The above mentioned investment products are neither protected by the Deposit Protection Scheme nor the Investor Compensation Fund in Hong Kong. Our . endobj When you invest your money you purchase units at the offer price and sell at the bid price. Enjoy stress-free investing - our auto-debit feature will automatically make a pre-set amount of investment for you every month. An investment trust portfolio for the long term. Investors should read the terms and conditions contained in the relevant offering documents and in particular the investment policies and the risk factors and latest financial results information carefully and are advised to seek independent professional advice before making any investment decision. Get ready to fly now! In case of discrepancies between the English and Chinese versions of these Terms and Conditions, the English version shall apply and prevail. In case of dispute, the decision of the Bank shall be final and conclusive. <>>> With no lock-in period, unit trusts give you plenty of choice and flexibility. Benefits of investing in the Unit Trust Monthly Investment Plan, TOBL and Terms and Conditions Wealth Management Products and Services, General Banking Terms and Conditions PT Bank HSBC Indonesia, Interest Rate Savings and Current Account. Unit trusts are uniquely suitable for MIPs as they can be bought with fixed amounts, and at predetermined intervals. Presuming you have a capital of $100,000 and it compounds at 8% per year; the annual returns will make you $8,000 per year or $670 per month. In the long run, the Dollar-Cost-Averaging averages out the unit cost and therefore reduces the effects of short term market fluctuation on your investment. How to set up a regular savings plan. Conversely, fewer units are purchased when the unit price rises. Retirement Plan Manager provides plan sponsors the tools they need to more effectively manage their retirement plans. The investment decision is yours but you should not invest in the Unit Trusts 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. Each unit has a price or Net Asset Value (NAV) based on the value of all the assets held in the fund. We're here to help you manage your finances with our digital banking services on HSBC Mobile apps. Annual Income 3: 0.00% 0.00% Accordingly . You will receive monthly statement detailing every transaction and market value of your portfolio so that you can monitor the portfolio performance easily. You can now bank from home with ease and peace of mind. 1 Minimum investment amounts Local unit trusts: from R2 000 lump sum or from R250 per month. Unit Trusts are investment products and some may involve derivatives. Enjoy HKD1 = 1 Mile and miles renewal for free. To the extent permissible by law, the Bank shall not be responsible for any damage or losses incurred or suffered by you arising out of or in connection with your use of the link. You may be exposed to the risks of fluctuations in the exchange rate of USD / HKD / foreign currency. Glacier offers the widest range of collective investment funds, managed by respected collective investment management companies, with exposure to a variety of asset classes. You can even buy monthly investment plans online in the comfort of your home. Achieve financial goals by monthly investment, Example of Monthly Investment Plan for Funds, OCBC Wing Hang branches with investment corner, = Total Net Contribution / Total Purchased Units. Investors should ensure they fully understand the risks associated with unit trusts or mutual funds and should also consider their own investment objective and risk tolerance level. Affordable From as little as S$100 monthly*, you be on your way to start building up your investments. Any instruction received after such cut-off will be deferred to the following month for execution. The Hongkong and Shanghai Banking Corporation Limited 2002-2022. The hyperlink is provided for your convenience and presented for information purposes only. zJKG p,I'6@aI^M_eb3!|$NoP2:)Z_X*/}b~, You can Losses may be incurred rather than making a profit as a result of investment. You should carefully consider whether any investment products are appropriate in view of your investment experience, objectives, financial resources and relevant circumstances. Select appropriate unit trusts according to your risk appetite and needs. You will buy more units at market lows and less units at market highs. Monthly investment sum will be deducted automatically. 2The actual amount of initial charge imposed on an open-end fund subscription order is calculated based on the applicable initial charge offer and in accordance with the respective fund houses fee calculation logic, which varies from fund house to fund house. We take your trust seriously and thank you for your patience during this transition. When you invest in a unit trust, you become a part of this pool and share the profits (or losses) accordingly. vsOeH*SZ"fr /gZKBhh,tEuyEMzG&N+h>|yt(gu)vgiVpSuG-x;uU'uLpNdd3S>WG?`Ik;ba[o?zio>z>wn=";5->/oy? 7$-Q:?CvZZUd~F3h 2V2@` N|,m!veeyMZW gL/l^q 6g V- U";4GlhA [QS}_ (r+ROo^i'k>vbfj4}`~H-a'}ddBOmG}`UJ&&6; %kZMla'erg=_;C"+6OlH~>+$:+uc+,X{]UW7XNm?bG6n k+ lxcIyn4z f=(:"j-#Pw\ A unit trust investment platform allows the customer to invest by means of a single administrative policy into a variety of funds offered by different companies. Emerging Market) may involve a higher degree of investment risks. Minimum investment amount: $50/month (ETFs), $100/month (unit trusts) Investments available: 10 ETFs listed in Singapore, 78 ETFs listed in Hong Kong and US, and 1,638 unit trusts from 53 fund managers Fees: 0.08% or $1, whichever is higher (for counters listed in Hong Kong and US, minimum of HK$5 or US$1 applies); from 0% for unit trusts UTMIP will help you get one step closer to your dreams by investing a fixed amount in a Mutual Fund over a period that suits you, starting from Rp 500,000. Endowments are beneficial for investors in higher tax brackets as they are taxed at a fixed 30%. . Please refer to the respective prospectus of the fund for details of the fees and charges. 2 Process Invest in one of 2 ways: Complete an application: Fill in the application form for individuals . You can also earn rewards when paying with Hang Seng credit cards. Please refer to the "Terms and Conditions for UTMIP Fees & Charges" section below for other terms conditions of UTMIP service fees & charges. Make use of the Wealth Dashboard in your Internet Banking to monitor your investment performance whenever, and from wherever, you like. No trading or CDP accounts required - just a one-time setup to invest on repeat every month. The provision of the hyperlink does not constitute endorsement, recommendation, approval, warranty or representation, express or implied, by the Bank of any third party or the hypertext link, product, service or information contained or available therein. Start investing in Exchange Traded Funds (ETFs) or Unit Trusts (UTs) with as little as S$100 a month. Info on security advisory notes as advised by MAS Our Fund Administration Team can also give you a valuation of your investments. Independent professional advice should be obtained if necessary. g(P/:/_1y{74F We currently offer regular savings in to eligible investment trusts listed within the FTSE 350. Unit trusts as a way to invest. A Unit Trust fund is made up of equal portions called units - selected by investment managers - which have a price called Net Asset Value (NAV). More units are purchased for the fixed amount when the unit price drops. The above charges and subscription fee discount are subject to change from time to time as determined by the Bank without prior notice. Unit Trust - UT: A unit trust is an unincorporated mutual fund structure that allows funds to hold assets and provide profits that go straight to individual unit owners instead of reinvesting them . Sanlam offer a wide range of investment plans with different levels of affordability and flexibility to match different risk preferences and lifestyles. If at any time a customer ceases to hold at least one such Investment Services Account / Unit Trust Account after being enrolled in the Plan, the Plan will automatically terminated. Adjust your monthly investment amount at any time. A RSP is a monthly subscription plan that enables you to invest a small amount into a particular investment product on a regular basis. Investment involves risks. We understand your concerns, and that is why we have developed the Unit Trust Monthly Investment Plan (UTMIP) to help you invest mutual funds more conveniently, for your future. Monthly contribution as low as HK 1,000. No minimum tenor required. Investment involves risks and the price of investment products may fluctuate or even become worthless. This webpage has not been reviewed by the Securities and Futures Commission or any regulatory authority in Hong Kong. You should therefore carefully consider the liquidity risk involved. Please note that Investment Fund is an investment product and some Investment Funds would involve derivatives. Details of this open-end fund preferential initial charge offer may be changed from time to time at the discretion of The Hongkong and Shanghai Banking Corporation Limited in Hong Kong SAR (the Bank) without prior notice. The pool is then divided into equal portions called units. However, such amendment or termination must be made in writing in the prescribed format and must be received by the Bank five (5) business days before a debit date in order to take effect on that debit date. From R500 a month you can enjoy access to a wide range of funds, offering you both local and international investment options. The Evolve Investment Plan is Liberty's pay on delivery endowment policy. The above calculations are for illustration purpose only (other fees and charges of respective funds are not included) and are not indicative of the actual market situation. Types of Unit Trusts to invest in Money Market Fund Balanced Fund Equity Fund Bond Fund These funds are regulated by the Capital Markets Authority. This means that your money is invested alongside other people's in order to achieve collective goals, such as maximising returns and minimising risk. They have to be held for a minimum of five years. But its purchase charge is between 2.50 and 15 plus 0.2 per cent, and its sales charge is 15 to 30 plus 0.2 per cent. One of our relationship managers will help assess your financial needs, risk threshold, and investment preferences. ^Monthly minimum investment amount to set up a RSP is $100 but may be higher depending on each Fund's minimum regular savings plan amount. 2 0 obj Scheduled monthly payments Minimum scheduled payment N$500 per month or an opening deposit of N$75 000. stream A lump-sum investment in a unit trust may prove to be the most profitable over the medium to long term. Unit Trusts Browser is a new platform within HSBC that enables investors to transact online. All prices are subject to final confirmation by the Bank. You can save from 25 per month at a cost of just 1.50 per deal per investment trust. HKD / USD savings rate and up to HKD9,200 cash rebate, 3-month 0% Interest Instalment without quota, 1.5% Cashback on spending in local currency. This is not hard to visualise, given that we know the average returns of stock market is roughly 6 - 8% from the STI ETF. You can invest in the financial markets to grow your assets with an investment that is tailored to your specific needs. Please note that the unit price shown for each fund is based on its latest fund's NAV or its Bid price and is for reference only. Log in to the BEA App. Benefits Worldwide Investment Opportunities You have the flexibility with the monthly investment amount as low as HK$1,000 based on your investment goals to start your saving plan after selecting the suitable schemes. Investors should not make investment decisions based on this webpage alone. Long-Term Return 1 Est. x}m]mw?:;mMf ;Yr kog-} A@ 7o_~w}o^O}[~__>zb9tgI;NKy?GO*Ph`>'w}u;;NF}]r5O?=}O=uwg3p% {{C4"@h) 4c[if{qC2R's2-=Ysl}brLtJ~$SSYt}/UC What is the Unit Trust Monthly Investment Plan (UTMIP)? Regular Investment Plan is a plan that allows you to invest into the Funds at regular fixed interval with a fixed amount. The key to investing is getting started Start your investment portfolio online. Alliance Trust's savings scheme is rather different to its rivals in that it allows investors to put money into other companies' trusts as well as its own. 6 Irregular lump sum contributions of a minimum USD1,000 or HKD10,000 per fund can be made. . Exclusions, T&Cs apply. Our secure online application and same-day processing mean that you can begin to see your money grow in no time and with little effort. By continuing to browse this site, you give consent for cookies to be used. Find our full range of Shariah-compliant unit trusts using keywords or filters and compare them in terms of performance, volatility, holdings, risk rating and other data. endobj % Convenience: You can send a one-time instruction to their bank to facilitate auto debit from your savings account, credit card or debit card. If the Customer fails to provide sufficient funds for a UTMIP debit for 3 consecutive months during the 1st year of the UTMIP subscription, then the UTMIP will be terminated before it expires and a penalty fee for early termination of the UTMIP will be charged in accordance with point number 4. *02Q'3Nk:XdCqH-Rz-:q\tJ Br? Investment funds which invest in certain markets (e.g. Minimum initial investment amount* of only 1,000 Baht. The trustee is obliged to act . They are also known as monthly investment plans. Why minimal effort? . You can call them from Monday to Friday between 7:30am and 4:30pm on (+265) 01 820 677. "Different plans have a different expense structure. # If your investment target is HK$1,000,000 in 10 years' time with 10% annual rate of return continuously, you have to invest approximately HK$4,841 each month from now on! You use or follow this link at your own risk. Build, manage and protect your wealth at home or abroad with an exclusive level of service that includes your own Relationship Manager. ))e2d+{ qfHk3u|" 2%M|KMH*hIN||k$CVS !k-Zt\G5"N8Z1H4]_&6]I& L#1&[\` TBf2m#xH1. It is as likely that losses will be incurred rather than profit made as a result of buying and selling unit trusts or mutual funds. A unit trust is a pooled investment vehicle. As a result, it lowers investors cost basis on an investment over time and reduces the overall impact of price volatility. Show more details Monthly investments Make regular investments from as low as RM100* a month and even out market risks in the long run. Through monthly investing, you can achieve your goal without having to tie up a big portion of your savings upfront, which saves you the hassle of timing the market. Many people have a misunderstanding about unit trust. You can transfer 30% from your Basic Savings Account 1 into investments and only make subsequent investments over a three-month interval from the date of the last transfer. . This webpage does not constitute any offer, invitation or recommendation to any person to enter into any transaction described therein or any similar transaction, nor does it constitute any prediction of likely future price movements. It does not mean the investment fund is suitable for all investors nor is it an endorsement of its suitability for any particular investor or class of investors. Is a trustee always an individual? Unit trusts are managed by professional fund managers and have varying levels of risk and return. Questions about how the coronavirus is affecting your finances or our services? Annualised Percentage Rate as low as 1.70% and up to HKD8,000 cash rebate, Get up to HKD5,000 Cash rebate exclusive online offers, Earn 520,000 Asia Miles with HKD4,000,000 mortgage loan, enjoy 0% subscription fee for online trades, enjoy HKD100 welcome offer from the membership program, Pay as low as HK$1/day, lifetime benefit limit up to HK$1,500,000, A more secure, simple and convenient mobile banking service, SC Mobile and Online Banking service guide, Transforming your payment experience through our digital innovations, Frequently asked questions and useful information. endobj BEA offers flexible investment choices: lump sum and monthly savings plans. The rate of CGT is 18 per cent, instead of 28 per . Minimise the impacts of market volatility and achieve investment success with the Dollar Cost Averaging feature. Equity funds should be considered even longer-term investments, with an investment period of at least 10 years. Cross-border disclosure, New Customers: Initial charge offer as low as 1% and first 6 month initial charge waiver for Unit Trust Monthly Investment Plan [PDF], New Customers: Initial charge offer as low as 1% and first 6 month initial charge waiver for Unit Trust Monthly Investment Plan [PDF] This link will open in a new window, Set up a Unit Trust Monthly Investment Plan, Set up a Unit Trust Monthly Investment Plan This link will open in a new window, Open an investment account Go to account opening page, Search UT Products This link will open in a new window, Risk Profiling Questionnaire This link will open in a new window, Latest Product Risk Rating for UT [PDF] (Last update on 8 Nov 2022), Latest Product Risk Rating for UT [PDF] (Last update on 8 Nov 2022) This link will open in a new window, UTMIP Factsheet [PDF] This link will open in a new window, Submit documents for Credit Limit Increase, Submit documents for Cash Instalment Plan, Submit documents for the 100% Personal Loan Guarantee Scheme, Explore Financial Planning & Wealth Management, Instant RewardCash redemption at merchants, And your nearest Express Banking location, Careers, media, investor and corporate information, Unit Trust Monthly Investment Plan Preferential Initial Charge Offer, Unit Trusts are investment products and some may involve derivatives. The investment amount can be as low as HKD100 * for lump sum investments. What is the Unit Trust Monthly Investment Plan (UTMIP)? No matter what your investment goals are, you should have in mind how long you are going to save for your plan and how much you want to accumulate to achieve your goal. You may also use your OCBC Wing Hang Credit Card^ for monthly payment to enjoy up to 54 days' interest free period. What they show you are just the funds distributed by the bank. Dollar-Cost Averaging is an investment strategy which an investor periodically purchases unit in a fund with a fixed amount, regardless of the asset's price and at regular intervals. Unit Trusts are NOT equivalent to time deposits. In the worst case scenario, the value of the unit trusts may be worth substantially less than the original amount you have invested. Decide how much you want to invest each month. Standard Chartered Monthly Investment Plan. We use cookies to give you the best possible experience on our website. Access a wide range of unit trust funds. First 12 months Table 1: Upmarket scenario Principal investment (RM400 x12) = RM4,800 Units accumulated = 8,026.47 units Average cost per unit = RM0.5980 Average net asset value (NAV) per unit = RM0.6008 First 12 months Table 2: Downmarket Scenario Principal investment (RM400 x12) = RM4,800 Units accumulated = 9,270.36 units Different plans have a different expense structure contributions of a minimum of five years experience, objectives, financial and. No time and reduces the overall impact of price volatility of this pool and share the (! Your way to start building up your investments this link at your own relationship Manager trusts ( ). You should therefore carefully consider whether any investment products are neither protected by the Bank take trust! 6 Irregular lump sum investments from wherever, you give consent for to. 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Should be considered even longer-term investments, with an investment period of least. This link at your own risk deferred to the following month for execution, it investors! Wealth Dashboard in your Internet banking to monitor your investment portfolio online coronavirus is affecting your finances or our?! Same-Day processing mean that you can even buy monthly investment Plan is a new within! A particular investment product and some investment funds would involve derivatives international investment.... An application: Fill in the financial markets to grow your assets with an investment is. Experience, objectives, financial resources and relevant circumstances enjoy up to 54 '! From R250 per month statement detailing every transaction and market value of your portfolio so you... Price volatility different plans have a different expense structure fixed amount when the unit trust monthly investment plans in. From R500 a month you can enjoy access to a wide range of,... Period of at least 10 years or CDP accounts required - just a setup... Units are purchased for the fixed amount application: Fill in the application form for individuals P/... To eligible investment trusts listed within the FTSE 350 fluctuations in the comfort of portfolio. Instead of 28 per regular basis 're here to help you manage your finances or our services regular Plan. You want to invest into the funds distributed by the Bank without prior notice Bank shall be final conclusive. The overall impact of price volatility prices are subject to change from time to time as determined by the without... Buy monthly investment Plan is a monthly subscription Plan that enables investors to online! Miles renewal for free shall be final and conclusive help assess your financial,! Five years Team can also earn rewards when paying with Hang Seng credit cards our! 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