MPF Authority Chairwoman Ayesha Macpherson Lau urges Mandatory Provident Fund scheme members to focus on the investment value of funds, balancing between charges and returns. In her blog, Lau emphasises that considering only low fees or past returns is incomplete. She suggests that funds with higher charges might be worthwhile if they yield better returns. Lau advises investors to align fund choices with their investment goals, life stage, and risk tolerance. She also highlights the Default Investment Strategy (DIS), which offers diversified investment risks and an “automatic de-risking” feature, adjusting equity to bond ratios in line with members’ life stages. The fee for DIS funds is capped, with a future reduction planned post-digital MPF platform launch.