 |
Investment Fund |
 |
 |
 |
|
Fund Investment Types
Lump Sum Investment Fund
- Minimum investment amount as low as HK$20,000(or equivalent)
Regular Investment Plan
- Regular Investment Plan combines the advantages of fund investments and regular savings. You can design your ideal investment plan according to your financial objectives. You can simply put the fixed contribution into the market regularly, and your capital would be invested into your assigned investment portfolio over the time. In the long run, it reduces the impact of market fluctuation and you can enjoy the opportunity of higher return, which helps you to attain your financial objectives with ease.
Benefits of Regular Investment Plan
"Dollar-cost-averaging"
- You can benefit from "dollar-cost-averaging" by monthly fixed contribution. When the market goes down, you buy more units; and when the market goes up, you buy fewer units. Over the time, you may enjoy a lower average cost per unit. It reduces the impact of market fluctuation, which saves your time to time the markets.
Easy to start
- You can choose whether to have initial subscription. The monthly contribution is as low as HK$1,000.
Flexible Plan
To meet your personal financial needs, you canĄG
- Design your own investment amount and investment period
- Adjust the monthly investment amount and investment period
- Redeem part of or full investment amount without extra charges
Simple Application Process
- A fixed monthly payment date allows you to simply set up a direct debit authorization for automatic settlement, that saves your management time.
Wide range of selection
- We provide selected funds from reputable fund houses to suit your investment needs.
Example of "Dollar-cost-averaging"
Dollar Cost Averaging
"Dollar-cost-averaging" is operated by putting fixed contribution into market regularly. When the market goes down, you buy more units; and when the market goes up, you buy fewer units. For a long time, the unit price that you bought would be lower than the average market unit price.
Example:
| Month | Monthly Contribution Amount | Unit Price | No. Of Units Purchased |
|---|---|---|---|
| 1 | $2,000 | 100 | 20.0 |
| 2 | $2,000 | 98 | 20.4 |
| 3 | $2,000 | 93 | 21.5 |
| 4 | $2,000 | 101 | 19.8 |
| 5 | $2,000 | 108 | 18.5 |
Average Cost per Unit: $99.8
Average Market Unit Price: $100
In the above example, average cost per unit is $0.2 lower than the average market unit price after 5 months fixed contributions. The average fund price would be more steady and cost effective once you enjoy "Dollar-Cost-Averaging" effect, which increase your potential of return.
For enquiries, please visit any of our branch and sub-branches or call our customer service hotline.
Risk Disclosure Statement
This is a structured product involving derivatives. The investment decision is yours but you should not invest in the "Investment Fund" unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives.
