A risk class is to be assigned to each constituent fund according to the seven-point risk classification below based on the latest risk indicator of the constituent fund. The Risk Indicator shows the annualized standard deviation based on the monthly rates of return of the fund over the past 3 years, and correct to 2 decimal places. The risk class to each constituent fund is subject to regular review and is provided by Manulife (International) Limited for reference only. 
Generally, the greater the annualized standard deviation, the more volatile/risky the constituent fund. The Risk Indicator for the constituent fund will be available 3 years after its launch date.
The risk class is prescribed by the Mandatory Provident Fund Schemes Authority (“MPFA”) according to the Code on Disclosure for MPF Investment Funds and the risk class has not been reviewed or endorsed by the Securities and Futures Commission (“SFC”).
Before making your investment choices, you should read the MPF Scheme Brochure and Key Scheme Information Document (KSID) for details including risk factors, fees and charges of the scheme. You should not make your investment decision based on this material alone. You should seek financial and/or professional advice and make investment choices most suitable for you taking into account your circumstances.