Make additional voluntary contributions to further grow your retirement reserve

AIA MPF Happy Retirement Savings Programme

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AIA MPF Happy Retirement Savings Programme

Grow your wealth over time by making voluntary contributions from our diverse fund choices, all through your regular MPF platform. AIA also provides flexible contributions and withdrawal arrangements for your retirement preparation.

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Highlight features

Flexible contribution and withdrawal arrangement

Contributions can be made in lump sum or on a monthly basis, for as low as HK$300. What's more, you can withdraw your funds up to 4 times per year4.

Special privilege

Enjoy special management fees (in the form of a rebate)5

Find out more

Range of funds to choose from

Choose from among our comprehensive range of MPF funds, which cover fixed income, equity, lifestyle and dynamic asset allocation funds.

Comprehensive "low fee" fund choices1

We offer close to 10 "low fee" funds with management fees as low as 0.75%2. Management fees for other AIA MPF funds are up to 1.73%2.

Free fund switching

Unlimited free fund switching3

Do you need to delay your retirement?

  • With an individual shortfall of HK$2.7 million (median), a record-high among all previous surveys
  • Nearly 7 in 10 will not be able to achieve their retirement reserve goals
  • Those who cannot achieve their retirement reserve will have to delay retirement by over 12 years
Source: AIA Desired Retirement Tracker, March 2024

How to contribute

Direct debit or autopay

Credit card

Cheque by post

Note:
  • The Happy Retirement Savings Programme is not a savings plan. It invests in MPF funds provided by AIA.
  • Investment involves risks and not all investment choices provided by AIA would be suitable for everyone. Investment performance and returns may go down as well as up.
  • Contribution amount, withdrawal amount, and remaining balance in your account are subject to a minimum amount.
  • Switching or rebalancing requests from certain portfolios may be subject to an annual limit.
  1. Funds with a Fund Expense Ratio (FER) of ≦1.3% or management fees, plus guarantee charges if applicable, of ≦1%. Source: MPFA website, data as at 28 February 2023.
  2. Per annum of net asset value.
  3. Except for Guaranteed Portfolio which participants are permitted to raise only one switch request out of this fund to other fund(s) within the same scheme year. Switches or reallocations via the Interactive Voice Response System or Interactive Website are free of charge, but subject to an access fee (which is currently waived).
  4. The minimum withdrawal amount is HK$2,000 per transaction. The remaining balance must be HK$5,000 or above.
  5. Terms & conditions apply, please refer to the programme brochure.