MPF Navigator¹ assists you in understanding your investment style and risk tolerance. The latest quarterly update to the “Reference Portfolio”² is now ready. As of November 28, 2025, the year-to-date annualized returns across all five reference portfolio categories have shown positive growth:

• Ambitious: + 18.81%
• Growth: + 16.58%
• Balanced: + 13.64%
• Stable: + 10.94%
• Cautious: + 7.84%

Log in to the Sun Life MPF App or Online Pension Services Centre to check out the latest “Reference Portfolio” update now!

Note: 

1 Disclaimer: “MPF Navigator” (AQUMON platform) and its services are independently operated and provided by Magnum and are not related to Sun Life Hong Kong Limited or its affiliates (“Sun Life”). Any recommended portfolio(s) or information on the AQUMON platform is strictly for reference only. Investment involves risks and past performance is not indicative of future performance. Investment decision should not be solely based on fund performance. Other factors (e.g. fund’s investment objective, fees and charges, fund risk level, service level) should also be considered.

2 Source: AQUMON

Sun Life MPF Income Fund aims to provide stable payouts while reinvesting to foster long-term capital growth³, aiming to help MPF members accumulate savings before retirement.

The first dividend record date for the Sun Life MPF Income Fund was 31 October 2025, with dividends distributions commencing in November 2025 to eligible accounts. You can check dividend history by logging into the member online platform and selecting "View Contribution History" under the eligible account on the homepage⁴.

Learn About This Fund

Note: 

3 The Sun Life MPF Income Fund does not provide any guarantee on the capital or investment return or dividend amount/yield. There is no assurance on the dividend distribution frequency and the amount of dividends, and the dividend amount/yield may fluctuate. Despite the above, dividends will be allocated to members’ accounts/ sub-accounts for investment. Please refer to the MPF Scheme Brochure for further details including risk factors. It is intended that the Sun Life MPF Income Fund will provide a stable income by distributing dividend to members’ MPF account on a monthly basis. It is intended that the Sun Life MPF Income Fund will start distributing dividend on the seventh month (or any other month as advised by the Investment Manager – Sun Life Asset Management (Hong Kong) Limited if the Trustee or the Investment Manager considers appropriate) after the launch date of 17 February 2025.

4 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. Dividend rate is not indicative of fund performance. Dividend rate is not indicative of fund performance. A positive distribution yield does not imply a positive return. Historical dividend yield is not indicative of future dividend payment.

The global economy in 2026 is likely to display modest imbalances in the early part of the year. However, as the year progresses, fiscal expansion policies are expected to deliver tangible results, while the effects of tariffs may gradually subside. The continued rapid expansion of artificial intelligence (AI) will further bolster sustained economic momentum. These dynamics are projected to support equity markets, although elevated valuations highlight the critical need for diversified risk management strategies.

To learn the market outlook for the December of 2025 provided by Sun Life Asset Management (HK) Limited, you can access the full version of the PDF Market Navigator – December 2025 for more details.

As artificial intelligence (AI) advances at a rapid pace, how will it shape the investment outlook across different industries?

Benjamin Deng, President of Sun Life Asia Asset Management, noted in a recent interview with Hong Kong Economic Times that global AI technology is still in its early stages. He expects it to continue expanding and accelerating over the next decade. He suggests that investors may consider exploring industries related to AI development, such as energy supply and infrastructure.

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