BCT (Bank Consortium Trust) MPF

BCT MPF, backed by a consortium of Hong Kong banks, is the preferred scheme for public sector and large corporate employers seeking a blue-chip trustee with rigorous governance. The scheme's Global Strategic Portfolio series, co-managed with BlackRock, returned 9.8% net of fees in 2025. FERs range from 1.10% to 1.56% — not the cheapest in class but justified by the active management quality. BCT's employer reporting portal is the most comprehensive available, with real-time headcount reconciliation and statutory filing automation.