Regulations specify risk reduction starting at age 50; industry supports maintaining it.

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May 26, 2026

Regulation to Reduce Risk Starting at Age 50 Supported by Industry

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Risk reduction with age is a core design of the default investment strategy (DIS), which gradually adjusts the stock-bond ratio each year, allowing MPF investments to automatically become more conservative as members age, reducing market volatility risks near retirement. Regarding whether starting risk reduction at age 50 as stipulated by the current DIS is too early, the industry believes this arrangement helps lower the risk of significant market fluctuations and can be maintained. The fee cap will be reduced to 0.85% DIS is specifically designed for those unfamiliar with investing or unable to manage their investments...

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