{"id":716,"date":"2022-05-12T20:21:49","date_gmt":"2022-05-12T12:21:49","guid":{"rendered":"https:\/\/seniorclic.hk\/?p=716"},"modified":"2024-03-18T14:31:13","modified_gmt":"2024-03-18T06:31:13","slug":"changing-jobs-and-the-employee-choice-arrangement-eca","status":"publish","type":"post","link":"https:\/\/seniorclic.hk\/en\/topics\/work-retirement\/the-mandatory-provident-fund\/changing-jobs-and-the-employee-choice-arrangement-eca\/","title":{"rendered":"Changing jobs and the Employee Choice Arrangement (ECA)"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Post Breadcrumbs&#8221; module_class=&#8221;breadcrumbs&#8221; _builder_version=&#8221;4.17.3&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px||30px||false|false&#8221; saved_tabs=&#8221;all&#8221; locked=&#8221;on&#8221; collapsed=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.17.3&#8243; _module_preset=&#8221;default&#8221; 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admin_label=&#8221;Print&#8221; _builder_version=&#8221;4.17.3&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<div class=\"postprint\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><a class=\"print-page\" href=\"javascript:window.print()\"><img decoding=\"async\" src=\"https:\/\/seniorclic.hk\/wp-content\/uploads\/print.svg\"\/>Print<\/a><!-- [et_pb_line_break_holder] --><\/div>\n<p>[\/et_pb_code][et_pb_code admin_label=&#8221;Email&#8221; _builder_version=&#8221;4.17.3&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<div class=\"addtoany_shortcode\"><div class=\"a2a_kit a2a_kit_size_32 addtoany_list\" data-a2a-url=\"https:\/\/seniorclic.hk\/en\/topics\/work-retirement\/the-mandatory-provident-fund\/changing-jobs-and-the-employee-choice-arrangement-eca\/\" data-a2a-title=\"Changing jobs and the Employee Choice Arrangement (ECA)\"><a class=\"a2a_button_email\" href=\"https:\/\/www.addtoany.com\/add_to\/email?linkurl=https%3A%2F%2Fseniorclic.hk%2Fen%2Ftopics%2Fwork-retirement%2Fthe-mandatory-provident-fund%2Fchanging-jobs-and-the-employee-choice-arrangement-eca%2F&amp;linkname=Changing%20jobs%20and%20the%20Employee%20Choice%20Arrangement%20%28ECA%29\" title=\"Email\" rel=\"nofollow noopener\" target=\"_blank\"><\/a><a class=\"a2a_button_facebook\" href=\"https:\/\/www.addtoany.com\/add_to\/facebook?linkurl=https%3A%2F%2Fseniorclic.hk%2Fen%2Ftopics%2Fwork-retirement%2Fthe-mandatory-provident-fund%2Fchanging-jobs-and-the-employee-choice-arrangement-eca%2F&amp;linkname=Changing%20jobs%20and%20the%20Employee%20Choice%20Arrangement%20%28ECA%29\" title=\"Facebook\" rel=\"nofollow noopener\" target=\"_blank\"><\/a><\/div><\/div>        [\/et_pb_code][et_pb_code admin_label=&#8221;Font&#8221; module_class=&#8221;font-resize&#8221; _builder_version=&#8221;4.17.3&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<div style=\"\" class=\"wpavefrsz wpavefrsz-shortcode wpavefrsz-theme-dark\"><span class=\"wpavefrsz-text\" aria-label=\"\"><\/span><span class=\"wpavefrsz-minus\" tabindex=\"0\" aria-label=\"Decrease text size\" title=\"Decrease text size\" role=\"button\">-<\/span><span class=\"wpavefrsz-plus\" tabindex=\"0\" aria-label=\"Increase text size\" title=\"Increase text size\" role=\"button\">+<\/span><span class=\"wpavefrsz-reset\" tabindex=\"0\" aria-label=\"Reset text size\" title=\"Reset text size\" role=\"button\">=<\/span><\/div>      [\/et_pb_code][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Content&#8221; module_id=&#8221;content&#8221; _builder_version=&#8221;4.17.3&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;50px||50px||true|false&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.17.3&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.17.3&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_post_title author=&#8221;off&#8221; date=&#8221;off&#8221; comments=&#8221;off&#8221; featured_image=&#8221;off&#8221; _builder_version=&#8221;4.17.3&#8243; _module_preset=&#8221;default&#8221; locked=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_post_title][et_pb_text _builder_version=&#8221;4.17.3&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<h2>What happens if the employee changes jobs?<\/h2>\n<p>An employee who changes jobs can choose one of the following options:<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>Transferring the accrued benefits to a new MPF scheme with the new employer;<\/li>\n<li>Retaining the accrued benefits in the existing scheme; or<\/li>\n<li>Transferring the accrued benefits to a \u2018preserved account\u2019 in another scheme.<\/li>\n<\/ul>\n<h2>What is the Employee Choice Arrangement (ECA)?<\/h2>\n<p>The ECA, which came into force on 1 November 2012, allows employees to transfer their accrued benefits to an MPF trustee scheme of their choice on a lump-sum basis once a year. This process will generally take six to eight weeks to complete. This arrangement has no effect upon the employer\u2019s contribution or self-employed persons.<\/p>\n<p>The following can be transferred:<\/p>\n<ul>\n<li>The accrued benefits derived from employee mandatory contributions in their contribution account under current employment; and<\/li>\n<li>The accrued benefits derived from the mandatory contributions relating to former employment or self-employment which have been transferred to their contribution account under current employment.<\/li>\n<\/ul>\n<p>Employees should be aware that there will generally be a time lag of around one to two weeks before the transfer is complete, during which the funds will not be invested. There is therefore a risk of market fluctuations during that period to which the funds will be vulnerable.<\/p>\n<p>Employees should consider carefully the reasons for transferring their accrued benefits. The MPFA provides a Trustee Service Comparative Platform Units website. Please click\u00a0<a href=\"http:\/\/tscplatform.mpfa.org.hk\/scp\/eng\/index.jsp\" target=\"_blank\" rel=\"noopener\">here<\/a>\u00a0for details.<\/p>\n<p>Trustees and intermediaries should not charge for the transfer service under the ECA.\u00a0 \u2018Guidelines on Conduct Requirements for Registered Intermediaries\u2019 have been issued to govern the sales and marketing activities in relation to registered schemes. You can download the guidelines by clicking\u00a0<a href=\"http:\/\/www.mpfa.org.hk\/eng\/legislation_regulations\/legulations_ordinance\/guidelines\/current_version\/mpf_intermediaries\/files\/VI_2_Final_20120914.pdf\" target=\"_blank\" rel=\"noopener\">here<\/a>.<\/p>\n<p>\u2018A Guide to the ECA\u2019 and the \u2018Transfer Election Form\u2019 can be found on the MPFA website. Click\u00a0<a href=\"http:\/\/www.mpfa.org.hk\/eng\/information_centre\/forms\/mpf_schemes\/scheme_members\/transfer_of_accrued_benefits\/files\/Annex_B_to_IV_3_e.pdf\" target=\"_blank\" rel=\"noopener\">here<\/a>\u00a0to download the guide.<u><\/u><\/p>\n<p>The ECA does not apply to the ORS scheme (see below).<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The ECA, which came into force on 1 November 2012, allows employees to transfer their accrued benefits to an MPF trustee scheme of their choice on a lump-sum basis once a year. This process will generally take six to eight weeks to complete. This arrangement has no effect upon the employer\u2019s contribution or self-employed persons.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","inline_featured_image":false},"categories":[52],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Changing jobs and the Employee Choice Arrangement (ECA) - Senior CLIC<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/seniorclic.hk\/en\/topics\/work-retirement\/the-mandatory-provident-fund\/changing-jobs-and-the-employee-choice-arrangement-eca\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Changing jobs and the Employee Choice Arrangement (ECA) - Senior CLIC\" \/>\n<meta property=\"og:description\" content=\"The ECA, which came into force on 1 November 2012, allows employees to transfer their accrued benefits to an MPF trustee scheme of their choice on a lump-sum basis once a year. 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