(1) Introduction to Mandatory Provident Fund 2-3. (2) Enrolment 4. (3) Contribution Arrangement 4-6. (4) Voluntary Contributions 6
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2 Contents Pages (1) Introduction to Mandatory Provident Fund 2-3 (2) Enrolment 4 (3) Contribution Arrangement 4-6 (4) Voluntary Contributions 6 (5) Special Voluntary Contribution Account 6-7 (6) Change of Investment Mandate or Fund Switching 7 (7) Transfer of Accrued Benefits 8-9 (8) Withdrawal of Accrued Benefits 10 (9) Change of Personal Information 11 (10) Member Communication 12 (11) Copying Service 12 (12) Personal Account 12 (13) Account Management/ Enquiry Channels (14) Useful References 15 (15) Risk Tolerance Self-Assessment 16 MPF0023(08/2015) 1
3 (1) Introduction to Mandatory Provident Fund (1) Coverage Full-time or part-time employees between the age of 18 and 65 who have been employed for 60 days or more under an employment contract (irrespective of hours worked). The following people are exempted from joining an MPF scheme: Domestic employees and self-employed hawkers; People covered by statutory pension or provident fund schemes, such as civil servants and subsidised or grant school teachers; People from overseas who enter Hong Kong for employment for less than 13 months, or who are covered by overseas retirement schemes; Members of occupational retirement schemes which are granted MPF exemption certificates; and Employees of the European Union Office of the European Commission in Hong Kong. (2) Mandatory Contributions for Employer and Employee The employer and the employee must each contribute 5% of the employee's relevant income*. For contribution periods starting from 1 st November, 2013, the minimum level of relevant income has been amended from HK$6,500 to HK$7,100. For contribution periods starting from 1 st June, 2014, the maximum level of relevant income has been amended from HK$25,000 to HK$30,000. Contributions in respect of the relevant income are summarised below: Monthly Relevant Income (HKD) Employer's Mandatory Contribution Employee's Mandatory Contribution less than 7,100 5% Not required 7,100 to 30,000 5% 5% 30,000 or above Maximum HK$1,500 Maximum HK$1,500 * "Relevant income" refers to all payments in monetary terms given to employees, including wages, salary, leave pay, fee, commission, bonus, gratuity, perquisite or allowance (including housing allowance or other housing benefit), but excluding wages in lieu of notice, severance payments, and long service payments paid accordance to the Employment Ordinance. (3) Vesting of Benefits The accrued benefits derived from the mandatory contributions made by you and your employer are fully and immediately vested in you. 2
4 (4) Withdrawal of Accrued Benefits All accrued benefits must be preserved until you reach the age of 65, except under the following circumstances: Death Total incapacity Early retirement at the age of Permanent departure from Hong Kong Small balance account (below HK$5,000) Terminal illness (5) Portability of Accrued Benefits 1. Employee Choice Arrangement The Employee Choice Arrangement ("ECA") came into effect on 1 st November, Employees are allowed to transfer their accrued benefits, i.e. the accumulated contributions and investment returns, which arise from the employee mandatory contributions made during their current employment to another MPF trustee and scheme of their own choice once every calendar year (the period from 1 st January to 31 st December in any given year); or not to make any change by retaining the accrued benefits in the MPF scheme they are currently enrolled in. 2. Upon change of employment, you can choose to: Retain accrued benefits in your current MPF scheme Transfer accrued benefits to another scheme of your choice Transfer accrued benefits to your new employer's MPF scheme (6) Long Service Payment or Severance Payment Employers can offset any long service payment or severance payment paid in accordance with the Employment Ordinance to the employee against the accrued benefits derived from the employer's contributions. (7) Tax Concession Mandatory contributions made by an employee are tax deductible. The maximum deductible amount for the year of assessment 2014/15 is HK$17,500, and for the year of assessment 2015/16 and for each year after that year is HK$18,000. However, voluntary contributions made by employee are not deductible for salaries tax. 3
5 (2) Enrolment (1) Enrolment Procedures Relevant employees: The employer must enrol the relevant employee in a registered MPF scheme within the first 60 days of employment by completing a "Member - Membership Application Form (Relevant Employee)" for the Master Trust Scheme, Value Scheme or Industry Scheme. Procedures: 1. You must complete the enrolment form with your details and indicate your investment choice. If no investment choice is provided, all contributions will be invested in the Stable Fund. 2. Return your completed form to your employer to be signed with an authorised signature and company chop. The completed form and a copy of your Hong Kong ID card should be sent to any BEA branch or BEA MPF Administration Centre before the enrolment deadline. 3. After receiving and processing your completed form, the BEA MPF Administration Centre will dispatch your Notice of Participation to you by post directly. Casual employees: As a casual employee, you are required to enrol in the Industry Scheme by completing and submitting a "Member - Membership Application Form (Casual Employee)" either (i) on the first contribution day if your employer has chosen to make contributions on the next working day following payday; or (ii) on the 10 th day after employment commences if your employer has chosen to make contributions within 10 days after the end of the payroll period. Procedures : 1. You must complete the enrolment form with your details and indicate your investment choice. If no investment choice is provided, all contributions will be invested in the Stable Fund. 2. Return your completed form and a copy of your Hong Kong ID card to any BEA branch or BEA MPF Administration Centre before the enrolment deadline. 3. After receiving and processing the completed form, we will dispatch your Notice of Participation and casual employee card to you by post directly. (3) Contribution Arrangement Relevant employees: The employer is required to make contributions for all employees who are employed for 60 days or more starting from the first day of employment. Employees are not required to make contributions for the first 30 days of employment and the following incomplete payroll cycle. 4
6 Casual employees: Employers are required to make contributions for casual employees in the construction and catering industries who are employed on a daily basis, or for a fixed period of less than 60 days. Both the employer and the employee should make contributions on the next working day following payday or within 10 days after the end of the payroll period. The mandatory contribution is subject to maximum and minimum levels of relevant income. For contribution periods starting from 1 st November, 2013, the minimum level of relevant income has been amended from HK$6,500 to HK$7,100. For contribution periods starting from 1 st June, 2014, the maximum level of relevant income has been amended from HK$25,000 to HK$30,000. Example (Relevant employees): Employee is over 18 years old and is paid monthly (from the first to the last day of a month) Relevant Income : HK$7,100 Date of Employment : 2 nd Sept, 2015 The 30 th day of employment : 1 st Oct, 2015 The 60 th day of employment : 31 st Oct, 2015 (Saturday) Enrolment deadline : 2 nd Nov, 2015 Commencement date of employer s mandatory contribution : 2 nd Sept, 2015 Commencement date of employee s mandatory contribution : 1 st Nov, day contribution holiday* first incomplete payroll cycle # Employee's contribution deadline 2 Sept 2 Oct 31 Oct 10 Nov 10 Dec 60-day permitted period Employer's contribution deadline Contribution Period From To Contribution Deadline Relevant Income (HKD) 2 nd Sept th Sept th Nov ,100 1 st Oct st Oct th Nov ,100 1 st Nov th Nov th Dec ,100 Employer's Mandatory Contribution (HKD) 355 (7,100 x 5%) 355 (7,100 x 5%) 355 (7,100 x 5%) Employee's Mandatory Contribution (HKD) Not required* Not required # 355 (7,100 x 5%) * Employees are not required to make contributions for the first 30 days of employment. # Employees are not required to make contributions for the first incomplete payroll cycle. 5
7 Contribution Procedures: 1. Employers will deduct mandatory contributions and voluntary contributions (if any) from the employee's relevant income. 2. Employers are required to remit the contributions for the previous month on or before the contribution day (i.e. the 10 th day of a month). 3. The Bank will subscribe to constituent funds according to employee's instructions. According to MPF legislation, the employer has to issue a monthly pay record to each employee within 7 working days after making the mandatory contributions. It should include the amount of relevant income, amount of contributions, and the date on which said contributions were made. (4) Voluntary Contributions Besides mandatory contributions, you may also make voluntary contributions, and the employer (if applicable) may decide to make voluntary contributions for the employee. Voluntary contributions are not subject to the preservation, portability, and vesting provisions of the MPF legislation. Voluntary contributions via your employer: Like your mandatory contributions, voluntary contributions made by yourself via payroll are fully and immediately vested while voluntary contributions made by your employer are subject to the vesting scale set out in the provisions of the related participating agreement (e.g. the percentage of vesting is based on the employee's years of service upon termination of employment). Withdrawal of your MPF account balance and its investment return (profit or loss) derived from voluntary contributions is bound by the provisions stipulated in the trust deed. Under normal circumstances, the related account balance can only be withdrawn once your employment with the company has ended. You can elect to make voluntary contributions via your employer by returning the "Employer - Supplement of Employer Voluntary Contribution (Relevant Employee)" form completed by the employer. (5) Special Voluntary Contribution Account Special Voluntary Contribution Account allows you to work towards your financial goals and retirement plans by choosing to make a monthly regular contribution or a lump sum contribution. You can make contributions without going through your employer, either paying by cheque at any BEA branch, making direct debit payments from your BEA bank account, or making payment through Cyberbanking. Invest as little as HK$100 per month or make a lump sum contribution (minimum HK$500) at any time. Fund allocation and switching are available at any time. You can also redeem some or all fund units in your portfolio, increase or reduce your sum of money for investment, without any handling charges. 6
8 You can elect to make special voluntary contributions by completing the "Member - Participation Agreement (Special Voluntary Contribution Account "SVC")" and "Member - Application/Cancel Direct Debit Authorisation For Contributions" forms and submitting them to any BEA branch or BEA MPF Administration Centre. (6) Change of Investment Mandate or Fund Switching Change of Investment Mandate Change of Investment Mandate allows you to change your investment allocation for all future contributions and transfer-in assets from other MPF service providers. The investment allocation for your existing accrued benefits will remain unchanged. Fund Switching Fund switching allows you to redeem specific funds and allocate the proceeds of these redeemed assets to other funds. It allows you to change the investment allocation for your existing accrued benefits. The investment choice for future contributions and transfer-in assets from other MPF services providers will remain unchanged. If you wish to change your future contributions, transfer-in assets, and existing investment portfolio, you should fill in both the "change of mandate to invest contribution" and "fund switching instruction" simultaneously. We will post "Confirmation of Change of Investment Mandate" and/or "Fund Switching Statement" to you when your instructions have been successfully processed. You can change your investment mandate or switch your funds using the following methods. 1. Complete the "Member - Change of Mandate to Invest Contribution/Fund Switching Instruction" form and submit it to any BEA branch or BEA MPF Administration Centre. 2. Change online using the Cyberbanking internet service 3. Mobile Application Log in to Cyberbanking - Mobile Banking using the BEA mobile application, available for iphone and Android. Note: Your fund switching instruction may be postponed, or may be impossible to fully execute, if: (i) the instruction involves the BEA (MPF) Long Term Guaranteed Fund; (ii) your MPF account is in the process of receiving fund units from a contribution, transfer-in assets from another MPF account, or a fund unit transfer from another MPF account held under BEA; (iii) multiple fund switching instructions are given within the same business day; or (iv) a previous fund switching instruction has not yet been completed. 7
9 (7) Transfer of Accrued Benefits (1) Employee Choice Arrangement The Employee Choice Arrangement ("ECA") came into effect on 1 st November, 2012, giving employees greater autonomy of choice. The transfer arrangements for accrued benefits in three main sub-accounts in MPF contribution accounts during your current employment will be different. Accrued benefits in contribution account during current employment Employer mandatory contributions Employee mandatory contributions Mandatory contributions from former employment or selfemployment Transferability Not transferable Transferable in a lump-sum once every calendar year* Transferable in a lump-sum at any time Type of MPF account that accrued benefits can be transferred to Not transferable Personal Account Personal Account or other contribution account * Every calendar year means the period from 1 st January to 31 st December in any given year. If you wish to transfer the transferable accrued benefits from a contribution account during current employment to BEA MPF, please complete the "Member - Participation Agreement (Personal Account)" form and "Employee Choice Arrangement ("ECA") - Transfer Election Form (Form MPF(S) - P(P))" and submit them to any BEA branch or BEA MPF Administration Centre. 8
10 (2) If your employment is terminated, you have the following options with your accrued benefits: Option A Retain in a Personal Account of the BEA (MPF) Scheme # Option B Transfer to the MPF Scheme of your new employer Option C Transfer to another MPF Scheme of your choice Complete the "Member - Election Form for Accrued Benefits (Form MPF(S) - P(M)) Submit to any BEA branch or BEA MPF Administration Centre Submit to your new employer They will send this form to their Trustee to notify us Submit to your selected Trustee They will notify us to effect the transfer # If no action is taken by you within three months after we are notified of the termination of your employment, the accrued benefits will be automatically transferred to a personal account under the BEA (MPF) Scheme. If you wish to stay with us and retain your accrued benefits in a BEA MPF Personal Account, please complete the "Member - Election Form for Accrued Benefits (Form MPF(S) - P(M))" and submit it to any BEA branch or BEA MPF Administration Centre. 9
11 (8) Withdrawal of Accrued Benefits In general, you can claim for payment of the accrued benefits at the retirement age of 65. The following table shows the different circumstances. Claim Reason Eligibility Retirement Having reached the age of 65. Early Retirement Total Incapacity Death Permanent Departure from Hong Kong Small Balance Account Terminal illness Having reached the age of 60 and have permanently ceased employment/selfemployment. Permanently unfit to perform the kind of work that you were last performing before becoming incapacitated. Your personal representative(s) can claim the payment of the MPF contributions and investment returns. Departing from Hong Kong permanently (this can only be used as grounds for withdrawal once in your lifetime). Fulfilling all the criteria below: The account balance in your account is not more than HK$5,000; As at the date of the claim, at least 12 months have elapsed since the contribution day in respect of the latest contribution period for which a mandatory contribution is required to be made to any registered scheme by or in respect of the employee under the Mandatory Provident Fund Schemes Ordinance; No MPF assets are kept in any other scheme; and You have no intention to become employed or self-employed in the foreseeable future. An employee who has an illness that is likely to reduce the life expectancy of the employee to 12 months or less as certified by a registered medical practitioner or a registered Chinese medical practitioner. Complete the "Claim Form for Accrued Benefits" form and submit it with all relevant documents to any BEA branch or BEA MPF Administration Centre. 10
12 (9) Change of Personal Information To change the personal information, for example: Residential address Telephone number Fax number English name Chinese name Specimen signature address Please complete the "Member - Change of Details" form and submit it with all relevant documents by mail to the MPF Administration Centre or in person at any BEA branch. To ensure that you receive your Annual Benefit Statement, please inform us as soon as possible of any change in your personal information. 11
13 (10) Member Communication (1) Publications and Statements We issue a range of publications to provide you with information and updates on fund performance and the MPF market, including Monthly Investment Summary Report, Fund Fact Sheet, and the Plan for Tomorrow newsletter. Get hold of a copy via our website, by logging in to Cyberbanking, or from MPF Administration Centre or any BEA branch. We will send you an Annual Benefit Statement before 30 th June of every year, within 3 months from the end of the financial year (from 1 st April to 31 st March of the following year). (2) Free Seminars Enrolment Seminar for Employees Introduce scheme details and related product features. Investment Seminar Review of recent financial market developments and related investment knowledge, and a look at the outlook for the market and MPF strategy. (3) e-service Periodic s/sms messages will be sent to members on a variety of MPF-related issues, including MPF publications, promotional materials and offers, MPF news, etc. (11) Copying Service If you wish to request a copy of any document, please complete the Member - Copying Services Request Form and submit it to any BEA branch or BEA MPF Administration Centre. (Please refer to the form for charges.) (12) Personal Account When you change your job, you can open a personal account under the BEA (MPF) Scheme in your own name and transfer in your accrued benefits from your previous MPF scheme. Please complete the "Member - Participation Agreement (Personal Account)" form and submit it to any BEA branch or BEA MPF Administration Centre. 12
14 (13) Account Management/Enquiry Channels You can manage your MPF account and make enquiries free of charge using any of the following channels: 1. BEA (MPF) Hotline Cyberbanking Phone Service BEA Customer Service Hotline Cyberbanking Internet Service (log in to Cyberbanking) 5.BEA MPF Website 6.Automatic Teller Machine ("ATM") Network 1 7.BEA Mobile Application (iphone and Android) (Insurance & MPF Services MPF Services) An extensive network of JETCO ATMs providing MPF Services spreading throughout the territories Go to the App Store or Google Play and search for "BEA", to download the application 8.BEA MPF Administration Centre 32/F, BEA Tower, Millennium City 5, 418 Kwun Tong Road, Kowloon, Hong Kong Facsimile: BEAMPF@hkbea.com 9.BEA Branch Network An extensive network covering Hong Kong Island, Kowloon, the New Territories, and the Outlying Islands Note: 1 ATM users should hold a BEA savings or current account and a BEA ATM card or BEA Credit Card. Please use JETCO ATMs that display the "MPF" label. 13
15 Services available for each channel: Service Channel BEA (MPF) Hotline Cyberbanking Phone Service BEA Customer Service Hotline Cyberbanking Internet Service BEA MPF Website ATM Network 1 BEA Mobile Application BEA MPF Administration Centre BEA Branch Network Check Account Balance Check Contribution Record Change of Investment Choice last 3 records last 36 records last 2 records last 36 records 2 2 Fund Switching 2 2 Fund Price Enquiry Make Contribution Payment 3 Obtain Forms Obtain Product/ Fund Information 1 ATM users should hold a BEA savings or current account and a BEA ATM card or BEA Credit Card. Please use JETCO ATMs that display the "MPF" label. 2 Customers may change their investment choice and/or switch funds by filling in the appropriate form. 3 Only applicable to self-employed person and Special Voluntary Contribution Account. 14
16 (14) Useful References 1. Mandatory Provident Fund Schemes Authority (MPFA) Address : Level 36, Tower 1, Metroplaza, 223 Hing Fong Road, Kwai Fong, New Territories, Hong Kong Hotline : address : mpfa@mpfa.org.hk Homepage : 2. Labour Department Information on various topics of labour legislation and services of the Labour Department is available at the District Offices of Labour Relations Division. Hotline : address : enquiry@labour.gov.hk Homepage : 3. Inland Revenue Department Address : 1/F, Revenue Tower, 5 Gloucester Road, Wanchai, Hong Kong Hotline : address : taxinfo@ird.gov.hk Homepage : 4. Probate Registry Address : LG3, High Court Building, 38 Queensway, Hong Kong Hotline : address : probate@judiciary.gov.hk Homepage : MPF Administration Centre Address : 32/F, BEA Tower, Millennium City 5, 418 Kwun Tong Road, Kowloon, Hong Kong Facsimile : BEAMPF@hkbea.com Sponsor : The Bank of East Asia, Limited 東 亞 銀 行 有 限 公 司 Issuer : Bank of East Asia (Trustees) Limited 東 亞 銀 行 ( 信 託 ) 有 限 公 司 15
17 (15) Risk Tolerance Self-Assessment Please select the most appropriate answer to each question. The sum of scores (indicated by the numbers in red) will indicate your investment attitude. Personal Details 1. Age and Marital Status Age Single Only I am working Married Both my spouse and I are working 25 or below Number of dependents (including spouse, parents, brothers and sisters, children) Age Number of dependents or above 25 or below Education and Professional Background Education level Professional qualifications No Yes Master or above Bachelor 8 10 Secondary School or Matriculation 5 7 Primary School or below Accommodation a. Lease 7 b. Self-owned % of mortgage payment in monthly income Remaining years of outstanding mortgage Below years Above 20 25% or below % % Above 60% Financial Condition 5. Assets owned (including cash, deposits, stocks, properties and other investments) a. HK$500,000 or below 3 b. HK$500,001 - HK$1,000,000 7 c. HK$1,000,001 - HK$2,500, d. HK$2,500,001 - HK$5,000, e. Above HK$5,000, Monthly Income and Expenses Monthly average fixed income Monthly fixed expenses as a percentage of income below 41% 41-60% 61-80% % Above 100% HK$25,000 or below HK$25,001 - HK$50, HK$50,001 - HK$75, HK$75,001 - HK$100, Above HK$100, Investment Needs and Knowledge 7. Your expected living standard after retirement a. Far better than present standard 8 b. Better than present standard 6 c. Comparable to present standard 4 d. Can accept standard worse than present 2 8. Which of the following items you would choose if you had HK$1 million available for investment? a. Bank fixed deposit 0 b. 80% chance of a return of HK$1.1 million and 3 20% chance of a return of HK$0.9 million c. 50% chance of a return of HK$1.2 million and 6 50% chance of a return of HK$0.8 million d. 50% chance of a return of HK$1.5 million and 8 50% chance of a return of HK$0.5 million e. 50% chance of a return of HK$2.0 million and 10 50% chance of losing the principle 9. If you had HK$1 million available for investment and your aim was to double it, how long could you wait to achieve this aim? a. Within 1 year 0 b. 1-3 years 3 c. 4-6 years 5 d years 7 e. Above 10 years Which of the following financial instruments did you invest in? (You may choose more than 1 item in this question. If you do so, you should add up the scores of all the items that you choose) a. Money market investments 2 (e.g. commercial papers, exchange fund bills) b. Stocks 2 c. Bonds 3 d. Foreign exchange margin trading and derivatives 3 (e.g. warrants, futures, options) e. Unit trust funds 3 Analysis of Result Total Score Risk Ability Investment Attitude 35 or below Weak Conservative Modest Neutral Strong Aggressive Above 65 Extremely Strong Very Aggressive N.B.: This risk tolerance self-assessment is for reference only. The questions listed in this risk tolerance self-assessment and the result analysis are designed to help you understand your risk tolerance level and investment attitude and are by no means exhaustive. If you are in doubt, you should seek financial and/or professional advice. 16
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