eMPF Tips | eMPF is Coming: Stay Calm and Gear up for a Stress-Free Transition

The transition to the eMPF platform stands out as the most critical focus in MPF market. Launched by the MPFA in June 2024, this comprehensive online platform provides a one-stop solution for managing approximately 11 million MPF accounts[1] across Hong Kong. It allows employees and employers to conveniently handle MPF administration instructions, including checking account balances, consolidating accounts, adjusting investment portfolios, and processing voluntary contributions etc.

What Are the Benefits of eMPF?

Employees that have changed jobs over the years may have accumulated several MPF accounts, especially if they haven’t consolidated them after each job change. Managing these accounts requires submitting instructions to different trustees, which is time-consuming and inconvenient. Moreover, scattered account balances make it difficult to plan effectively for retirement.

With eMPF, you only need to register once to access and manage all your MPF accounts through a single platform, even if they are managed by different trustees. This unified approach makes it easier to keep track of your retirement savings, boosting motivation and efficiency in retirement planning.

What Should You Pay Attention to When joining eMPF?

As an employee, you must be aware of the onboarding schedule of your MPF scheme. You can check the latest schedule for MPF trustee and scheme onboarding the eMPF platform on MPFA website. Once you receive the notification from your trustee, you can register for an eMPF account. Before joining, make sure you learn the basic operations of the platform. Read the communication pack from your trustee and pay attention to the eMPF website.

After logging into the eMPF platform, thoroughly review and confirm the accuracy of migrated data, including personal information, employment details, relevant income[2], investment choices, contribution records, and other relevant details. Please note that your account details will not be displayed in eMPF Platform if the schemes are not onboarded to eMPF Platform yet.

Feeling Overwhelmed by Change? Stay Calm and Be Prepared

It’s normal to feel overwhelmed about the significant changes in MPF management. Some may consider switching MPF provider to delay transitioning to the eMPF platform. However, moving to eMPF is inevitable. According to the MPFA onboarding schedule, all trustees and schemes in Hong Kong will complete their onboarding by the end of 2025. Switching provider to slightly delay the transition could lead to an out-of-market period, potentially harming your returns, which might not be worth it. 

Therefore, it is suggested adopting a calm and proactive approach when facing the eMPF transition. Stay informed by closely following the eMPF-related information provided by your trustee and prepare early. You can also utilize the customer support services offered by eMPF to access the latest updates.

Source： 

[1] Mandatory Provident Fund Schemes Statistical Digest Quarterly Report in March 2025 from MPFA 

[2] According to MPFA website, “Relevant Income” refers to all monetary payments paid or payable by an employer to an employee. Including any wages, salary, leave pay, fees, commissions, bonuses, gratuities, perquisites or allowances. Excluding the severance payments or long service payments under the Employment Ordinance.

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