Talk to our experts
Talk to our experts

Notice of Manulife (International) Limited’s Re-domiciliation from Bermuda to Hong Kong
We are pleased to share an exciting development regarding Manulife (International) Limited (“MIL”). Starting from November 2025, MIL will officially re-domicile from Bermuda to Hong Kong pursuant to the HKSAR government's new company re-domiciliation regime, subject to relevant regulatory approvals. This strategic decision reflects our strong confidence in Hong Kong's position as a premier international financial hub and underscores our commitment to serving you better.

 

What This Means for You as a Policyholder:

· Your existing policies and protection will remain completely unchanged. All existing arrangements, including the terms and conditions of your policies, as well as contractual rights, will remain unaffected.

· We will maintain our high standards of service as we continue to operate under the supervision of the Insurance Authority of Hong Kong.

· You can expect enhanced services and more innovative insurance solutions as we strengthen our presence in Hong Kong.

 

We value your trust in Manulife and remain committed to providing you with excellent service and protection. If you have any dispute, please notify us in writing within 30 days from the date of this notice. For details about this change, please feel free to contact your insurance advisor, call our customer hotline at (852) 2108 1333 (Hong Kong) or (852) 2108 1188 (Hong Kong), visit our website at manulife.com.hk, or email us at re-domiciliation@manulife.com. For further information, please refer to our FAQs.

 

Thank you for your continued trust in Manulife!

June 6, 2025

View more

Security Alert:
Stay vigilant for suspicious phone calls, emails, websites, apps and hyperlinks embedded in instant electronic messages, etc. allegedly related to Manulife.

Please be cautious of fraudulent SMS messages. Manulife will only send SMS to Hong Kong mobile numbers using a Registered SMS Sender ID that begins with "#Manulife."
If you receive any suspicious SMS or links that appear to be from Manulife, please do not reply, click, or open any links within the message. Please click here to learn more.

Manulife and its agents do not conduct any unsolicited calls related to Manulife MPF products. Regarding MPF cold calls, please click here. Besides, Manulife and its agents would not invite or claim to assist clients to withdraw accrued benefits from MPF accounts.  If you receive suspicious calls from any individuals impersonating “Manulife”, claiming to assist in withdrawing accrued benefits from MPF accounts, please do not provide any personal information and/ or MPF account information to suspicious individuals.

Beware of scams! Do not provide bank, credit card, investment, insurance and MPF account or other key personal information via hyperlinks embedded in suspicious messages purported to be coming from our institution!

Protect your personal data by keeping your Manulife customer website login password safe and change your password regularly. Manulife will never call you or send any SMS/email asking for your Manulife customer website login password. Stay vigilant for suspicious phone calls, emails, websites, apps and hyperlinks embedded in instant electronic messages, etc. allegedly related to Manulife. If you receive any calls claiming to be from Manulife, authenticate the caller’s identity (e.g. full name of the advisor and his/her Insurance/MPF Intermediary License No. or full name of the Manulife customer service officer). If the caller refuses to disclose such information, please do not continue with the conversation. Also, if you notice any suspicious transaction activities in your account with Manulife, or any account that is under your name but not set up by you, please inform us immediately. If you are in doubt, please contact us at (852) 2108 1188 (HK) / (853) 8398 0383 (Macau) or by email at service_hk@manulife.com (HK & Macau) for assistance.

View more

Notice of Manulife (International) Limited’s Re-domiciliation from Bermuda to Hong Kong
We are pleased to share an exciting development regarding Manulife (International) Limited (“MIL”). Starting from November 2025, MIL will officially re-domicile from Bermuda to Hong Kong pursuant to the HKSAR government's new company re-domiciliation regime, subject to relevant regulatory approvals. This strategic decision reflects our strong confidence in Hong Kong's position as a premier international financial hub and underscores our commitment to serving you better.

 

What This Means for You as a Policyholder:

· Your existing policies and protection will remain completely unchanged. All existing arrangements, including the terms and conditions of your policies, as well as contractual rights, will remain unaffected.

· We will maintain our high standards of service as we continue to operate under the supervision of the Insurance Authority of Hong Kong.

· You can expect enhanced services and more innovative insurance solutions as we strengthen our presence in Hong Kong.

 

We value your trust in Manulife and remain committed to providing you with excellent service and protection. If you have any dispute, please notify us in writing within 30 days from the date of this notice. For details about this change, please feel free to contact your insurance advisor, call our customer hotline at (852) 2108 1333 (Hong Kong) or (852) 2108 1188 (Hong Kong), visit our website at manulife.com.hk, or email us at re-domiciliation@manulife.com. For further information, please refer to our FAQs.

 

Thank you for your continued trust in Manulife!

June 6, 2025

View more

Security Alert:
Stay vigilant for suspicious phone calls, emails, websites, apps and hyperlinks embedded in instant electronic messages, etc. allegedly related to Manulife.

Please be cautious of fraudulent SMS messages. Manulife will only send SMS to Hong Kong mobile numbers using a Registered SMS Sender ID that begins with "#Manulife."
If you receive any suspicious SMS or links that appear to be from Manulife, please do not reply, click, or open any links within the message. Please click here to learn more.

Manulife and its agents do not conduct any unsolicited calls related to Manulife MPF products. Regarding MPF cold calls, please click here. Besides, Manulife and its agents would not invite or claim to assist clients to withdraw accrued benefits from MPF accounts.  If you receive suspicious calls from any individuals impersonating “Manulife”, claiming to assist in withdrawing accrued benefits from MPF accounts, please do not provide any personal information and/ or MPF account information to suspicious individuals.

Beware of scams! Do not provide bank, credit card, investment, insurance and MPF account or other key personal information via hyperlinks embedded in suspicious messages purported to be coming from our institution!

Protect your personal data by keeping your Manulife customer website login password safe and change your password regularly. Manulife will never call you or send any SMS/email asking for your Manulife customer website login password. Stay vigilant for suspicious phone calls, emails, websites, apps and hyperlinks embedded in instant electronic messages, etc. allegedly related to Manulife. If you receive any calls claiming to be from Manulife, authenticate the caller’s identity (e.g. full name of the advisor and his/her Insurance/MPF Intermediary License No. or full name of the Manulife customer service officer). If the caller refuses to disclose such information, please do not continue with the conversation. Also, if you notice any suspicious transaction activities in your account with Manulife, or any account that is under your name but not set up by you, please inform us immediately. If you are in doubt, please contact us at (852) 2108 1188 (HK) / (853) 8398 0383 (Macau) or by email at service_hk@manulife.com (HK & Macau) for assistance.

View more
Skip to main content Skip to notification content
Back

Key Scheme Information Document

Key Scheme Information Document For Manulife RetireChoice (MPF) Scheme

Trustee: Bank Consortium Trust Company Limited
Sponsor: Manulife (International) Limited
System operator: The eMPF Platform Company Limited
Scheme year end: June 30
Number of constituent funds: 13

This Key Scheme Information Document (KSID) provides you with key information about Manulife RetireChoice (MPF) Scheme, which forms part of the offering document. You should not make investment decisions based solely on this KSID.

For details of Manulife RetireChoice (MPF) Scheme, please refer to the MPF scheme brochure and the trust deed for Manulife RetireChoice (MPF) Scheme.

 

Download KSID as PDF

The Mandatory Provident Fund (MPF) System aims at assisting the working population of Hong Kong to accumulate retirement savings by making regular contributions.
Employees (full time or part-time) and self-employed persons aged 18 to 64, except the exempt persons, are required to participate in an MPF Scheme. To enrol in Manulife RetireChoice (MPF) Scheme, please submit enrolment instructions to the eMPF Platform via the eMPF Web Portal or the eMPF Mobile App.

If you are an employer, you need to know your MPF obligations, including enrolling new employees, making contributions and reporting terminated employees. If you have any questions relating to your MPF obligations as an employer, please contact the eMPF Platform. To become a participating employer of the Manulife RetireChoice (MPF) Scheme, please submit enrolment instructions to the eMPF Platform via the eMPF Web Portal or the eMPF Mobile App.

  • your retirement needs;
  • your projected MPF and other retirement savings upon your retirement; and
  • how much you need to save to meet your retirement needs.

If you are an employee (full time or part-time), both you and your employer are required to make regular MPF contributions for you, based on your “relevant income” as follows:

Monthly Relevant Income

Mandatory Contribution Amount

Employer’s Contributions

Mandatory Contribution Amount

Employee’s Contributions

Less than HK$7,100 Relevant income x 5%
Not required
HK$7,100 - HK$30,000 Relevant income x 5%
Relevant income x 5%
More than HK$30,000 HK$1,500
HK$1,500

“Relevant income” refers to wages, salaries, leave pay, fees, commissions, bonuses, gratuities, perquisites or allowances, expressed in monetary terms, paid or payable by an employer to an employee, but excludes severance payments or long service payments under the Employment Ordinance.

All mandatory contributions are immediately vested in you, except for the MPF derived from the employer’s contributions which, to the extent permitted by law, may be used for offsetting severance payments or long service payments.

If you are self-employed, you are required to make MPF contributions as follows:

Relevant Income

Annual

Relevant Income

Monthly Average

Self-employed Person’s Contributions

Less than HK$85,200

Less than HK$7,100

Not required

HK$85,200 - HK$360,000

HK$7,100 - HK$30,000

Relevant income x 5%

More than HK$360,000

More than HK$30,000

HK$360,000 x 5% = HK$18,000 per year OR
HK$30,000 x 5% = HK$1,500 per month

Whether you are an employee or self-employed, you may also consider making additional contributions (i.e. regular and non-regular voluntary contributions (VC), tax deductible voluntary contributions (TVC) and special voluntary contributions (SVC)) in light of your personal needs.

How to Open an Account

Your employer helps you open an account under the MPF scheme chosen by the company.

You select your own MPF scheme and open an account on your own.

(Note: some MPF schemes do not provide TVC accounts. You may check the MPF schemes which offer TVC accounts on MPFA’s Trustee Service Comparative Platform).

You select your own MPF scheme and open an account on your own.

(Note: some MPF schemes do not provide SVC accounts. You may check the MPF schemes which offer SVC accounts on MPFA’s Trustee Service Comparative Platform).

For details of different types of contributions, you may refer to the MPF scheme brochure for Manulife RetireChoice (MPF) Scheme - Administrative Procedures Section.

Upon joining the scheme, if you have not given any investment instructions to the eMPF Platform, your money will be invested under the Default Investment Strategy (DIS) automatically. For details of the DIS, you may refer to the MPF scheme brochure for Manulife RetireChoice (MPF) Scheme - Fund Options, Investment Objectives and Policies Section.

Alternatively, you can choose to invest in the following funds:

No. 
Name of Constituent Fund Investment Manager

Fund Descriptor

Investment Focus Investment Objectives

Management fees
(As a percentage of net asset value per annum)

Class A*

Management fees
(As a percentage of net asset value per annum)

Class B*

Management fees
(As a percentage of net asset value per annum)

Class T

1. Allianz MPF Core Accumulation Fund

Allianz Global Investors Asia Pacific Limited

Mixed Assets Fund - Global - Maximum equity around 65%
60% in equities; 40% in fixed-interest securities
To provide capital growth by investing in a globally diversified manner.
Up to 0.75%
Up to 0.75% Up to 0.75%
2.

Allianz MPF Age 65 Plus Fund

Allianz Global Investors Asia Pacific Limited

Mixed Assets Fund - Global - Maximum equity around 25%
20% in equities; 80% in fixed-interest securities
To provide stable growth for the retirement savings by investing in a globally diversified manner.
Up to 0.75% Up to 0.75% Up to 0.75%
3. Allianz Hong Kong Fund

Allianz Global Investors Asia Pacific Limited

Equity Fund - Hong Kong
Up to 100% in equities
To achieve long-term capital growth.
Up to 1.38%

Up to 1.18% Up to 1.15%
4. Allianz Greater China Fund
Allianz Global Investors Asia Pacific Limited
Equity Fund - Greater China
Up to 100% in equities
To achieve long-term capital growth.
Up to 1.38% Up to 1.18% Up to 1.15%
5. Allianz Oriental Pacific Fund
Allianz Global Investors Asia Pacific Limited
Mixed Assets Fund - Asia Pacific - Maximum equity 100%
50-100% in equities; 0-50% debt securities/convertible debt securities
To achieve long-term capital appreciation and income.
Up to 1.38% Up to 1.18% Up to 1.15%

* Class A Units, Class B Units, and Class T Units may be issued. Generally, Class T Units will be issued for SVC, TVC and Transfer Amounts; and Class A and Class B Units will be issued for other types of contributions. For details, please refer to the MPF scheme brochure for Manulife RetireChoice (MPF) Scheme - Administrative Procedures Section.

Note - The management fees shown in the table above include the management fees chargeable by the fund and its underlying fund(s) only. There may be other fees and charges chargeable to the fund and its underlying fund(s) or to you. For details, please refer to the MPF scheme brochure for Manulife RetireChoice (MPF) Scheme - Fees and Charges Section.

To help you make comparisons across different MPF funds and schemes, you may refer to the information on the MPF Fund Platform.

Investment involves risks. Please refer to the MPF scheme brochure for Manulife RetireChoice (MPF) Scheme - Risks Section for details of the risk factors to which the funds are exposed.

A risk class is assigned to each fund with reference to a seven-point risk classification scale based on the latest fund risk indicator of the fund. A fund in a higher risk class tends to show a greater volatility of return than a low-risk class fund. Information about the latest risk class of each fund is set out in the latest fund fact sheet (FFS) of Manulife RetireChoice (MPF) Scheme.

If you are an employee, you may opt to transfer your MPF derived from employee mandatory contributions in your contribution account under current employment (Original Scheme) to any other MPF schemes of your choice (New Scheme) once a year(1).
If your transfer involves selling your interests in a guaranteed fund, please check the terms and conditions of this fund as failure to fulfil some qualifying conditions may cause the loss of guaranteed returns. Your contribution account under current employment may consist of different parts of MPF derived from different sources and subject to different transfer rules, as follows:

Parts of MPF in a contribution account        
(i.e. Types of contributions that the MPF are derived from)
Transfer rule Type of account receiving the MPF
Contributions from current employment
Employer mandatory contributions Not transferable -
Employee mandatory contributions Transferable once every calendar year(1) Personal account
Employer voluntary contributions Subject to the governing rules of the Original Scheme Personal account
Employee voluntary contributions Subject to the governing rules of the Original Scheme Personal account
Contributions from former employment
Mandatory contributions transferred to the contribution account under current employment
Transferable at any time

Personal account or other contribution accounts(2)

Voluntary contributions transferred to the contribution account under current employment Subject to the governing rules of the Original Scheme Personal account or other contribution accounts(2)

If you are a self-employed person or tax deductible voluntary contribution (TVC) account holder, you can transfer your MPF held in your MPF contribution account, personal account or TVC account to any other MPF schemes of your choice at any time. Transfers of SVC between MPF schemes are not permitted.

(1) Unless the governing rules of the Original Scheme provide for more frequent transfer-out.
(2) Only applies to employees with two or more contribution accounts. If an employee is employed by more than one employer at the same time, he/she may have more than one contribution account.

You should proactively manage the MPF accumulated during your previous employment in one of the following ways:

Transfer the MPF to your “contribution account” opened under your new employment

Transfer the MPF to your existing “personal account”

If you do not have any personal accounts, and you are satisfied with the MPF scheme chosen by your former employer, you may consider retaining your MPF in a personal account under the scheme of your previous employment for investment.

Transfer instructions can be submitted via the eMPF Web Portal or the eMPF Mobile App.

If you have any questions relating to transfer of MPF, please contact the eMPF Platform.

In general, it is a good practice to review your fund choices regularly and adjust your MPF fund choices as you think fit.

How to adjust your MPF fund choices?

You may submit a new investment instruction (i.e. a new investment mandate or an asset rebalancing / switching instruction) to the eMPF Platform.

You may submit your new investment instructions to the eMPF Platform via the eMPF Web Portal or the eMPF Mobile App.

In order that your instructions can be processed on a dealing day, you must submit the completed investment instructions to the eMPF Platform before the cut-off time (currently at 4:00 pm Hong Kong time on the dealing day). For details, please visit the eMPF Platform website.

Members are limited to four rebalancing / switching instructions per calendar year or such greater number as may be determined by the Sponsor with consent of the Trustee.

Once you reach the age of 65, you can choose to withdraw your MPF, or choose to retain your MPF in the MPF Scheme.

By law you can withdraw your MPF early on the following six grounds:

If you withdraw your MPF at the age of 65 or 60 upon early retirement, you may choose to withdraw either in one lump sum or by instalments.

The law does not stipulate any deadlines for withdrawing MPF. You should consider your personal needs before making a withdrawal application. If you choose to retain all your MPF in your account, no application is required. Your MPF will continue to be invested in the fund(s) you have selected.

Withdrawal instructions can be submitted to the eMPF Platform via the eMPF Web Portal or the eMPF Mobile App.

If you have any questions relating to withdrawal of MPF, please contact the eMPF Platform.

Taxation

Employees are allowed to claim salaries tax deduction for their mandatory contributions, subject to a maximum deduction of HK$18,000 per year. Contributions that are made to TVC accounts may also be eligible for tax deduction. We recommend that you seek professional advice regarding your own tax circumstances.

Documents from the Master Trust

Scheme members will receive the following documents via the eMPF Platform:
1. Upon joining the scheme: this KSID and the Notice of Participation; and
2. Within three months after the scheme year end: the Annual Benefit Statement.

Other information

This KSID only provides a summary of the key features of Manulife RetireChoice (MPF) Scheme. For details of Manulife RetireChoice (MPF) Scheme, please refer to the trust deed and the MPF scheme brochure for Manulife RetireChoice (MPF) Scheme. Copies of these documents are available in the below hyperlink:

Trust Deed

MPF Scheme Brochure

The On-going Cost Illustrations for Manulife RetireChoice (MPF) Scheme, a document which illustrates the on-going costs on contributions to constituent funds in Manulife RetireChoice (MPF) Scheme, is available in the below hyperlink:

On-going Cost Illustration

The Fund Fact Sheets provide basic information (e.g. fund performance) on individual funds of Manulife RetireChoice (MPF) Scheme. Copies of these documents are available in the below hyperlink:

Fund Fact Sheet

If you wish to submit paper-based instructions to the eMPF Platform, the relevant forms can be downloaded via the eMPF Platform’s website at https://empf.org.hk/forms/en. Paper-based instructions may be submitted to the eMPF Platform by post, fax, email or in person.

Personal Data Statement

To obtain the latest copy of the personal data statement, please write to the Data Protection Officer at Bank Consortium Trust Company Limited, 18/F Cosco Tower, 183 Queen’s Road Central, Hong Kong, or contact the eMPF Platform.

If you would like to make an enquiry or a complaint, please feel free to contact the eMPF Platform.

eMPF Customer Service Hotline (852) 183 2622
Office Hours:
Monday to Friday: 9:00 am – 7:00 pm;
Saturday: 9:00 am – 1:00 pm;
Sunday & Public Holiday: Closed
eMPF Service Centres

Hong Kong Island: Unit 601B, 6/F, Dah Sing Financial Centre, No. 248 Queen’s Road East, Wanchai, Hong Kong

Kowloon: Suites 1205-6, 12/F, Chinachem Golden Plaza, No. 77 Mody Road, Tsim Sha Tsui East, Kowloon

New Territories: Suite 1802A, 18/F, Tower 2, Nina Tower, No. 8 Yeung Uk Road, Tsuen Wan, New Territories
 

Office Hours:

Monday to Friday: 9:00 am – 6:00pm;

Saturday: 9:00 am – 1:00 pm;

Sunday & Public Holiday: Closed

eMPF Web Portal

empf.org.hk/reg/type/en

Postal address

P.O. Box 98929, Tsim Sha Tsui Post Office

Fax number (852) 3197 2988
Email address enquiry@support.empf.org.hk