Guaranteed Fund
MASSGuaranteed FundActiveYF Life
MASS Mandatory Provident Fund Scheme · MPFA data as of 31 Jul 2026
5Y annualized
-1.45%
1Y return
4.66%
FER
2.879%
Fund Expense Ratio p.a.
Management fee
2.879%
Fund size
298.08
HKD millions
Launch date
20-01-2006
Fund age
20.5 yrs
Risk indicator
6.28%
Annualized SD
Standard period returns (31 Jul 2026)
1 year
4.66%
5 years p.a.
-1.45%
10 years p.a.
0.39%
Since launch p.a.
0.58%
Calendar year returns
| 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| -3.37% | -16.22% | 2.35% | 0.20% | 9.42% |
Best and worst calendar year 2021–25: 9.42% / -16.22%
Risk classification
1
2
3
4
5
6
7
MPFA classifies this fund as risk class 4 of 7 — Medium volatility.
Comparable funds (Guaranteed Fund)
- BCOM Guaranteed (CF) FundBCOM5Y 2.04% · FER 1.468%
- Guaranteed PortfolioAIA5Y 0.82% · FER 1.541%
- Manulife MPF Interest FundManulife5Y 0.72% · FER 1.767%
- China Life Joyful Retirement Guaranteed FundChina Life5Y 0.52% · FER 1.923%
- Manulife MPF Stable FundManulife5Y 0.05% · FER 1.773%
- Guaranteed FundHang Seng5Y -0.19% · FER 2.052%
- Guaranteed FundHSBC5Y -0.19% · FER 2.052%
- Manulife Career Average Guaranteed Fund - SHKPSHKP5Y -0.67% · FER 2.267%
Educational information only — not financial advice. Figures are sourced from the Mandatory Provident Fund Schemes Authority (MPFA) monthly fund data (31 Jul 2026). MPFA fund platform