As the circumstances of each member vary, please understand we are unable to give you definite investment advice. In general, you may consider the following 3 factors when building your portfolio:
• Firstly, you should take your age and how long you are away from retirement into consideration. Generally speaking, the younger and the farther away you are from retirement, the higher your risk tolerance level. Thus, those members may consider more aggressive funds since their investment objective is to achieve long-term capital appreciation and out-perform inflation.
• Secondly, you should consider your risk tolerance level. If your risk tolerance level is low or you are very anxious about the ups and downs of fund prices, a high-risk portfolio may not be suitable.
• Thirdly, you should consider your own MPF investment objectives. If members want to reap higher returns, they should tolerate a higher risk level for the expected high return. On the contrary, for members prefer less volatile fund performances, they may invest in low-risk funds.
If you would like to know the risk tolerance level, you could firstly complete the risk assessment questionnaire. Upon completing the questionnaire, “BCT iPortfolio” will show model portfolios suited to investors of different risk levels, to help you make informed investment decisions.