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an employee member of an MPF Scheme a self-employed person of an MPF Scheme a personal account holder of an MPF Scheme a member of an MPF-exempted occupational retirement scheme (ORSO)

The withdrawal conditions are the same as those for mandatory contributions. You can withdraw the TVC benefits under the following conditions: Attaining the age of 65 / early retirement (attaining the age of 60 and ceased all employment/self-employment with no intention of becoming employed or self-employed again) Death Small balances Permanent departure from Hong Kong Total incapacity Terminal illness

TVC

Accelerate your retirement reserve and enjoy tax benefits

Overview
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Product Overview

MPF mandatory contributions alone may not be enough for a comfortable retirement. Why not consider joining the MPF Tax Deductible Voluntary Contribution Programme, so you can better prepare for your retirement while enjoying tax deductions of up to HK$60,000¹ each year?

Download product brochure & other information

Apply online

Programme Brochure

	Available for new application	Not available for new application
Ward Plan - USD	F00022-04-000-03	F00022-04-000-02
Ward Plan - HKD	F00022-01-000-03	F00022-01-000-02
Semi-Private Plan - USD	F00022-05-000-03	F00022-05-000-02
Semi-Private Plan - HKD	F00022-02-000-03	F00022-02-000-02
Standard Private Plan - USD	F00022-06-000-03	F00022-06-000-02
Standard Private Plan - HKD	F00022-03-000-03	F00022-03-000-02
Only available to "AIA Beyond Insurance" Promotion Campaign - Special Time-limited No Claim Discount Programme
Supplement – Special Time-limited No Claim Discount Endorsement (1 Special Claims Free Year)	-	Download
Supplement – Special Time-limited No Claim Discount Endorsement (2 Special Claims Free Years)	-	Download

Highlight Features

Free fund switching

Flexible fund switching options with unlimited free fund switching⁶

Tax benefit

Enjoy tax deductions of up to HK$60,000¹ each year

Range of funds to choose from

Choose from among our comprehensive range of MPF funds, which cover all of your fixed income, equity, lifestyle and dynamic asset allocation needs.

Comprehensive "low fee" fund choices⁴

We offer close to 10 "low fee" funds with management fees as low as 0.75%⁵. Management fees for other AIA MPF funds are up to 1.73%⁵.

an employee member of an MPF Scheme
a self-employed person of an MPF Scheme
a personal account holder of an MPF Scheme
a member of an MPF-exempted occupational retirement scheme (ORSO)

We offer several convenient payment methods for you to choose from.

Cheque^{^}
Cheque Deposit Machine (Applicable to BOCHK/HSBC cheque deposit machines)
Direct Debit (autopay)
PPS (Internet and a tone phone service)
Internet Banking
Bank Automated Teller Machines (ATMs)

^{^} Please send the cheque to the eMPF Platform.

Note: Make your payment with your "MPF Contribution Bill No." / "Submission Reference No." / eMPF "Member Account No." provided by the eMPF Platform. Failure to provide such information may result in delay or inability to process your contribution.

For details, please visit eMPF website.

The withdrawal conditions are the same as those for mandatory contributions. You can withdraw the TVC benefits under the following conditions:

Attaining the age of 65 / early retirement (attaining the age of 60 and ceased all employment/self-employment with no intention of becoming employed or self-employed again)
Death
Small balances
Permanent departure from Hong Kong
Total incapacity
Terminal illness

Note:

The above information is for reference only and is not and should not be taken as financial or investment advice, offer or solicitation to subscribe for any investment products (including MPF scheme). Investment involves risk, investment performance and returns may go down as well as up, and past performance is not indicative of future performance. Not all investment choices provided by AIA would be suitable for everyone. Before making any investment decision, you must carefully assess your own risk tolerance level and financial circumstances, and refer to the relevant MPF Scheme Brochure for details (including risk factors and charges). If you are in doubt about the above information, you should seek independent professional advice. The above information has not been reviewed by the SFC.

This tax deductible limit is an aggregate limit for both Tax Deductible Voluntary Contributions and Qualifying Annuity Premiums. Tax deductions do not equate to a direct deduction from total tax payable. As tax deduction amounts can vary according to different individuals' situations, for all MPF Tax Deductible Voluntary Contributions and Qualifying Annuity Premiums deductions, please refer to the Inland Revenue Department. AIA and its intermediaries do not provide tax or accounting advice and you should consult your own tax and accounting advisors for any tax or accounting advice.
The end date for the assessment period of the above awards is 31 December 2024 and the awards are for reference only. The ratings and awards are given on the basis of MPF Ratings' assessment criteria. Assessment criteria include, but are not limited to, investment performance, scheme governance, fund choice, administration and management, financial education, and use of applied technology, Assets Under Management, ease of use of online platforms, contribution payment methods and ease of use, and promotion of environmentally friendly measures, etc.
Please click here for MPF Ratings' assessment criteria.
Funds with a Fund Expense Ratio (FER) of ≦1.3% or management fees, plus guarantee charges if applicable, of ≦1%. Source: MPFA website, data as at 28 February 2023.
Per annum of net asset value.
Except for Guaranteed Portfolio which participants are permitted to raise only one switch request out of this fund to other fund(s) within the same scheme year.

TVC

Get In Touch!

Product Overview

Download product brochure & other information

Highlight Features

Eligibility

Payment methods

Benefits withdrawal