Dear Members of the MPF Community,

As I step into a new term for the Pension Schemes Association, it is important to reflect on the vital role the Mandatory Provident Fund (MPF) has played in shaping retirement security for Hong Kong employees over the past 25 years. Since its inception in 2000, MPF has become an important element of financial well-being, helping millions of workers build a foundation for their future. Over the years, we have achieved significant milestones together – from strengthening regulatory frameworks to enhancing investment options and improving transparency for members.

2026 marks a pivotal year for the MPF system as different providers will be fully onboarded to the eMPF platform. This transformation will deliver greater efficiency, convenience, and digital accessibility for members, reinforcing the system’s resilience and adaptability in a rapidly evolving financial landscape.

The Pension Schemes Association will continue to play a critical role in bringing industry participants together to foster collaboration and innovation. Our shared purpose remains clear: to help the people of Hong Kong achieve their ideal retirement outcomes. This includes reinforcing investor education on both retirement planning and the benefit of long-term investing, empowering members to make informed decisions for their future.

Looking forward, my vision for the next two years as chairperson is to strengthen engagement across stakeholders, accelerate digital adoption, and champion initiatives that enhance transparency and trust. Together, we will support the MPF system to evolve to meet the needs of today’s workforce while safeguarding tomorrow’s retirees.

Thank you for your continued support as we embark on this exciting journey.

Charlotte Chan
Chairman, Pension Schemes Association