*Include the highest "GOLD Rating" and "Best Tax Deductible Voluntary Contribution (TVC) Provider" from MPF Ratings. Investment involves risk and past performance is not indicative of future performance. The assessment period of the above awards is from 1 January 2021 to 31 December 2021. The awards are for reference only and are not and should not be taken as financial or investment advice, offer or solicitation to subscribe for any investment products (including MPF scheme). The ratings and awards are given on the basis of MPF Ratings Limited’s assessment criteria (https://mpfratings.com.hk/ratings-methodology/ and https://mpfratings.com.hk/awards-methodology/). 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 (AUM), ease of use of online platforms, tax deductible voluntary contribution payment methods and ease of use, and promotion of environmentally friendly measures, etc. The awards do not represent/reflect the actual or future performance of the relevant MPF scheme. 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 have any question on the content of the above information, please seek independent advice from professionals. The above information has not been reviewed by the SFC.