1 Sun Life MPF
Core Accumulation Fund Sun Life Asset Management (HK) Limited

Mixed Assets Fund – Global
(Maximum equity investments 65%) 55% to 65% in global equities, 35% to 45% in fixed income/money market investments Provide capital growth to members N/A N/A Up to 0.733%
2 Sun Life MPF Age 65 Plus Fund Sun Life Asset Management (HK) Limited Mixed Assets Fund - Global (Maximum equity investments 25%) 15% to 25% in global equities, 75% to 85% in fixed income/money market investments Provide stable growth to members N/A N/A Up to 0.733%
3 Sun Life MPF Conservative Fund Sun Life Asset Management (HK) Limited Money Market Fund – Hong Kong Hong Kong dollar money market instruments, cash deposits and short term corporate and government debt securities 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 Up to 0.883% Up to 0.883% N/A

4

Sun Life MPF Hong Kong Dollar Bond Fund

Sun Life Asset Management (HK) Limited

Bond Fund – Hong Kong

At least 70% in Hong Kong dollar denominated bonds and debt instruments

Seeks to provide members with a return in excess of that achievable from bank deposits and money market securities

Up to 1.748%

Up to 1.548%

N/A

5

Sun Life MPF

RMB and HKD Fund

Sun Life Asset Management (HK) Limited

Money Market Fund – Mainland China and Hong Kong

30% to 70% in RMB denominated fixed income/money market investments, 30% to 70% in HKD denominated fixed income/money market investments

Seeks to achieve long-term total returns

Up to 1.223%

 

Up to 1.173%

 

 

N/A

6

Sun Life MPF Global Bond Fund

Sun Life Asset Management (HK) Limited

Bond Fund – Global

Bonds and other debt instruments

Seeks to provide members with total return usually in excess of that achievable from bank deposits and money market securities

Up to 1.748%

Up to 1.548%


N/A

7

Sun Life MPF Stable Fund

Sun Life Asset Management (HK) Limited

Mixed Assets Fund – Global

(Maximum equity investments 50%)

50% to 90% in fixed income/money market investments, 10% to 50% in equity investments

Seeks to provide members with steady capital growth

Up to 1.748%

Up to 1.548%

 

N/A

8

Sun Life MPF Balanced Fund

Sun Life Asset Management (HK) Limited

Mixed Assets Fund – Global

(Maximum equity investments 70%)

30% to 70% in fixed income/money market investments, 30% to 70% in equity investments

Seeks to provide members with

moderate capital growth over the medium term to longer term

Up to 1.748%

Up to 1.548%

 

N/A

9

Sun Life MPF Growth Fund

Sun Life Asset Management (HK) Limited

Mixed Assets Fund – Global

(Maximum equity investments 90%)

10% to 50% in fixed income/money market investments, 50% to 90% in equity investments

Seeks to provide members with significant capital growth over the medium term to longer term

Up to 1.748%

Up to 1.548%

 

N/A

10

Sun Life MPF Global Low Carbon Index Fund

Sun Life Asset Management (HK) Limited

Equity Fund – Global Equity

Global equities

Seeks to provide members with investment results that, before fees and expenses, closely track the performance of the FTSE Custom MPF Developed Selected Countries ESG Low Carbon Select Hedged Index

N/A

N/A

 

Up to 1.10%

11

Sun Life MPF Multi-Sector Equity Fund

Sun Life Asset Management (HK) Limited

Equity Fund – Global Equities

Global equities

Seeks to achieve long-term capital growth

 

Up to 1.778%

Up to 1.578%


N/A

12

Sun Life MPF European Equity Fund

Sun Life Asset Management (HK) Limited

Equity Fund - Europe

At least 70% in European equities

Seeks to provide members with long-term capital growth

N/A

N/A

Up to 1.305%

13

Sun Life MPF Asian Equity Fund

Sun Life Asset Management (HK) Limited

Equity Fund – Asia ex Japan

At least 70% in Asian equities

Seeks to provide members with long-term capital growth

Up to 1.893%

Up to 1.693%


N/A

14

Sun Life MPF US Equity Fund

Sun Life Asset Management (HK) Limited

Equity Fund - United States

At least 70% in US equities

Seeks to provide members with long-term capital growth

N/A

N/A

Up to 1.285%

15

Sun Life MPF US & Hong Kong Equity Fund

Sun Life Asset Management (HK) Limited

Equity Fund - United States and Hong Kong

50%-70% in United States equities, 30%-50% in Hong Kong equities

Seeks to provide members with long-term capital growth

N/A

N/A

Up to 1.103%

16

Sun Life MPF Greater China Equity Fund

Sun Life Asset Management (HK) Limited

Equity Fund – Greater China

At least 70% in Greater China equities

Seeks to achieve long-term capital growth

Up to 1.943%

Up to 1.743%

N/A

17

Sun Life FTSE MPF Hong Kong Index Fund

Sun Life Asset Management (HK) Limited

Equity Fund – Hong Kong

Hong Kong equities

Seeks to provide members with

investment results that, before fees and expenses, closely track the performance of the FTSE MPF Hong Kong Index

Up to 0.963%

Up to 0.963%


N/A

18

Sun Life MPF Hong Kong Equity Fund

Sun Life Asset Management (HK) Limited

Equity Fund – Hong Kong

At least 70% in Hong Kong equities

Seeks to provide members with long-term capital growth

Up to 1.748%

Up to 1.548%


N/A

No 1
Name of Constituent Fund Sun Life MPF Core Accumulation Fund
Investment Manager Sun Life Asset Management (HK) Limited
Fund Descriptor Mixed Assets Fund – Global (Maximum equity investments 65%)
Investment Focus 55% to 65% in global equities, 35% to 45% in fixed income/money market investments
Investment Objective Provide capital growth to members
Management fees
(as a % of p.a. of NAV)
Class A  N/A
Class B
No Class of Unit Up to 0.733%
No 2
Name of Constituent Fund Sun Life MPF Age 65 Plus Fund
Investment Manager Sun Life Asset Management (HK) Limited
Fund Descriptor Mixed Assets Fund – Global (Maximum equity investments 25%)
Investment Focus 55% to 65% in global equities, 35% to 45% in fixed income/money market investments
Investment Objective Provide stable growth to members
Management fees
(as a % of p.a. of NAV)
Class A  N/A
Class B
No Class of Unit Up to 0.733%
No 3
Name of Constituent Fund Sun Life MPF Conservative Fund
Investment Manager Sun Life Asset Management (HK) Limited
Fund Descriptor Money Market Fund – Hong Kong
Investment Focus Hong Kong dollar money market instruments, cash deposits and short term corporate and government debt securities
Investment Objective 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
Management fees
(as a % of p.a. of NAV)
Class A  Up to 0.883%
Class B Up to 0.883%
No Class of Unit N/A
No 4
Name of Constituent Fund Sun Life MPF Hong Kong Dollar Bond Fund
Investment Manager Sun Life Asset Management (HK) Limited
Fund Descriptor Bond Fund – Hong Kong
Investment Focus At least 70% in Hong Kong dollar denominated bonds and debt instruments
Investment Objective Seeks to provide members with a return in excess of that achievable from bank deposits and money market securities
Management fees
(as a % of p.a. of NAV)
Class A  Up to 1.748%
Class B Up to 1.548%
No Class of Unit N/A
No 5
Name of Constituent Fund Sun Life MPF RMB and HKD Fund
Investment Manager Sun Life Asset Management (HK) Limited
Fund Descriptor Money Market Fund – Mainland China and Hong Kong
Investment Focus 30% to 70% in RMB denominated fixed income/money market investments, 30% to 70% in HKD denominated fixed income/money market investments
Investment Objective Seeks to achieve long-term total returns 
Management fees
(as a % of p.a. of NAV)
Class A  Up to 1.223%
Class B Up to 1.173%
No Class of Unit N/A
No 6
Name of Constituent Fund Sun Life MPF Global Bond Fund
Investment Manager Sun Life Asset Management (HK) Limited
Fund Descriptor Bond Fund – Global
Investment Focus Bonds and other debt instruments
Investment Objective Seeks to provide members with total return usually in excess of that achievable from bank deposits and money market securities
Management fees
(as a % of p.a. of NAV)
Class A  Up to 1.748%
Class B Up to 1.548%
No Class of Unit N/A
No 7
Name of Constituent Fund Sun Life MPF Stable Fund
Investment Manager Sun Life Asset Management (HK) Limited
Fund Descriptor Mixed Assets Fund – Global (Maximum equity investments 50%)
Investment Focus 50% to 90% in fixed income/money market investments, 10% to 50% in equity investments
Investment Objective Seeks to provide members with steady capital growth
Management fees
(as a % of p.a. of NAV)
Class A  Up to 1.748%
Class B Up to 1.548%
No Class of Unit N/A
No 8
Name of Constituent Fund Sun Life MPF Balanced Fund
Investment Manager Sun Life Asset Management (HK) Limited
Fund Descriptor Mixed Assets Fund – Global (Maximum equity investments 70%)
Investment Focus 30% to 70% in fixed income/money market investments, 30% to 70% in equity investments
Investment Objective Seeks to provide members with
moderate capital growth over the medium term to longer term
Management fees
(as a % of p.a. of NAV)
Class A  Up to 1.748%
Class B Up to 1.548%
No Class of Unit N/A
No 9
Name of Constituent Fund Sun Life MPF Growth Fund
Investment Manager Sun Life Asset Management (HK) Limited
Fund Descriptor Mixed Assets Fund – Global (Maximum equity investments 90%)
Investment Focus 10% to 50% in fixed income/money market investments, 50% to 90% in equity investments
Investment Objective Seeks to provide members with significant capital growth over the medium term to longer term
Management fees
(as a % of p.a. of NAV)
Class A  Up to 1.748%
Class B Up to 1.548%
No Class of Unit N/A
No 10
Name of Constituent Fund Sun Life MPF Global Low Carbon Index Fund
Investment Manager Sun Life Asset Management (HK) Limited
Fund Descriptor Equity Fund – Global Equity
Investment Focus Global equities
Investment Objective Seeks to provide members with investment results that, before fees and expenses, closely track the performance of the FTSE Custom MPF Developed Selected Countries ESG Low Carbon Select Hedged Index
Management fees
(as a % of p.a. of NAV)
Class A  N/A
Class B
No Class of Unit Up to 1.10%
No 11
Name of Constituent Fund Sun Life MPF Multi-Sector Equity Fund
Investment Manager Sun Life Asset Management (HK) Limited
Fund Descriptor Equity Fund – Global Equities
Investment Focus Global equities
Investment Objective Seeks to achieve long-term capital growth 
Management fees
(as a % of p.a. of NAV)
Class A  Up to 1.778%
Class B Up to 1.578%
No Class of Unit N/A
No 12
Name of Constituent Fund Sun Life MPF European Equity Fund
Investment Manager Sun Life Asset Management (HK) Limited
Fund Descriptor Equity Fund - Europe
Investment Focus At least 70% in European equities
Investment Objective Seeks to provide members with long-term capital growth
Management fees
(as a % of p.a. of NAV)
Class A  N/A
Class B
No Class of Unit Up to 1.305%
No 13
Name of Constituent Fund Sun Life MPF Asian Equity Fund
Investment Manager Sun Life Asset Management (HK) Limited
Fund Descriptor Equity Fund – Asia ex Japan
Investment Focus At least 70% in Asian equities
Investment Objective Seeks to provide members with long-term capital growth
Management fees
(as a % of p.a. of NAV)
Class A  Up to 1.893%
Class B Up to 1.693%
No Class of Unit N/A
No 14
Name of Constituent Fund Sun Life MPF US Equity Fund
Investment Manager Sun Life Asset Management (HK) Limited
Fund Descriptor Equity Fund - United States
Investment Focus At least 70% in US equities
Investment Objective Seeks to provide members with long-term capital growth
Management fees
(as a % of p.a. of NAV)
Class A  N/A
Class B
No Class of Unit Up to 1.285%
No 15
Name of Constituent Fund Sun Life MPF US & Hong Kong Equity Fund
Investment Manager Sun Life Asset Management (HK) Limited
Fund Descriptor Equity Fund - United States and Hong Kong
Investment Focus 50%-70% in United States equities, 30%-50% in Hong Kong equities
Investment Objective Seeks to provide members with long-term capital growth
Management fees
(as a % of p.a. of NAV)
Class A  N/A
Class B
No Class of Unit Up to 1.103%
No 16
Name of Constituent Fund Sun Life MPF Greater China Equity Fund
Investment Manager Sun Life Asset Management (HK) Limited
Fund Descriptor Equity Fund – Greater China
Investment Focus At least 70% in Greater China equities
Investment Objective Seeks to achieve long-term capital growth 
Management fees
(as a % of p.a. of NAV)
Class A  Up to 1.943%
Class B Up to 1.743%
No Class of Unit N/A
No 17
Name of Constituent Fund Sun Life FTSE MPF Hong Kong Index Fund
Investment Manager Sun Life Asset Management (HK) Limited
Fund Descriptor Equity Fund – Hong Kong
Investment Focus Hong Kong equities
Investment Objective Seeks to provide members with investment results that, before fees and expenses, closely track the performance of the FTSE MPF Hong Kong Index
Management fees
(as a % of p.a. of NAV)
Class A  Up to 0.963%
Class B Up to 0.963%
No Class of Unit N/A
No 18
Name of Constituent Fund Sun Life MPF Hong Kong Equity Fund
Investment Manager Sun Life Asset Management (HK) Limited
Fund Descriptor Equity Fund – Hong Kong
Investment Focus At least 70% in Hong Kong equities
Investment Objective Seeks to provide members with long-term capital growth
Management fees
(as a % of p.a. of NAV)
Class A  Up to 1.748%
Class B Up to 1.548%
No Class of Unit N/A

Note – The management fees shown in the table above include the management fees chargeable by the fund and its underlying fund(s) only. There may be other fees and charges chargeable to the fund and its underlying fund(s) or to you. For details, please refer to Section 5 - Fees and Charges of the MPF Scheme Brochure of the Scheme, which is available via the link: https://sunlife.co/75acba.

To help you make comparisons across different MPF funds and schemes, you may refer to the information on the MPF Fund Platform via the link: https://mfp.mpfa.org.hk/eng/mpp_index.jsp