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MPF Services

Standard Chartered Wealth Management provides you with quality MPF products and services powered by our strong partnership with Manulife, the No. 1 MPF Scheme Sponsor*.



Personal account

As your trusted partner, we offer comprehensive retirement planning services with quality MPF solutions to facilitate your retirement planning, enabling you to manage your wealth and MPF assets at your fingertips.

Employer account

MPF is the obligation for every employer. Choosing the right MPF scheme will assist your employees for better retirement planning and minimise the MPF administration work within your company.

Self-employed account

If you are a sole-proprietor or partner in a business, you are regarded as a self-employed person (‘SEP’) under the MPF system. Choosing the right MPF scheme will help you reduce the MPF administration work.

Tax deductible voluntary contributions (‘TVC’) account

T VC is introduced as a new initiative on tax deductions starting from 1 April 2019 to encourage early retirement planning.  To enjoy tax-deduction benefit via making TVC, you must have an MPF contribution account/ personal account/ MPF Exempted ORSO Schemes account and set up a TVC account in an MPF scheme of your choice.  Each eligible tax payer can enjoy a tax-deductible limit of up to HKD60,000V per assessment year under salaries tax and personal assessment.

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! Terms and conditions apply.

* Source: “Mercer MPF Market Shares Report” as of 31 December 2023 by Mercer (Hong Kong) Limited, in terms of market share of total MPF assets by scheme sponsor.

^Please refer to the Opt-in/Opt-out Request Form and the definition of Relationship Balance in the booklet of “Service Charges – An easy guide to banking fees”.

**Source: Calculated based on MPF Fund Platform from MPFA website as of 31 August 2020, in terms of the number of constituent funds of each MPF scheme.

VThe maximum tax-deductible amount is HKD60,000 per assessment year under salaries tax and personal assessment. This is an aggregate limit for both TVC and other qualifying deferred annuity premiums in aggregate. The illustration of tax savings of HKD10,200 is calculated by multiplying HKD60,000 by 17% where HKD60,000 and 17% represent the maximum tax-deductible amount and the current highest progressive tax rate respectively. However, please note that this is for illustration only; in particular, not every taxpayer who uses up the maximum tax-deductible amount of HKD60,000 will enjoy HKD10,200 in tax savings as the actual amount of tax savings vary, depending on, for example, the taxpayer’s net taxable income, applicable tax rate, tax allowances and deductions entitled as well as the amount of TVC and other qualifying deferred annuity premiums, etc.

#Subject to the rules of the MPF scheme.

+Tax Deductible Voluntary Contribution (TVC) can only be paid or transferred into a TVC account, which is separate from a contribution account or a personal account. Transfer of TVC must be in a lump sum (full account balance), transfer in part will not be accepted.  Meanwhile, transfer of accrued benefits from a TVC account to another TVC account cannot be claimed as deductions for taxation purpose.

Important Notes

Standard Chartered Bank (Hong Kong) Limited is a distributor of the MPF scheme, a product of Manulife (International) Limited (Incorporated in Bermuda with limited liability). In respect of an eligible dispute arising between the Bank and the customer out of the selling process or processing of the related transaction, the Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the governing rules of Manulife’s MPF scheme should be resolved directly between Manulife and the customer.

Investment involves risk. Price of units of any constituent funds and the income from them may go down as well as up. Past performance is not an indicative of future performance. Before making any investment decision to invest in a scheme, members should read the MPF Scheme Brochure for more detailed information (including risk factors, fees and charges) on the scheme and its constituent funds. Investors should ensure they fully understand the risks associated with the scheme, and should also consider their own investment objective and risk tolerance level. If in doubt, please seek independent financial and professional advice.

This webpage does not constitute any offer, invitations or recommendation to any person to enter into any scheme or any transaction described therein or any similar transaction. This webpage has not been reviewed by the Securities and Futures Commission or any regulatory authority in Hong Kong.