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The newly launched AIA MPF Smart Advisor is a digital tool designed to provide professional investment advice on fund choices and support proactive retirement planning.
This article is brought to you by AIA Hong Kong Corporate Solutions.
What does your ideal retirement look like, and are you on track to make it a reality?
While retirement aspirations vary from person to person, the latest findings from the AIA Desired Retirement Tracker1 reveal a concerning trend: 72% of respondents in Hong Kong lack 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.
“As Hong Kong people live longer, early retirement planning becomes increasingly important,” says Amelie Shen, Chief Corporate Solutions Officer of AIA Hong Kong and Macau (pictured above). “Yet, many have not taken concrete action, and the retirement savings gap remains a pressing issue.”
Many individuals face challenges and confusion in managing their MPF investments, with 65% finding it difficult to select MPF funds. Encouragingly, nearly 70% believe smart technology can help build stronger MPF portfolios and foster more confident, proactive planning.
Smart tools for smarter retirement decisions
To address the challenges, AIA’s MPF trustee – AIA Trustee – has partnered with fintech firm Magnum Research Limited (AQUMON) and launched the MPF Smart Advisor2 – a free digital solution available via the AIA+ mobile app, accessible to all AIA+ users. It aims to ease MPF investment decisions on fund choices, and support users in planning for their desired retirement.
Key features include:
- Personalised fund portfolio recommendations based on a five-question risk assessment, tailored to individual preferences, including regional and ESG-focused investments.
- Portfolio comparison tools that allow users to evaluate their current MPF holdings against recommended reference portfolios, offering actionable insights into fund selection.
- A retirement gap calculator that analyses users’ age, assets, and lifestyle goals to identify shortfalls and suggest actionable steps.
“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,” adds Shen.
“AIA has launched MPF Smart Advisor – a smart solution offering professional investment advice to help users plan for retirement with greater autonomy and confidence. Looking ahead, AIA remains committed to enhancing retirement services and helping individuals achieve ‘Healthier, Longer, Better Lives’.”
Ready to take control of your retirement planning? Log in to the AIA+ mobile app now and experience for free!
Step 1: Log in to the AIA+ mobile app
Step 2: Tap ‘Menu’ at the bottom of the Home Page
Step 3: Select ‘MPF Smart Advisor’
1. The 16th edition of the “AIA Desired Retirement Tracker” was conducted from 13 to 31 August 2025 through online questionnaires and face-to-face interviews with 1,003 working individuals in Hong Kong aged 18–65, each holding at least one MPF account. The survey data was weighted according to the distribution of Hong Kong's working population – including factors such as age, gender, and monthly personal income – to ensure the sample fully reflected the characteristics of Hong Kong's working population. The survey was conducted by Cimigo, an independent market research and consultancy agency.
2. MPF Smart Advisor and the Services are independently operated and provided by Magnum Research Limited (AQUMON). Magnum Research Limited holds licenses issued by the Mandatory Provident Fund Schemes Authority and is authorised by the Securities and Futures Commission of Hong Kong (SFC) for regulated activities of Type 1 (dealing in securities), Type 4 (advising on securities), and Type 9 (asset management). The investment recommendations are solely provided by Magnum Research Limited. AIA Company (Trustee) Limited, AIA International Limited ("AIAI") and its affiliated intermediaries do not provide any investment advice.
Photo & image / AIA Hong Kong Corporate Solutions
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