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As the hiking season begins, many hikers are wasting no time in planning their hiking routes to enjoy the magnificent scenery from the hilltops.

MPF investment is similar to hiking, which also requires detailed planning and accumulation of retirement reserves step by step in order to achieve an ideal retirement life.

Plan well and understand the risks you can handle

As we all know, it is important to make a hiking plan, which includes studying the route and weather forecast. In the meantime, considering your physical conditions to avoid having any accident. Just like MPF which is a long-term investment spanning over 40 years, advance planning for this long journey is undoubtedly important.  

When choosing an MPF fund, scheme members should learn about the investment goals of different MPF funds. Every hiking route has its own level of difficulty, and it is important for hikers to understand which level they can handle. Similarly, in MPF investment, each fund has its own investment goal and risk level. Therefore, scheme members should choose a suitable MPF investment portfolio according to their stage of life, investment target, risk-tolerance level, personal needs, and so forth.

Regularly review and suitably adjust your portfolio

Reality is full of variables, and you may experience various unexpected situations during your outtings. For example, you may have to stop and take shelter from the rain or make a detour if your path is blocked.

During their long MPF journey, scheme members should review their MPF portfolio regularly, such as every 6 to 12 months, and adjust it according to their personal situation. Scheme members should adjust their investment strategy to reduce the investment risk when they are approaching retirement, for example. Furthermore, scheme members should consider the most suitable way to withdraw their MPF, such as withdrawing it by instalments, or keeping it in an MPF scheme for continued investment.

Avoid switching strategies frequently