As noted in previous articles, November 2025 MPF gains exceeded HK$44K per member, largely driven by equities. For those avoiding full equity exposure while seeking reasonable returns, GUM Chief Investment Officer Christopher reviews mixed asset fund strategies.

Balanced Growth: Why Choose MPF Mixed Asset Funds?

MPF Mixed asset funds blend stocks, bonds, and cash to balance risk and reward—ideal for many MPF members. Through November 2025, they averaged 15.7% returns.

With equities still offering upside potential, we recommend MPF funds with higher China-Hong Kong equity allocations. Note: higher equity weight means greater volatility—choose based on your risk tolerance.

Top MPF Mixed Asset Schemes for Nov 2025

Strong performances across stock and bond markets boosted returns, with aggressive MPF funds (80–100% equity) averaging nearly 20%.

Leaders:

1. Manulife RetireChoice (MPF) Scheme — Allianz Oriental Pacific Fund: 32.8%
2. Principal MPF – Smart Plan — Principal Growth Fund: 24.2%

Hands-Off Option: Which MPF DIS Funds Stand Out?

For minimal effort, the MPF Default Investment Strategy (DIS) automatically adjusts between the Core Accumulation Fund and Age 65+ Fund based on age, gradually reducing risk.

Through November:

1. Core Accumulation Fund: Haitong MPF Retirement Fund — Haitong Core Accumulation Fund: 17.9% (others typically 12–15%)
2. Age 65+ Fund: Haitong MPF Retirement Fund — Haitong Age 65 Plus Fund (Class A): 9.4%

Summary

MPF Mixed asset funds offer an excellent middle ground in November 2025—capturing equity gains with bond cushioning. DIS suits long-term, hands-off investors seeking balanced, professional management.

Ready for a personalised MPF strategy? Contact GUM’s MPF expert team—we’ll tailor an investment plan to keep your retirement savings growing steadily.