Fidelity Retirement Master Trust: Constituent Fund Performance & Fees (data as of 2026-09-30)
Fidelity Retirement Master Trust (trustee: HSBC Provident Fund Trustee (Hong Kong) Limited) had 23 constituent fund classes as of 2026-09-30, a median FER of 1.34%, and a median 5-year annualised return of +2.38% 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† |
|---|---|---|---|---|---|---|---|
| Asia Pacific Equity Fund | Asia equity | +40.75% | +8.98% | +8.81% | 1.52% | 75 | -34.44% |
| Global Equity Fund | Global equity | +15.57% | +7.69% | +9.25% | 1.44% | 75 | -27.83% |
| Core Accumulation Fund | Core Accumulation Fund (DIS) | +9.26% | +5.63% | n/a | 0.79% | 75 | -20.66% |
| Fidelity SaveEasy 2050 Fund | Mixed assets (other) | +9.55% | +4.04% | +6.48% | 1.34% | 75 | -34.83% |
| Fidelity SaveEasy 2040 Fund | Mixed assets (other) | +9.23% | +3.96% | +6.54% | 1.32% | 75 | -34.36% |
| Fidelity SaveEasy 2045 Fund | Mixed assets (other) | +9.44% | +3.94% | +6.42% | 1.38% | 75 | -34.64% |
| Fidelity SaveEasy 2035 Fund | Mixed assets (other) | +8.53% | +3.56% | +6.30% | 1.34% | 75 | -34.07% |
| Growth Fund | Mixed assets (81–100% equity) | +9.48% | +3.55% | +6.14% | 1.45% | 75 | -33.01% |
| Fidelity SaveEasy 2030 Fund | Mixed assets (other) | +7.36% | +2.98% | +5.95% | 1.22% | 75 | -33.23% |
| Fidelity Hong Kong Tracker Fund | HK index tracking | -6.25% | +2.70% | +3.06% | 0.74% | 75 | -46.95% |
| Balanced Fund | Mixed assets (61–80% equity) | +6.36% | +2.07% | +4.63% | 1.45% | 75 | -30.26% |
| MPF Conservative Fund | MPF Conservative Fund | +1.93% | +2.02% | +1.14% | 0.98% | 75 | 0.00% |
| RMB Bond Fund | RMB bond | +7.64% | +1.44% | +2.06% | 1.32% | 75 | -11.54% |
| Stable Growth Fund | Mixed assets (41–60% equity) | +3.77% | +0.52% | +3.09% | 1.45% | 75 | -27.54% |
| Hong Kong Bond Fund | HKD bond | -0.56% | +0.46% | +1.18% | 1.26% | 75 | -13.92% |
| Age 65 Plus Fund | Age 65 Plus Fund (DIS) | +1.30% | +0.15% | n/a | 0.81% | 75 | -16.71% |
| Fidelity SaveEasy 2025 Fund | Mixed assets (other) | +1.49% | -0.55% | +3.91% | 1.24% | 75 | -30.39% |
| Capital Stable Fund | Mixed assets (21–40% equity) | +1.09% | -0.88% | +1.54% | 1.47% | 75 | -23.95% |
| Hong Kong Equity Fund | Hong Kong equity | -10.89% | -1.76% | +2.45% | 1.49% | 75 | -53.51% |
| World Bond Fund | Global bond | -3.30% | -3.77% | -1.19% | 1.40% | 75 | -25.54% |
| Americas Equity Fund | US equity | +12.74% | n/a | n/a | 1.38% | 38 | -9.82% |
| European Equity Fund | Europe equity | +12.46% | n/a | n/a | 1.53% | 38 | -9.91% |
| RetireEasy Fund | Mixed assets (other) | +3.15% | n/a | n/a | 1.20% | 59 | -19.98% |
* 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† |
|---|---|---|---|---|---|---|
| Age 65 Plus Fund | Age 65 Plus Fund (DIS) | +1.30% | +0.15% | 0.81% | 75 | -16.71% |
| Core Accumulation Fund | Core Accumulation Fund (DIS) | +9.26% | +5.63% | 0.79% | 75 | -20.66% |
* 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 · BCT MPF Scheme Series 800 · BCT Strategic MPF Scheme · BCT MPF - Smart Plan · 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 Fidelity Retirement Master Trust have?
As of 2026-09-30, MPFA lists 23 constituent fund classes across 17 of our categories, total assets about HK$72.2bn.
What are Fidelity Retirement Master Trust's fees?
FERs range from 0.74% to 1.53%, median 1.34%.
Is Fidelity Retirement Master Trust on the eMPF Platform?
Yes — onboarded on 2025-12-30 per eMPF information.