Sun Life MPF Comprehensive Scheme

The Scheme offers constituent funds listed below (the “Constituent Fund”).

*Except for MPF Conservative Portfolio (which invests directly in permissible investments), the assets of the Constituent Funds are primarily invested in approved pooled investment funds (“APIFs”) (which are approved by the Mandatory Provident Fund Schemes Authority (“MPFA”) and authorised by the Securities and Futures Commission (“SFC”) and approved index-tracking collective investment schemes (“ITCISs”) (which are approved by the MPFA). Approval by the Mandatory Provident Fund Schemes Authority do not imply official recommendation. Authorisation by the Securities and Futures Commission do not imply official recommendation.

**The Constituent Funds are classified into three categories in terms of risk level, namely low, medium or high risk. The risk level is an illustration of the amount of risks associated with the relevant Constituent Fund by reference to the type of investments made by the underlying APIF(s) and the underlying approved ITCISs. The risk level is for reference only and not an indication of the past or future performance of the Constituent Fund. The risk level is solely assessed by the Trustee on the assumption that equities are riskier than bonds, which in turn are riskier than cash. The risk rating will be reviewed at least annually according to the prevailing market circumstances. The actual risks associated with each Constituent Fund may differ from the projected risk level. Low risk investment portfolios are designed for clients seeking low investment return with low risk exposure. Medium risk investment portfolios are designed for clients seeking medium investment return with medium risk exposure. High risk investment portfolios are designed for client s seeking high investment return with high risk exposure.

Online Pension Services Centre

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

24-hour Interactive Voice Response System (IVRS) & Sun Life Retirement Scheme Hotline

You may call our Client Service Representative via Sun Life Retirement Scheme Hotline on 3183 1900 during office hours, from Monday to Friday at 9:00am to 6:00pm and Saturday at 9:00am to 1:00pm (except public holidays) or use our 24-hour IVRS offering the following services:

Other fees and charges: Please refer to the respective MPF Scheme Brochure for further details
¹ These fees and charges are currently waived until further notice by trustee.
² Contribution charge, bid/offer spread and withdrawal charge are not applicable to Sun Life MPF Basic Scheme MPF Conservative Portfolio / Sun Life MPF Comprehensive Scheme MPF Conservative Portfolio.
³ The management fee of the US & Hong Kong Equity Portfolio under the Scheme is up to 1.283% of net asset value per annum.
⁴ Except Core Accumulation Portfolio and Age 65 Plus Portfolio (“DIS Funds”) under both Sun Life MPF Basic Scheme and Sun Life MPF Comprehensive Scheme. For fee information about the DIS Funds, please refer to the section of Fee Controls of Core Accumulation Portfolio and Age 65 Plus Portfolio (“DIS Funds”).

Fee Controls of Core Accumulation Portfolio and Age 65 Plus Portfolio (“DIS Funds”)

The aggregate of the payments for services of DIS Funds (“service fees”) must not, in a single day, exceed a daily rate of 0.75% per annum of the net asset value of each of the DIS Funds divided by the number of days in the year. The out-of-pocket expenses incurred by the trustee on a recurrent basis in the discharge of the trustee’s duties to provide services in relation to the DIS Funds, shall not in a single year exceed 0.2% of the net asset value of each of the DIS Funds.

The service fees covered within the fee cap include all fees for services provided by trustees, administrators, investment managers, custodians, sponsors and promoters (if any), as well as similar fees chargeable to the underlying investment funds.