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Constituent Fund information

Repository of MPF Scheme Documents

Key Information of Constituent Fund
Basic Information
Name of MPF trustee	HSBC Provident Fund Trustee (Hong Kong) Limited
Name of MPF scheme	Fidelity Retirement Master Trust
Name of the constituent fund	Hong Kong Bond Fund
Fund Class	n.a.
Fund Type	Bond Fund - Hong Kong Dollar Bond Fund
Fund Type - Full Descriptor	Bond Fund - Hong Kong
Fund size (HKD Million)	1,287.46 (as at 31 July 2026)
Launch Date	8 Jul 2003
Financial Period End Date	31 Dec
Fund Performance & Risk

Annualized Return / Cumulative Return (1 Year) (as at 31 July 2026)	+0.76% p.a. / +0.76%
Annualized Return / Cumulative Return (5 Year) (as at 31 July 2026)	+0.54% p.a. / +2.74%
Annualized Return / Cumulative Return (10 Year) (as at 31 July 2026)	+1.35% p.a. / +14.36%
Annualized Return / Cumulative Return (Since Launch) (as at 31 July 2026)	+1.57% p.a. / +43.11%
Calendar year return: 2025	6.11
Calendar year return: 2024	3.29
Calendar year return: 2023	6.56
Calendar year return: 2022	-10.26
Calendar year return: 2021	-0.77
Risk Class	3
Fund Risk Indicator	3.63%
Fund Expense & Other Expenses

Latest FER	1.26068%
Management Fee	Up to 1.03% p.a.
Trustee Fee/ Custodian Fee	Up to 0.24% p.a.
eMPF Platform Fee	0.29% p.a.
Member Servicing Fee	0.2% p.a.
Investment Management Fee	0.4% p.a.
Guarantee Charge	0% p.a.
Joining Fee	N/A for Self-employed Member HKD250 per SVC Member N/A for TVC Member HKD50,000 per Participating Employer or HKD250 per Employee or both
Annual Fee	0%
Contribution Charge	0%
Bid Spread	0%
Offer Spread	0%
Withdrawal Charge	0%
Other Expenses	A range of other expenses may be chargeable to the fund. Please refer to the Fee Table of the fund for details.
On-going Cost Illustration (OCI) – 1 Year	HKD 13
On-going Cost Illustration (OCI) – 3 Year	HKD 41
On-going Cost Illustration (OCI) – 5 Year	HKD 71