Nearly 70% believe smart technology can help build better MPF portfolios AIA launches new MPF Smart Advisor to support members in achieving their desired retirement life

HONG KONG SAR - Media OutReach Newswire - 15 October 2025 - AIA Hong Kong (AIA) has released its latest "AIA Desired Retirement Tracker" (the survey), revealing that 72% of respondents do not have sufficient retirement reserves, with an average delay of 12.8 years expected before they can retire. Furthermore, nearly 60% have yet to establish a clear retirement savings plan, indicating that while most are aware of the financial pressures post-retirement, many have not made advance preparations to plan for their desired retirement. Although the Mandatory Provident Fund (MPF) plays a critical role in retirement savings, its importance is often underestimated. The survey found that respondents expect only around 30% of their retirement reserves to come from MPF. At the same time, many face challenges and confusion when making MPF investment decisions: 65% find it difficult to select MPF funds; 57% are unclear about the differences between fund types; 56% do not understand how to interpret fund performance; 45% are unaware of their actual annualised investment returns. Importantly, nearly 70% of respondents agree that smart technology can help build stronger MPF portfolios. These findings suggest that tech-enabled tools can boost confidence in retirement planning and encourage more proactive MPF management. In response, AIA's MPF trustee – AIA Trustee – has partnered with Magnum Research Limited (AQUMON ^#, a leading fintech company in Hong Kong, to launch the new MPF Smart Advisor. This innovative solution empowers users to make informed MPF investment decisions with ease, supporting their journey towards a desired retirement. Key features of MPF Smart Advisor:

• Simple and user-friendly: Users simply answer five investment risk assessment questions to receive a recommended AIA MPF investment portfolio from the MPF Smart Advisor, with instant access to historical performance data. The platform offers up to 50 portfolio options, a rare breadth in the market, enabling flexible planning tailored to individual needs. Personalised recommendations are available to suit a range of investment preferences, including:
  • Regional investment preferences: e.g. Hong Kong and Chinese Mainland, North America
  • ESG investment preferences: for those prioritising environmental, social, and governance factors
• Market-first^{^} feature: AIA MPF members can compare their current AIA MPF portfolios with the reference portfolio recommended by the MPF Smart Advisor, gaining clear insights into asset allocation. Users can also customise their own AIA MPF portfolio, simulate various configurations, and instantly view historical returns – all without executing actual fund switches — enabling more confident and informed decision-making.

• Retirement gap calculator: By inputting their age, assets, and desired retirement lifestyle, users receive a data-driven analysis from MPF Smart Advisor highlighting the gap between their expected savings and retirement expenses, along with actionable suggestions to close the gap and move closer to their desired retirement.
• Free access: MPF Smart Advisor is now available for free on the AIA+ mobile app, accessible to all AIA+ users.

Ms. Amelie Shen, Chief Corporate Solutions Officer of AIA Hong Kong and Macau, said, "As Hong Kong people live longer, early retirement planning becomes increasingly important. Yet many have not taken concrete action, and the retirement savings gap remains a pressing issue. At the same time, the market recognises the positive role of smart technology in retirement planning. To address this gap and meet the growing demand for intelligent, personalised retirement planning tools, AIA has launched MPF Smart Advisor – a smart solution offering professional investment advice to help users plan for retirement with greater autonomy and confidence." Ms. Shen added, "The earlier one begins retirement planning, the better positioned they are to leverage the benefits of dollar-cost averaging and the compounding effect — both of which enable individuals to navigate uncertainty with greater confidence and composure. Since AIA MPF joined the eMPF platform on 3 September, we have continued to offer diverse fund choices and market insights, along with forward-looking tools like MPF Smart Advisor to support advance preparations for retirement. Looking ahead, AIA remains committed to enhancing retirement services and helping individuals achieve 'Healthier, Longer, Better Lives'." Additional Highlights from the "AIA Desired Retirement Tracker":

• Desired...