BCT MPF - Smart Plan: Constituent Fund Performance & Fees (data as of 2026-09-30)
BCT MPF - Smart Plan (trustee: Bank Consortium Trust Company Limited) had 14 constituent fund classes as of 2026-09-30, a median FER of 1.37%, and a median 5-year annualised return of +2.08% among funds with a 5-year record. Past performance is not indicative of future results.
All constituent funds
| Fund | Category | 1y ann.* | 5y ann.* | 10y ann.* | FER* | Months† | Max drawdown† |
|---|---|---|---|---|---|---|---|
| Principal Dynamic Global Equity Fund | Global equity | +18.74% | +9.21% | +9.83% | 1.54% | 75 | -26.63% |
| Principal Dynamic Asia Pacific Equity Fund | Asia equity | +30.45% | +8.43% | +8.37% | 1.60% | 75 | -35.11% |
| Principal Growth Fund | Mixed assets (81–100% equity) | +15.25% | +6.28% | +7.24% | 1.50% | 75 | -31.69% |
| Principal Core Accumulation Fund | Core Accumulation Fund (DIS) | +10.36% | +6.11% | n/a | 0.78% | 75 | -20.57% |
| Principal Balanced Fund | Mixed assets (61–80% equity) | +11.89% | +4.48% | +5.60% | 1.49% | 75 | -28.88% |
| Principal - Hang Seng Index Tracking Fund | HK index tracking | -6.40% | +2.41% | +2.84% | 0.99% | 75 | -46.90% |
| Principal - MPF Conservative Fund | MPF Conservative Fund | +1.85% | +2.10% | +1.26% | 0.95% | 75 | 0.00% |
| Principal Cash Fund | Other money market | +1.21% | +2.05% | +1.36% | 0.97% | 75 | -1.90% |
| Principal Dynamic Greater China Equity Fund | Greater China equity | +22.04% | +1.94% | +8.36% | 1.39% | 75 | -54.09% |
| Principal Age 65 Plus Fund | Age 65 Plus Fund (DIS) | +2.93% | +1.13% | n/a | 0.79% | 75 | -16.27% |
| Principal Stable Fund | Mixed assets (21–40% equity) | +5.38% | +0.87% | +2.19% | 1.47% | 75 | -22.47% |
| Principal Dynamic Asian Bond Fund | Asia bond | -2.75% | -0.68% | +0.26% | 1.30% | 75 | -17.20% |
| Principal Dynamic Hong Kong Equity Fund | Hong Kong equity | -8.21% | -1.98% | +1.49% | 1.50% | 75 | -53.45% |
| Principal Dynamic Global Bond Fund | Global bond | -3.48% | -3.55% | -1.07% | 1.35% | 75 | -25.40% |
* 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.
Default Investment Strategy (DIS) funds
| Fund | Category | 1y ann.* | 5y ann.* | FER* | Months† | Max drawdown† |
|---|---|---|---|---|---|---|
| Principal Age 65 Plus Fund | Age 65 Plus Fund (DIS) | +2.93% | +1.13% | 0.79% | 75 | -16.27% |
| Principal Core Accumulation Fund | Core Accumulation Fund (DIS) | +10.36% | +6.11% | 0.78% | 75 | -20.57% |
* 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.
DIS performance across all schemes
Other MPF schemes
Manulife Global Select (MPF) Scheme · HSBC Mandatory Provident Fund - SuperTrust Plus · Sun Life Rainbow MPF Scheme · AIA MPF - Prime Value Choice · BOC-Prudential Easy-Choice Mandatory Provident Fund Scheme · Hang Seng Mandatory Provident Fund - SuperTrust Plus · BCT (MPF) Pro Choice · Fidelity Retirement Master Trust · BCT MPF Scheme Series 800 · BCT Strategic MPF Scheme · BEA (MPF) Industry Scheme · BEA (MPF) Master Trust Scheme · Manulife RetireChoice (MPF) Scheme · BCOM Joyful Retirement MPF Scheme · SHKP MPF Employer Sponsored Scheme · BCT (MPF) Industry Choice · MASS Mandatory Provident Fund Scheme · China Life MPF Master Trust Scheme · My Choice Mandatory Provident Fund Scheme · BCT MPF - Simple Plan · Haitong MPF Retirement Fund · AMTD MPF Scheme · BEA (MPF) Value Scheme
The scheme name is used for identification only; this site is not affiliated with the trustee.
FAQ
How many constituent funds does BCT MPF - Smart Plan have?
As of 2026-09-30, MPFA lists 14 constituent fund classes across 14 of our categories, total assets about HK$22.7bn.
What are BCT MPF - Smart Plan's fees?
FERs range from 0.78% to 1.60%, median 1.37%.
Is BCT MPF - Smart Plan on the eMPF Platform?
Yes — onboarded on 2025-05-07 per eMPF information.