Mandatory Provident Fund January returns rise over 3% Hong Kong people refuse to chase high prices and switch funds to lock in profits and reduce risks

BCT UnionPay Group reported that the Mandatory Provident Fund (MPF) return in January 2026 reached 3.62%, significantly higher than the 0.5% in the fourth quarter of 2025. BCT Senior Director Wang Yulin pointed out that Hong Kong residents are actively adjusting their retirement investments, with the number of fund switches in January increasing by approximately 40%. Data shows that investors tend to reduce risk by shifting to low-risk or conservative funds, rather than increasing their stock positions at high levels. IPP Financial Advisers Director Peng Yongdong stated that the current market has a broader upward trend, emphasizing the importance of diversified allocation to reduce volatility and seize market opportunities