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When can you withdraw your MPF?

Once you reach the age of 65, you can choose any of the following ways to manage your MPF benefits:

  • withdraw your MPF benefits by instalments;
  • withdraw all your MPF benefits in a lump sum; or
  • retain all your MPF benefits in your account for continued investment

Under the law, you can withdraw your MPF benefits before you reach age 65 on one of the following grounds:


Early Retirement


Terminal Illness


Permanent Departure from Hong Kong


Total Incapacity




Small Balance

The law does not stipulate any deadlines for withdrawing MPF. You should consider your personal needs before making a withdrawal application. If you choose to retain all your MPF in your account, no application is required. Your MPF will continue to be invested in the fund(s) you have selected.

To apply for withdrawal of your MPF benefits, you should complete and submit one of the following claim forms which can be downloaded via:

Claim Form for Payment of Accrued Benefits on Ground of Attaining the Retirement Age of 65 or Early Retirement [MPF(S)-W(R)]

Claim Form for Payment of Accrued Benefits on Ground of Permanent Departure from Hong Kong/ Total Incapacity/ Terminal Illness/ Small Balance/ Death [MPF(S)-W(O)]

For enquiries about withdrawal of MPF benefits, please contact your MPF intermediary or Sun Life Pension Services Hotline at (852) 3183 1888.