Three programmes, each designed for a different level of MPF engagement
Whether you are starting from scratch or want to work through the full picture of your retirement position, there is a course written for where you are now.
Back to HomeOur teaching approach
Every Bauhinia Ledger course is built around one principle: that the person completing it should be able to make their own considered decisions about their MPF, without needing to rely on a product provider to interpret things for them.
This means we spend time on foundations — how the system actually works, what the terms mean, what the annual statement is actually saying — before moving into choices and planning. Moving too quickly past the basics is how most people end up confused.
We use worksheets rather than quizzes because MPF planning is practical, not theoretical. The exercises are about your own accounts, your own fund mix, your own situation. Generic scenarios help only so far.
Quality standards across all programmes
All content independently reviewed against current MPFA guidelines each year
Facilitation by qualified adult educators with MPF or pension administration backgrounds
No product recommendations at any point; no referral arrangements with fund houses
Seven-day refund window from enrolment date
MPF Foundations for Midlife
A four-week introduction to the Mandatory Provident Fund system written for learners in their 40s who may have accumulated balances across several employers. The pace is unhurried and explanatory throughout.
What the course covers
- Week 1: How MPF works — structure, employer contributions, and scheme types
- Week 2: Fund types — what they hold and how to compare them
- Week 3: Fees — their structure and how they compound over time
- Week 4: Reading your annual benefit statement clearly
Included with enrolment
- Account tracking worksheet for recording balances from previous employers
- Video library of recorded walk-throughs, available throughout course window
- Access to moderated Q&A forum with facilitator responses
Consolidation & Fund Selection Workshop
A six-week hands-on course for those ready to consolidate MPF accounts from previous employers and review their current fund mix. Practical and focused, with real worksheets rather than hypothetical examples.
What the course covers
- The Employee Choice Arrangement — how it works in practice
- Considerations when moving accounts between schemes
- Equity vs fixed-income allocations — common trade-offs
- Aligning fund choice with your time horizon
- Working through the consolidation process step by step
Included with enrolment
- Individual worksheets for each of the six weeks
- Two group reflection calls (scheduled to suit HK working hours)
- Private discussion space with facilitator support
Lifetime MPF Strategy Programme
A ten-week programme for professionals who want a full view of MPF across a working life — from current contributions through to eventual withdrawal. The most comprehensive offering we provide.
What the course covers
- Contribution optimisation alongside voluntary MPF top-ups
- How MPF interacts with personal savings and property holdings
- Scenarios for phased withdrawal over time
- Estate considerations around MPF balances
- Building a personal MPF position document across all ten weeks
Included with enrolment
- Structured plan document with facilitator feedback at each stage
- Summary review meeting at programme end
- Full access to all video materials and weekly worksheets
Compare the three courses
Not sure which level suits you? Use this table to find where you fit. The courses can also be taken in sequence over time.
| Feature | Foundations HKD 1,580 |
Consolidation HKD 2,480 |
Lifetime Strategy HKD 3,080 |
|---|---|---|---|
| Duration | 4 weeks | 6 weeks | 10 weeks |
| Account tracking worksheet | |||
| Video walk-throughs | |||
| Group reflection calls | — | 2 calls | Included |
| Employee Choice Arrangement module | — | ||
| Withdrawal planning module | — | — | |
| Personal plan document | — | — | |
| End-of-programme review meeting | — | — | |
| Best for | Starting from scratch; MPF unclear | Ready to consolidate; reviewing fund mix | Full lifetime MPF picture |
Enrolment fees
All fees quoted in Hong Kong Dollars. Each fee covers all materials, facilitation, and support included in that programme — no additional charges.
MPF Foundations
4-week introductory course
HKD 1,580
Per person, all-inclusive
- Account worksheet + video library
- Moderated Q&A forum
- Seven-day refund window
Consolidation Workshop
6-week workshop course
HKD 2,480
Per person, all-inclusive
- Weekly worksheets + video content
- Two group reflection calls
- Private discussion space
Lifetime Strategy
10-week comprehensive programme
HKD 3,080
Per person, all-inclusive
- Full materials + group calls
- Personal plan document + review
- End-of-programme meeting
Not sure where to begin?
Send us a short message about your situation and we will help you work out which course makes sense. We respond within one business day.
Send an Enquiry