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

a group of people discussing mpf planning in a meeting area

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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Personal account

Features

  • CONSOLIDATE YOUR MPF ACCOUNT(S) FOR BETTER MANAGEMENT

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

  • INCLUDE 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.

  • SIMPLE MPF ACCOUNT MANAGEMENT

    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.

Smart Tips

  • UNDERSTAND HOW MUCH YOU NEED FOR RETIREMENT

    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.

  • ENJOY TAX DEDUCTION BENEFIT

    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.

  • EMPLOYEE CHOICE ARRANGEMENT

    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.

  • PERSONAL ACCOUNT CONSOLIDATION

    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.

  • MPF PORTFOLIO REVIEW

    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

Experience a simple and easy online platform from Manulife. Manage your MPF accounts anytime, anywhere.

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Consolidate Your MPF Personal Accounts Online

Learn how to consolidate and manage your own MPF assets in one MPF account via Online Platform from Manulife.

Consolidate Your MPF Personal Accounts Online

Learn how to consolidate and manage your own MPF assets in one MPF account via Online Platform from Manulife.

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MPF and Bank Account Assets at a Glance

You can apply via SC Mobile to include your existing MPF or TVC account balance into your total relationship balance^ with us.

MPF and Bank Account Assets at a Glance

You can apply via SC Mobile to include your existing MPF or TVC account balance into your total relationship balance^ with us.

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Make an Appointment with our MPF Specialist

Questions? Schedule an appointment with our MPF Specialist for discussion.

Make an Appointment with our MPF Specialist

Questions? Schedule an appointment with our MPF Specialist for discussion.

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MPF Tax Deductible Voluntary Contributions
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Remarks

* Source: “Mercer MPF Market Shares Report” as of 30 September 2022 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.