Subsequent to the promulgation of Law no. 8/2006, the Provident Fund Scheme for Workers in the Public Services became effective from 1st January 2007.

The Provident Fund Scheme for Workers in the Public Services is a retirement benefits plan provided by the Macao SAR Government to workers in the public services and it is characterized as being the type of defined contributions. Both the public services workers and the Macao SAR Government make monthly contributions at pre-defined contribution rates and they are applied to investment plans to seek for returns. Contributions are accumulated together with the returns on their investments for the provision of retirement protection. Scheme members will have full involvement in the investment of their retirement benefits – by building their own investment portfolio.

For more detailed information of the Scheme, please refer to Legislation, Introduction to Provident Fund Scheme Booklet.

For the detailed information of the Special Rights of the Scheme, please enter here.

To understand more about retirement investment knowledge and help to formulate a retirement investment strategy which suits the personal needs, please refer to the Investment Basics Booklet and Video.