The Hong Kong Investment Funds Association (HKIFA) recommends Mandatory Provident Fund (MPF) members adopt dollar-cost averaging—investing fixed amounts regularly, regardless of market prices—especially during market slumps. With Chinese and Hong Kong stocks currently underperforming, Philip Tso Wai-pong of HKIFA's pensions committee advises against selling assets at low levels, emphasizing that historical data favors the dollar-cost averaging method for MPF investments. He also suggests diversifying asset allocations beyond the Hong Kong market. Additionally, Sally Wong Chi-ming, HKIFA's Chief Executive, notes that the upcoming expansion of the cross-boundary Wealth Management Connect scheme will enable mainland investors to access more diversified overseas products, potentially increasing their risk appetite.