One message about the Mandatory Provident Fund (MPF) that scheme providers and financial advisers have consistently sought to hammer home is the need to think long term.
It is a lesson that certainly bears repeating in a city where the trader mentality often focuses more on quick deals and short-term gains.
But now, with the local workforce fully attuned to the idea of making regular MPF contributions and looking to more distant time horizons in accumulating a nest egg for retirement, the emphasis in terms of education and awareness is understandably beginning to shift.
Since the scheme's introduction, there has been a general tendency for members to 'forget' their MPF investments.
In a sense, that was perhaps not too surprising because of the comparatively small amounts set aside each month and the consequent limited rates of growth.
Now, though, with the average sum in member accounts close to HK$100,000, industry leaders are keen to encourage individuals to take a closer interest in monitoring their investments and thereby maximise the benefits available to them.