MPF Withdrawal at 60/65 & Re-employment Calculator

The Mandatory Provident Fund (MPF) is an important part of retirement savings for Hong Kong employees, but many people are unclear about when they can withdraw and whether working after withdrawal affects contributions. Under current rules, employees generally must reach age 65 to withdraw their full MPF balance. However, if specific conditions are met - for example, reaching age 60 and applying on the grounds of \"early retirement\" - a lump-sum withdrawal is also possible.

Withdrawing MPF on the grounds of \"early retirement\" has important restrictions: the applicant must be at least 60 and must make a statutory declaration to the trustee that he or she will not be employed or self-employed again between ages 60 and 64. Once withdrawn, if you work again, the new employer must still enrol you in an MPF scheme and make mandatory contributions. In contrast, after reaching 65, even if you continue working, the employer's mandatory contribution obligation has ended, but you may choose to contribute voluntarily.

HK FinBox 的 60/65 歲強積金提取計算機，讓你輸入現時年齡、強積金結餘、就業狀況及是否曾經提取，快速判斷是否符合提取資格，並顯示可提取金額及再就業時的供款提示。計算機純前端運算，無需提交個人資料。

Before withdrawing MPF, assess your post-retirement cash flow needs. Withdrawing the full balance at 60 may see the funds depleted faster due to inflation or investment losses. Some people choose to withdraw in instalments or roll over part of the money into investments. Also, if you previously withdrew on the grounds of \"permanent departure from Hong Kong\", this may affect a future application on the same basis, so confirm details with your MPF trustee.