Sun Life Rainbow MPF Scheme

Sun Life's Rainbow MPF scheme consistently ranks among HK's lowest-cost providers, with a Fund Expense Ratio (FER) on its index-tracking Constituent Funds as low as 0.87% — below the industry average of 1.46% for actively managed funds. The scheme offers 22 constituent funds including DIS (Default Investment Strategy) funds that automatically de-risk as the member approaches retirement age. Sun Life's online member portal allows real-time contribution tracking, fund switching in under 60 seconds, and voluntary contribution top-ups via mobile.