从12月21日开始，香港雇员将在强制性公积金（强积金）的管理上拥有更好的自主权。
Hong Kong employees will have better control over the management of their compulsory retirement savings under the Mandatory Provident Fund (MPF) starting from December 21.
这一全新的“全数自由转移”机制出台前，管理局在2024年迎来了另一项重大变革，即推出“积金易”平台。这是一个集中化的电子平台，旨在实现强积金计划行政流程的标准化、简化和自动化，标志着强积金数字时代的开启。
The new “full portability” mechanism comes after another major change in 2024, when the authority launched the eMPF platform, a centralised electronic platform to standardise, streamline and automate the administrative processes of the MPF scheme, marking the start of the MPF digital era.
《南华早报》梳理了最新变化的细节以及这些变化将如何影响雇员。
The South China Morning Post looks at the details of the latest changes and how they will affect employees.
强积金制度于2000年12月建立，是香港退休保障体系的重要组成部分，让居民能够为退休积蓄资金。
The MPF System, set up in December 2000, is an important part of the city’s retirement protection framework, enabling residents to save up for retirement.
根据该计划，雇员和雇主均须按雇员有关收入的5%作出强制性供款，存入雇员的强积金账户，并受有关最低和最高收入水平的限制。
Under the scheme, employees and employers are both required to make mandatory contributions of 5 per cent of the employee’s relevant income into the employee’s MPF account, subject to the relevant minimum and maximum income levels.
雇主必须使用自己的资金为每名雇员作出强制性供款。他们还必须从雇员的收入中扣除雇员的供款。
Employers must make mandatory contributions to each employee from their own funds. They must also deduct the employee’s contributions from his or her income.
对于按月支薪的雇员，目前的有关最低和最高收入水平分别为7100港元（合905美元）和3万港元。
For monthly paid employees, the current minimum and maximum relevant income levels are HK$7,100 (US$905) and HK$30,000 respectively.
从12月21日开始，雇员将被允许在每个日历年内将其全部强积金储蓄转移至不同的服务提供商一次。
Starting from December 21, employees will be allowed to move their entire MPF savings to a different provider once every calendar year.
这项被称为“全数自由转移”的安排，将允许符合条件的会员把雇主和雇员的供款转移至其心仪的强积金计划。
The arrangement, known as “full portability”, will allow eligible users to transfer both employer and employee contributions to their preferred MPF scheme.
目前的制度遵循“半自由转移”安排，这意味着只有雇员的份额可以转移。
The current system follows a “semi-portability” arrangement, meaning only the employee’s portion can be moved.
这项新安排将分两个阶段实施。第一阶段从12月21日开始，将涵盖在2025年5月1日或之后加入劳动力市场或转换工作的雇员。
The new arrangement will be carried out in two phases. The first phase, starting from December 21, will cover employees who joined the workforce or changed jobs on or after May 1, 2025.
第二阶段的实施日期尚待确定，将涵盖在2025年5月1日之前开始目前受雇的人员。
The second phase, with the implementation date to be confirmed, will cover those who started their current employment before May 1, 2025.
由于雇主的强积金供款仍可用于抵消2025年5月1日之前期间的长俸或遣散费，因此需要进行法律修订，才能为所有雇员实施“全数自由转移”。
As employers’ MPF contributions can still be used to offset payments for long service or severance for the period before May 1, 2025, a legal amendment will be needed to enable “full portability” to be implemented for all employees.
政府预计将在2027年中期提交关于该安排第二阶段的法律修订草案。
The government is expected to submit the legal amendment on the second phase of the arrangement in mid-2027.
强制性公积金计划管理局主席刘麦嘉轩表示，新安排将让居民更好地掌控自己的强积金，鼓励他们更积极地管理退休储蓄。
According to Mandatory Provident Fund Schemes Authority chairwoman Ayesha Macpherson Lau, the new arrangement will give residents better control over their MPF, encouraging them to manage their retirement savings more actively.
*代表劳工界的立法会议员周小松周一表示，员工将有自由将资金存放在他们心仪的服务提供商处。
Lawmaker Chau Siu-chung, who represents the labour constituency, said on Monday that staff would have the freedom to place their money with their preferred provider.
“他们可以将强积金储蓄转移至他们认为行政费较低、服务更好或回报更高的受托人，”他说。
“They can transfer their MPF savings to a trustee whom they deem to have lower administration fees, better service or higher returns,” he said.
他补充说，如果为这些服务引入更多竞争，个别受托人可能会降低其行政费用。
He added that individual trustees could lower their administrative fees if more competition was introduced for those services.
随着集中化数字系统“积金易”的推出，雇员可以通过该平台提交转移指示。
With the launch of eMPF, a centralised and digital system, employees can submit their transfer instructions via the platform.
源自雇员和雇主强制性供款的强积金可以转移至同一计划，或两个不同的计划。
MPF derived from employees’ and employers’ mandatory contributions can be transferred to the same scheme, or to two different ones.
希望在今年转移强积金的符合条件雇员可在12月21日至31日期间进行转移。
Eligible employees who wish to transfer their MPF this year can make the transfer from December 21 to 31.
周小松表示，预计数字平台将简化转移流程。此前，雇员必须亲自前往服务提供商的办事处处理该程序。
Chau said the digital platform is expected to simplify the transfer process. Previously, employees had to visit the offices of service providers in person to handle the procedure.
自2024年6月“积金易”推出以来，已有超过230万名计划成员注册使用该数字平台。
Since the launch of eMPF in June 2024, more than 2.3 million members have already registered to use the digital platform.
在去年5月1日或之后加入劳动力市场或转换工作的约100万名雇员，将在12月21日新安排启动时符合第一阶段的资格。
About one million employees who joined the workforce or changed jobs on or after May 1 last year will be eligible for the first phase of the new arrangement when it starts on December 21.
根据政府去年发布的一份文件，当第二阶段启动时，总共约有260万名雇员可能符合资格。
When the second phase is launched, a total of around 2.6 million employees could become eligible, according to a government document released last year.
管理局表示，雇主不会受到影响。他们无需参与强积金转移流程，计划下的行政安排将保持不变。
The authority says employers will not be affected. They do not need to be involved in the process of transferring MPF, and administrative arrangements under the scheme will remain unchanged.
刘麦嘉轩提醒成员避免“为了转换而转换”，不要过于频繁地转移资金，因为强积金是一项长期投资。
Lau reminded members to avoid “switching for the sake of switching” and refrain from transferring funds too frequently, as the MPF was a long-term investment.
她表示，在利用全数自由转移之前，计划成员应权衡各种因素，仔细比较不同强积金计划的基金选择、表现和费用水平，并根据自己的人生阶段、投资目标和风险承受能力做出审慎的决定。
Before taking advantage of full portability, scheme members should weigh various factors, carefully compare fund choices, performance and fee levels of different MPF schemes, and make prudent decisions based on their stage in life, investment goals and risk tolerance, she said.