Ayesha Macpherson Lau, chairman of the Mandatory Provident Fund Schemes Authority, speaks during a news conference on Dec 15, 2025, in Hong Kong. (PROVIDED TO CHINA DAILY)
For years, MPF has been a punching bag for employees. "High fees, low returns" was the standard complaint during exit interviews. Today’s news changes the narrative. With a 16% average return in 2025, the system has just delivered a massive "13th-month bonus" to your staff's retirement accounts—at no cost to the company.
Don't Let This News Go to Waste
Most employees won't check their balance unless you prompt them. If they don't see it, they don't value it.
The "Wealth Check" Email Template:
Send this before the New Year break to boost morale:
Subject: Good News: Have you checked your MPF balance this week?
Dear Team, You may have seen the news that MPF funds recorded an average return of 16% in 2025—the highest in 16 years.
While the company continues to contribute monthly, we encourage you to log in to your provider’s app today. Seeing your retirement savings grow is a great way to end the year!
Reminder: You can consolidate your accounts via the eMPF platform for easier management.
Why this matters:
It shifts the perception of MPF from a "tax" to a "benefit." In a year where cash bonuses might be tight (averaging 1.06 months), highlighting this investment gain helps soften the blow.
Reference - China Daily
https://www.chinadailyhk.com/hk/article/625461