Hong Kong Mandatory Provident Fund Schemes Authority: No one can accurately predict the future market trends, Mandatory Provident Fund members should focus on diversifying investments.

Commercial organizations have released data on the monthly investment performance of Trillions of MPF. The Hong Kong Mandatory Provident Fund Schemes Authority stated that such data, which are released by commercial organizations, have no reference value for the members of Trillions of MPF. It might even lead members to view Trillions of MPF from a short-term trading perspective, which could have a negative impact on managing Trillions of MPF and could potentially result in members buying high and selling low, incurring unnecessary losses. The overall investment return of Trillions of MPF reflects the collective investment decisions of over 4 million members, and is a very general figure that is not directly related to the individual investment returns of each member. Each member's investment portfolio varies in terms of the risk level of the funds and the performance of the markets they invest in, hence the returns will also differ. Trillions of MPF is a long-term investment spanning over 40 years, and no one can accurately predict the future market trends. Therefore, it is recommended to diversify Trillions of MPF investments to mitigate the risks and impacts of market fluctuations. The Authority encourages members to take advantage of the benefits of different Trillions of MPF funds offered by the system, regularly review their Trillions of MPF investments, and establish a diversified investment portfolio to spread risks. For members who do not have the time or knowledge to manage their Trillions of MPF investments, they may consider preset investment strategies, also known as lazy funds. These strategies diversify investments in global stock and bond markets, with an automatic adjustment mechanism for risk reduction based on age, which can effectively reduce risks. Additionally, preset investment strategies also have a fee cap, indirectly increasing net investment returns.