Age 65 Plus Fund: Performance & Fees (data as of 2026-09-30)
Age 65 Plus Fund (HSBC Mandatory Provident Fund - SuperTrust Plus) had an MPFA-published 5-year annualised return of +0.66% and an FER of 0.78%; its month-end max drawdown over 2020-07 – 2026-09 was -15.16%. It ranked 14 of 28 Age 65 Plus Fund (DIS) funds with a 5-year record by 5-year return. Past performance is not indicative of future results.
Data as of 2026-09-30MPFA Fund Platform pageLast updated 2026-10-21
* MPFA-published. † Calculated by us from 75 month-end prices, 2020-07-31 to 2026-09-30.
Returns vs category median
| Period | Age 65 Plus Fund | Category median (n=28) |
|---|---|---|
| 1y | +1.63% | +1.82% |
| 5y p.a. | +0.66% | +0.66% |
| 10y p.a. | +2.32% | +2.32% |
| 2025 | +6.28% | +7.06% |
| 2024 | +2.56% | +3.44% |
| 2023 | +7.15% | +7.54% |
| 2022 | -13.21% | -14.82% |
| 2021 | +1.39% | +0.93% |
| Max drawdown† | -15.16% | -16.61% |
| FER | 0.78% | 0.79% |
Growth of HK$10,000 (2020-07-31 to 2026-09-30)
Unit prices are net of fund charges; assumes a one-off HK$10,000 with no further contributions. Historical illustration only, not a projection.
| Date | HK$ |
|---|---|
| 2020-07-31 | 10,000 |
| 2020-12-31 | 10,388 |
| 2021-12-31 | 10,532 |
| 2024-12-31 | 10,046 |
| 2025-12-31 | 10,677 |
| 2026-09-30 | 10,750 |
Largest drawdown
From a month-end peak on 2021-08-31 to a trough on 2022-09-30: -15.16%; regained the prior peak by 2025-10-31. A 50% fall needs a 100% gain to recover.
Category peers (by 5-year return)
| Fund | Scheme | 5y ann.* | FER* | Months† | Max drawdown† |
|---|---|---|---|---|---|
| Haitong Age 65 Plus Fund - Class A | Haitong MPF Retirement Fund | +3.08% | 0.93% | 75 | -17.16% |
| Haitong Age 65 Plus Fund - Class T | Haitong MPF Retirement Fund | +3.08% | 0.93% | 75 | -17.16% |
| Principal Age 65 Plus Fund | BCT MPF - Smart Plan | +1.13% | 0.79% | 75 | -16.27% |
| Principal Age 65 Plus Fund - Class N | BCT MPF Scheme Series 800 | +1.12% | 0.79% | 75 | -16.35% |
| Principal Age 65 Plus Fund | BCT MPF - Simple Plan | +1.01% | 0.83% | 75 | -16.38% |
* Published by the MPFA (data as of 2026-09-30). † Calculated by this site from month-end unit prices, 2020-07 to 2026-09; "Months" = number of month-end prices available — figures from short histories are less reliable. n/a = not available. Click a column header to sort.
About the fund
- Scheme: HSBC Mandatory Provident Fund - SuperTrust Plus
- Trustee: HSBC Provident Fund Trustee (Hong Kong) Limited
- MPFA fund type: Mixed Assets Fund [Global] - Maximum equity around 25%
- Launch date: 2009-10-08
- Management fee (as disclosed): 0.67% p.a.
The trustee's offering document (MPF scheme brochure) is the authoritative source for objectives and fees.
Download month-end prices (CSV) · Methodology · All Age 65 Plus Fund (DIS) funds · eMPF switching guide
Cite as: MPF Watch (mpfwatch.com), MPFA data as of 2026-09-30.
FAQ
How is Age 65 Plus Fund's return calculated?
1/5/10-year figures are MPFA-published annualised returns (as of 2026-09-30), net of fund charges. We separately calculate +1.18% annualised from month-end unit prices 2020-07 – 2026-09.
What does Age 65 Plus Fund charge?
MPFA-published FER is 0.78%; the category median is 0.79%. Management fee is listed as "0.67% p.a.".
How risky has Age 65 Plus Fund been?
MPFA risk class 4 (1–7). Month-end max drawdown over 2020-07 – 2026-09 was -15.16% (2021-08-31 to 2022-09-30), annualised volatility 5.98%. Month-end data understates intra-month falls.
Is this fund capital-guaranteed?
No. It is in the "Age 65 Plus Fund (DIS)" category; prices can fall and capital can be lost.
How do fund switches work?
Switching is generally done through the eMPF Platform or the trustee; we do not give switching advice. See our eMPF switching guide.