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Dear Sue, may I ask which provider you are using ?? Many thanks
Life is an illusion

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­ì©«¥Ñ chungyong ©ó 2010-10-5 09:54 µoªí

Dear Sue, may I ask which provider you are using ?? Many thanks
Why? Are you going to check if Sue is using the same provider as what you¡¦re using and quit it if the answer is positive, isn¡¦t it?

Take my advice, don¡¦t change your provider unless the management fee of which is unreasonably high, otherwise it¡¦s not worth doing so. Don¡¦t forget that you may need to pay charge for changing a provider!

Just change the type of fund will do. In fact, the poor performance of Sue¡¦s fund may be largely due to the market, you can¡¦t blame anybody at all.

Please remember, the other side of the grass is not necessarily greener!
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­ì©«¥Ñ mtpen ©ó 2010-10-5 03:07 µoªí


Why? Are you going to check if Sue is using the same provider as what you¡¦re using and quit it if the answer is positive, isn¡¦t it?

Take my advice, don¡¦t change your provider unless the man ...
mtpen c-hing, no, I do not intend to do that, you are right, the markets are the main reasons to be blamed, and I found that the choices of fund is very important and determine the results.
Life is an illusion

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­ì©«¥Ñ chungyong ©ó 2010-10-5 17:31 µoªí

...and I found that the choices of fund is very important and determine the results.
Sure, getting the right fund is therefore equally important as getting the right provider.

For pension funds, it¡¦s better to stay away from those high-risk funds, e.g. those claiming that the fund price could go up 8% and above per year. It¡¦s too good to be true!

If I were you, I¡¦d stay away from those funds heavily invested in the emerging markets, e.g the BRICs, particularly when you¡¦re getting close to your retirement.  
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¤Þ¥Î:
­ì©«¥Ñ chungyong ©ó 2010-10-5 09:54 µoªí


Dear Sue, may I ask which provider you are using ?? Many thanks
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¤Þ¥Î:
­ì©«¥Ñ mtpen ©ó 2010-10-5 11:07 µoªí


Why? Are you going to check if Sue is using the same provider as what you¡¦re using and quit it if the answer is positive, isn¡¦t it?

Take my advice, don¡¦t change your provider unless the man ...
In Hong Kong, we are not ALLOWED TO change the provider....

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©O¡A¤W¬P´Á¥|¡]¤E¤ë30¸¹¡^¥X嗰¥»³ü¶g刋¸Ì­±¦³­Ó°­¨Ð¥s Paul Curley Ëݼg: ¡KWill China be a democratic country in 2047? I¡¦m not as confident as they are, but I sure hope they¡¦re right. ©OºØÚ»ªk响Ê\哋嚟Á¿¡A«Y®Ú²`¸¦©T¡A¤T¥y­ø®I¡A´N·|´£¤¤°ê¬FÅv·|ÂIÂIÂI¡A¸Ü¤§§AÃѵn³°¤õ¬P¬Æ¦Ü¤Ó¶§¡C¤¤°ê¤H´N­ø·|çÜ吓¤H®a¥¼¥²µL¤¤¥Í¦³¡A¬é·íÊ\ºØ±Úª[µø½}¤F¡C

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­ì©«¥Ñ suewong ©ó 2010-10-5 12:11 µoªí


¶×Â׻Ȧæ¡C§Úªº²Õ¦X¬O §¡¿Å¡A«O¦u¡A«í«ü¡A¼Wªø¡A¥­§¡¤À°t¡C
HSBC is the biggest MPF provider in HK, , so cannot say it is not good. HSBC MPF Balanced Fund should have gained above 25% up to 31 Aug. 2010 since 1 Dec. 2000. For Hang Seng sand Growth fund, the gain should be even more. ( HSBC MPF Hong Kong and Chinese Equity Fund, the Dec. 2000 to Aug 2010 return was about 63%. Not have the figure for Conservative.

Disclaimer : I do not work for HSBC.


¬ÛÃö·j¯Á¥Ø¿ý: »È¦æ
Life is an illusion

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¤Þ¥Î:
­ì©«¥Ñ suewong ©ó 2010-10-5 12:21 µoªí


In Hong Kong, we are not ALLOWED TO change the provider....
Lady Sue, not necessarily no way, as you mentioned you have changed job in the past, do you have preserved account ? as long as one has more than one MPF provider account, I thought he /she can move the money between different provider. May be can check that.
Life is an illusion

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