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Prepare for a dream retirement with quality Manulife MPF schemes supported by our MPF Specialists at designated branches

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Prepare for a dream retirement with quality Manulife MPF schemes supported by our MPF Specialists at designated branches

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*.

Features

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Provided by Standard Chartered

Professional MPF Specialists at designated branches

Supported by an experienced team of experts from Manulife, our MPF Specialists at designated branches are dedicated to serving your needs on MPF.

Provided by Standard Chartered

Enjoy more prestige services by including MPF contributions in your Relationship Balance at the Bank

MPF account balance under Manulife MPF Scheme^ can be included in the Relationship Balance of your personal banking account under your sole name, enabling you to check your deposit, investment and MPF balance in a consolidated statement, online banking and SC Mobile app.

  • Download request form here to provide consent to the Bank to receive your MPF account information.
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Award-winning MPF schemes

Manulife, being the No.1 MPF scheme sponsor*, has garnered a number of accolades in terms of its ranking and performance of MPF scheme, product innovation, and service excellence.

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Comprehensive and diversified fund choices platform

It provides constituent funds ranging from equity funds (international, regional, single-market and sector), bond funds (international, regional and single-market), mixed assets funds (lifestyle and target date), guaranteed funds to money market funds to suit your personal retirement goals.

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Special fee privileges for loyal customers

Members may be entitled to join the customer programme of Manulife based on years of MPF relationship and size of MPF assets, subject to the terms and conditions of the programme.

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Market outlook

Stay connected with the market development for better portfolio management with market updates from Manulife.

Dedicated services for MPF accounts

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.

    • Consolidate and manage your own MPF assets with ease through Personal Account Consolidation or Employee Choice Arrangement

    • MPF account balance under Manulife MPF Scheme^ can be included in the Relationship Balance of your personal banking account under your sole name, enabling you to check your deposit, investment and MPF balance in a consolidated statement, online banking and SC Mobile app.

      • Download request form here to provide consent to the Bank to receive your MPF account information.
    • The latest updates on MPF fund performance, fund price e-Alert and e-Statement are available on Manulife’s online platform to assist you to monitor your MPF account efficiently.

    • Take your goals, MPF contributions, regular savings and investment needs into consideration to work out how much money you may need with the retirement calculator.

    • Set up an MPF TVC account as making additional contributions may help you save more for your retirement reserve while enjoying up to HKD60,000V tax-deductible limit.

    • Make your right choice today! With the implementation of ECA, employees are allowed to transfer accrued benefits from MPF contribution account under current employment to a personal account under a MPF scheme of own choice once per calendar year.

    • Over the course of your working life, you may have changed jobs and thus have several MPF schemes under different MPF service providers, each with its own investment portfolio. Consolidate your MPF personal account(s) into your desired MPF scheme for better management.

    • You should review your MPF portfolio regularly, in terms of asset allocation and funds selection to ensure it is in line with your retirement goals. Map out your retirement strategy now with reference to Manulife’s Retirement Planning Intelligence.

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.

    • Supported by an experienced team of experts from Manulife, our MPF Specialists at designated branches provide solutions tailored to your company, as well as assistance in setting up and arranging transfer of your Company’s MPF.

    • Digital solution provided by Manulife will help the employee enrolment into the MPF scheme much easier and faster. Various payment options of making MPF contributions are available for employer.

    • MPF is a long-term retirement plan for every employee. Make the smart choice for yourself, your employees and your company today!

      There are more than one MPF scheme for employees to choose the right MPF scheme according to their preference, such as fund varieties, fees and charges, and customer services from MPF providers.

    • It only takes two simple steps to calculate the first contributions for employees.

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.

    • You must open an MPF SEP account within 60 days from the day you have become self-employed. Supported by an experienced team of experts from Manulife, our MPF Specialists at designated branches provide solutions tailored to you, as well as assistance in setting up and arranging transfer of your MPF.

    • You can choose your preferred frequency for making MPF contributions, either on a monthly or yearly basis, when you first enrol into an MPF scheme.
      Various payment options of making MPF contributions and digital solutions provided by Manulife will help you mange your MPF account much easier and faster.

    • Make an appointment with our MPF Specialists to easily consolidate and manage your own MPF assets in your MPF accounts from your previous employment through MPF account consolidation.

    • Set up an MPF TVC account as making additional contributions may help you save more for your retirement reserve while enjoying up to HKD60,000V tax-deductible limit.

    • You should review your MPF portfolio regularly, in terms of asset allocation and funds selection to ensure it is in line with your retirement goals. Map out your retirement strategy now with reference to Manulife’s Retirement Planning Intelligence.

Tax deductible voluntary contributions (‘TVC’) account

TVC 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.Watch video to learn more about TVC

    • Making your own choices on the amount and frequency of contributions#.

    • Contributions are eligible for tax-deductible limit of up to HKD60,000V per year.

    • Withdrawal upon retirement at age of 65 or on other statutory grounds under the MPF legislation.

    • All balances in your TVC accounts from other MPF schemes can be transferred to your current TVC account under any preferred MPF scheme any time+.

    • Take your goals, MPF contributions, regular savings and investment needs into consideration to work out how much money you may need with the retirement calculator.

    • TVC account balance under Manulife MPF Scheme^ can be included in the Relationship Balance of your personal banking account under your sole name, enabling you to check your deposit, investment and MPF balance in a consolidated statement, online banking and SC Mobile app.

      • Download request form here to provide consent to the Bank to receive your MPF account information.
    • You should review your MPF portfolio regularly, in terms of asset allocation and funds selection to ensure it is in line with your retirement goals. Map out your retirement strategy now with reference to Manulife’s Retirement Planning Intelligence.

Find our MPF specialists at designated branches

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MPF Tax Deductible Voluntary Contributions
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Remarks

* Source: “Mercer MPF Market Shares Report” as at 30 June 2020 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”.

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. The actual amount of tax savings varies and depends on each individual situation, your net taxable income and the applicable tax rate.

#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.