滙 豐 強 積 金 概 覽 HSBC MPF Overview 創造優勢,邁向美好未來 Empowering you for a bright future 專 專 專 專 業 業 的 僱 僱 主 主 支 支 援 援 P P P r o f e s s s s i i o o n n a a l l e e m mp p l l o o y y e e r r s s u u u p p p p p p p o o o o r r r r t t t t 全 全 全 面 面 的 的 成 成 成 員 員 支 支 援 援 援 A Al l l- r o u u n d m me e m mb b e e r r s s u u p p p p o o r r t t 全方 方位 位 電 電 電子 子 子 子服 服 服務 務 務 務 Comprehensive e e e- -S S Se er rv v vi i i ic c e e es s s 《 新僱員電 電子登 子 子 子 記 記 e- e-En En r r o l l me me en n n t t t 《 網上 網 網 網 遞交付款 款結算 結算書 書 e- e-S S u u bm bm m i i i ss ss i i on on o o f f re re remi m m m t t t t t a a a n n n c c c e e e st st st a a t t e e e m m m e e e n n n n t t 《 人 人力 人力 力資源軟 件 件 In nte tegr gr a a t t e e e d d d H H R R R so so so sof f t t w w a a a r r e 《 滙豐 滙豐 滙豐 豐商務網上理財 財 H HSB SBC C C Bu Bu Busi si ne ne ne ness ss ss O O Onl nl n in i e e e e Ba Ba B nk nk kin in n ng g 《 電子 電子 電子 電子提示服 務 e-No ti t fic fic a a t t i i o o o n n n 強 強積 積金刊物 物及 及簡 簡介會 最新資訊唾手可得 K Ke ee ep p u updated with vario ous MPF pu p blic cat atio ions ns a and nd i informative briefi e e ng ngs 《 滙豐 滙豐強積 強積金僱 金僱主熱 主熱線 HSBC MPF Emp plo loye yer r Ho Hotl t in ine e 2 5 8 8 3 3 8 8 0 0 3 3 3 《 聯絡 強積 積金專 金專 專員 員 或專 或專 或 屬客 屬 戶服務經理 T al T T k to ou ur r M M P P F F sp sp ec ecia iali list t s or d e s i gn a t e d a c c o o u u n n t t m m a a n n n a a ge ge r r 《 引入 引入 入 入微信 微 微 虛擬助理,接 接觸點 觸點眾多 眾多 賬戶 賬戶 賬戶 戶管理 管理 管 , , 輕 輕鬆 鬆 鬆便 便捷 H H H Ha a a as s s ss s sl le e-f fr r re e ee account ma management 《 《 以 以 以 單一 單一 單一 單一用戶 用戶 用戶 用戶名 名 名 稱 稱 登入 登入網上 網上 網上理財 理 Single logon fo or Onli ne Banki ng n 《 一個 一個 一個 個應用 應用 應 應 程式 程式 程 ,同 ,同 同步管 步管 管理強 理強 理 積金 金及銀行戶口 bank k a a acc cc c ou ount nt i in n n on one e mo mo obi b le app an answ swer er you ur enquirie es 24 24/7 /7 /7 7 Manage MPF and 微信 微信虛擬 虛擬助理 助理,全 全天候 天候 天 解答 解答 解 解答你的 你的 你的 你 疑問 疑問 疑 We WeCh Chat a vir rtual assistant, 《 籌 籌 籌 籌辦 辦 辦 辦多 多 多 多 多項 項路 路演 演, ,成 成員 員講 講座 座, R Ro oa a ad d d ds s s sh h how ws s a an n nd d s se em mi in na ar rs s pr ovidin ing g up up pda d d te ed inform mat atio ion n to to m mem embe bers rs s in n ‘T Tot al R el el l l at at at io io io ons ns n hi hi hi p p p Ba Bala la anc nce’ e’ , br b b ingi ging ng you closer to be beco come m our HSB SB BC C C Pr Pr P Prem em emie ie ie er r or or H HSB SBC C C On O e customer 滙豐 滙豐 豐強積 積 積 積金結 金結 金 金 餘計 餘計 餘計 餘 入 入 入 「全 「全 全面理 面理 面 面理財總 財總 總值 」 , 計劃 劃成員 輕易成為 滙豐 滙 卓越 越 卓越理財 理 理財或滙 或滙 或 或 豐 豐 豐 On On One e e e 客戶 客戶 戶 HS SBC B MPF bal ance i s i ncluded Mu ult ltip ip p ple le t touch points, inclu ludi ding ng v v v vir ir i tu tu ual al a ass ss sis i i ta t tant nt t in i WeC eC eCha h h t 《 頂尖 尖行政團隊,指 ,指示瞬 示瞬 瞬間辦 間辦妥 妥 妥 Excellent administration servi vice ce c t tea a eam, m, y you our r r in n nstruction n handled in a highly efficient an nd d effec cti tive ve ve w way ay 專 專業 業團 團 團隊 隊 隊 助僱主及僱員 僱員管理 管理強積 強積 強 金賬 金賬 賬戶 戶 戶 P Pr rof fessional team m m h he el lp p p pi i in ng g g e em m mp p p l lo oy y y ye e e er r r rs s s s & & & & e e em m m mp p pl lo oy ye ee es s ma manage M MPF PF acc cou u unt nt nt ts s s 強 強積 積金 金 金工 工 具 具 具 簡單 簡單 單 易用 易用 用 易用 Easy-t -to- o-use M M M P P F F T T T o o o T T T o o o l l l s s s 《 滙豐退休 退休策劃 劃指 標 H H S B C C R R et et i i re r me ment nt Mo Mo Mon n n it it it o o o o r r r r 《 滙豐 豐退休 退 退 策劃 策 計算 計算機 機 機 機 HS H BC R etir ire emen ent t Pl P Plan anne ne ner r 《 積金 積金 積金 金教 教 室 室 室 MP M F Ac Ac a a d d e m m y y 《 滙豐 滙豐 滙豐 滙豐強積 強積 強積 強積金成 金成 金成 金成員熱 員熱 員 員熱 線 線 線 H H S S B B C MP PF F Me e Memb mb ber H H o o tl t i n n e e 3 3 3 3 1 1 1 2 2 2 2 8 8 8 8 0 0 0 0 1 1 1 1 2 2 2 2 8 8 8 8 《 專業 專業 專業且具 且具 且具 且具豐富 豐富 豐富 豐富強積 強積 強積 強積金管 金管 金管 金管理經 理經 理經 理 驗的 驗的強積 強積金專員, 員 時刻 時刻 刻解答 解答 解答疑難 疑難 疑難 Yo Yo Y ur ur q q que ue ue uest st st s io io io ions ns n ns a a a ans ns ns nswe we we were re red d d d by by by our u p profe essio onal & & kn know owle ledg dg dgea ea eabl bl bl le e e e MP MP MP MPF F F F sp sp sp spec ec ec ecia ia ia iali li list st st ts s s 向成 向成 向成 向成員提 員提 員提 員提供最 供 供 供 新資 資訊 訊
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2002200年年
由香港上海滙豐銀行有限限公公公公司司刊刊發發
月月
Issued by The Hongkong and Shanghaaii BBanking Corporation Limited
November 2020
1111
The HSBC Mandatory Provident Fund – SuperTrust Plus is a mandatory provident fund scheme.
You should consider your own risk tolerance level and financial circumstances before making any investment choices or investing in the MPF Default Investment Strategy (the ‘DIS’). You should note that the DIS Constituent Funds, namely, the Core Accumulation Fund and the Age 65 Plus Fund, the DIS or acertain Constituent Fund may not be suitable for you. There may be a risk mismatch between the DIS Constituent Funds or a certain Constituent Fund and your risk profile (the resulting portfolio risk may be greater than your risk preference). When you are in doubt as to whether the DIS or a certain Constituent Fund is suitable for you (including whether it is consistent with your investment objectives), you should seek financial and/or professional advice. You should make the investment decision most suitable for you taking into accountyour circumstances.
You should note that the implementation of the DIS may have an impact on your MPF investments and accrued benefits. We recommend that yyou consult with the Trustee ifif yyou have dooubts on hohow you are being affected.
Thhee GuGuararana teedd FFunund d ininveststss sosolel lylyy iiinnn anan aappppprororoveveved d popooololeded iinvnvesestmt ent fund (‘APIF’) in ththee fofooormmrm oooff an insurance policy prrovovideded by HSBC Lifee (I(Intn erernanatitionononnala )Limited. The guarantteeeeee iiissss alalalalsososo gggivivenen bbyy HSHSBC Life (Internationnnaal)) Limited. Your investments in the Guarantnteeeeeedd FuFundndn , ifif any, are thherereffororee susubjbjece t toto theheh credit risks of HSBC Life ((InInteternational) Limitedd. PlPleaeasese rrefefererr ttoo sesectctctioioon n 4 4 4 ‘RRRisisisksksks’ ofof tthehe MPF Scheme Brochure e foforr dedetaails of the credit risk.
The guarantee in the GGuauararantnteed Fund only applies unded r certtaia nn cocondndititioionsns.Please refer to susubsbseection 3.4.3(f) ‘Guarantee features’ of the MPF Schemee Brochure fforor detaiilsls oof f the guarantee features (including in the context ofpayment off acccrurued bbenefits in instalments) and the ‘GuGuara antee Conddititioi nss’.
MPF Benenefitfits, AVC BBenenefits and TVC Benefits are payable on a Membber’s’ 665t5th hbirthdayy oor r ono early retirement on or after reaching age 60. The accrued benefits caann bbe paid in one lump sum or in instalments, at the Member’s election. The accrueuedd bbenefits can be paid in such form and on such terms and conditions as ththe e Trustee may, to the extent not prohibited by the MPF Ordinance or GeneralRRegulation, prescribe. Please refer to subsection 6.7(c) ‘Payment of MPF Benefits, AVC Benefits and TVC Benefits’ of the MPF Scheme Brochure for details.
You should not invest based on the information shown on this document alone and should read the MPF Scheme Brochure.
Investment involves risks. Past performance is not indicative of future performance. The value of financial instruments, in particular stocks and shares, ana d any income from such financial instruments, may go down as well as up. For furttheherr dedetails including the product features and risks involved, please refer toththe e MPF Schemee BBrorochc ure.
Importtanantt –– if yyou are in doububtt aba out the meaning oror eeffeff ctct ooff ththe e cocontents of f tht e e MPF Scheme BBrochchurure,e, yyouou sshohoulu d seseekek iinndeppenendedentt professional advice.
HSBC Mandatory Provident Fund - SuperTrust Plus comprises a total of 20 Constituent Funds, including actively and passively manageded Constituent Funds to suit your retirement needs. The Default Investment Strategy (DIS) is also included as an investment choice. DIS is a ready-made investment arrangement which aims at reducing the investment in high risk assets as member gets near to retirement agee, suuchc de-risking feature will not apply if member chooses the Core Accumulation Fund and Age 65 Plus Fund as standalone investment funds. You can refer to the MPF Scheme Brochure for more details of various Constituent Funds or the DIS.
成分基金名稱Name of Constituent Funds
最新風險級數 #
The latest risk rating #
基金管理費(按每年資產
淨值的百分比計算)2,3
Management fees(As a percentage of net
asset value per annum) 2,3
典型資產分配1
Typical asset allocation1
股票Equities
債券Bonds
現金Cash
貨幣市場基金 Money market fund
債券基金 Bond fund
保證基金 Guaranteed fund
混合資產基金 Mixed assets fund
股票基金 Equity fund
20-100% 00-80%%
75-85%
35-45%
55-85%
15-45%
0-30%
15-45%
0-30%
0-30%
0-30%
0-30%
0-30%
00-3300%%%
0-30%
0-30%
0-30%
–
–
100%%強積金保守基金4MPF Conservative Fund4
0-50%
15-25%
55-65%
15-45%
55-85%
70-100%
55-85%
70-100%
70-100%
70-100%
70-10000%%
70-100%
70-100%
70-100%
70-100%
70-100%
100%
100%
–
– 70-100% 00-30%
低風險Low risk 1 2 3 4 5
低風險Low risk 1 2 3 4 5
中度風險Medium risk 1 2 3 4 5
低至中度風險Low to medium risk 1 2 3 4 5
中度風險Medium risk 1 2 3 4 5
中度至高風險Medium to high risk 1 2 3 4 5
中中度度風險險MMedium rrisiskk 1 2 3 4 5
中度度至高風風險險Medium to hhigh rrisiskk 1 2 3 4 5
中度至高風險Medium to high risk 1 2 3 4 5
中度至高風險Medium to high risk 1 2 3 4 5
中度至高風險Medium to high risk 1 2 3 4 5
高風險High risk 1 2 3 4 5
高風險High risk 1 2 3 4 5
中度至高風險Medium to high risk 1 2 3 4 5
中度至高風險Medium to high risk 1 2 3 4 5
中度至高風險Medium to high risk 1 2 3 4 5
高風險High risk 1 2 3 4 5
高風險High risk 1 2 3 4 5
低低風風險險Low rrisisk 1 2 3 4 5
低至中度風險Low to medium risk 1 2 3 4 5
1.2755%
0.75%
0.75%
1.25%
1.35%
1.45%
0.79%
00.7799%%
1.30%
1.30%
1.45%
1.45%
1.45%%
0.79%
0.79%
0.79%
最高 Up to 0.755%
最高 Up to 0.79%
0.75%
00.7799%%環球債券基金 Global Bond Fund
65歲後基金 Age 65 Plus Fund
核心累核心累積基金積基金 Core Accumulation Fund
平穩基金 Stable Fund
均衡基均 金 Balanced FunFundd
增長基金 Growth Fund
自選均自 衡基金 ValalueCueChohoice Balanced Fund
環球股票基金 Global Equity Fund
北美股票基金 North American Equity FuFundnd
歐洲股票基金 European Equity Fund
亞太股票基金 Asia Pacific Equity Fund
中港股票基金 Hong Kong and Chinese Equity Fund
中國股票基金 Chinese Equiquity ty Fundd
自選美國股票基金 ValueChoice US Equity Fund
自選歐洲股票基金 ValueChoice European Equity Fund
自選亞太股票基金 ValueChoice Asia Pacific Equity Fund
保證基金 Guaranteed Fund5,7,8 5,7,8
恒指基基基基基基基基基基基基基基基基基金 Hang Seng Index Tracking Fund
恒生中中中中中中中中國企業指數基金 Hang Seng China Enterprises Index Tracking Fund
◆ The risk rating is defined using a 5-point risk scale with risk rating ‘1’ representing the lowest risk and risk rating ‘5’ representing the highest risk. Thehe risk rk ratiat ng is derived based on a combination of quantitative and quualia tative risk sk facfactorto s including price volatatility,y assas et et allallocation and liquidity. The risk ratings for the Age 6565 Plus Funnd ad andnd thethe CoCore e AccAccumuum lation FuFundnd areare dederrived basbaseded on o the available historical data of thethe unnderderlyilying indiceces of the industry ry rece ognogniseised reference portfooliolio ofo the Ae Agege 65 65 Plus Fund and the Core Accumumulatlationion Fundnd resrespepectively while the same riskikingng ratrating mechanism as all other Constituent Funds has been applied.
TheThe fofollollowinwing prorovides a general descriptiion of the rir sk ratingg categegoriorisatsa ion.
11 = = Low RisRiskk kMinimal chance of losing a significant portion of your capital overr ththe te termerm ofof ththe investment (although this is not guaranteed). Expected to demonstrate minimal price fluctuations ovover er shoshortrt periods of time.
2 = Low to Medium Risk Low chance of losing a significant portion of your capitaltal ovover er theth term of the investment (although this is not guguaraar nteed). Expected to demonstrate moderately low lw leveev l of price fluctuations over short periods of time. 3 = Medium Risk Moderaeratete chachancence of losing aa sisignificant nt porportiotion of your capital oveover the term ofthft e investment (although this is not guaranteeeed).d Expected to deemonmonstrstrateate mom derate level of price fluctuations over short periods of time.e 4 = Medium to High RiskModerately high chance of losing a significantant poportiion ofof youyour cr capiapitalta over the term of the investment. Expected to demonstrate moderately high lelevelve ofof price fluctuuatitionsons oover r shos rt perp iods of time. 5 = High Risk High chance ce of of loslo ing a significant portion of your cappitaital ol over the term off the investmmenten . Expected td odemonstratete highigh level of price fluctuations overver shshort periodsds of o time.
# The risk ratings are baseded on on datd a ua up tp to 9o 9 MaMay 2y 2020020.The risk ratings are provided by HSBHSBC GC Grouroup Mp Manaanagemgementent SeS rviicesces Limited.dThe risk ratra ings are provided for referferencence oe only, normally reviewed at least annually ay nd may be subjeb ct tochange from timme te te o ttime without any notictice.e. TheT risk sk ratr ings oor ar any ny chachangenges ws willill bebe made available in the FunFund Fd FFactact ShSheeteet, H, SBCSBC MPMPF wF websbe itee, H, HSBCSBC HKKHK MoM bilbile Be BBankanking app and MMonthly FFundd Performamance Sumu mary. The irisk s ratratinginn s infoformarmatiotion ppn provrovovideideid d sd houhouldldd notnotno bebe regarargarardeddeddedded asas ininvesve tment advice. You should not rely on the risk ratings when making any investmeneent ct ct choihoicesces fofofor yr yr yourouro MPMPMPF aF aaccoccountunt(s)(s).The Hongkong and Shanghai Banking CoCorporporatra ionn Limiteded, HSHSBC BC Life (Internernatiat onal) LimLi iteedd, HSBHSBC GC Grouroup p Management Services Limited and any member of thhe He SBCS Groupoup arare ne notot rresponponsisible for any loss occasioned as a result of relying on the risk ratings information as investment advice.If you are in doubt about the meaning or effect of the contents of f ththe iri ksk ratings iinfonformarmatiot n, you shouldseek independent professional advice.
12 out of 20 of our CoConstititutuenent t t FuFundnds s s arare e ee clclasassisifiefieddd asas LLowow FFeeee
Funds^ as per MPFA ddefiefifininn tiionono
202 隻成隻成隻隻 份基份基份 金涵金涵金涵涵蓋不蓋不蓋不同投投投投資範資範資 疇及疇及風險風險風風 選項選項選項20 CCCononsts ititueuentnnt FFundsss cccovoverrining g didiffeffffeffereentn invnvesese tmmmmene t t obobbo jejjecttiviveses
anand dd ririsksk aaaappppetetiti ese
* 旗旗下獲下獲獎基獎基金包金包括中括中國股國股票基票基金、金 環球環球環 債券基金、恒指基金及及北美北股票股票基金基金** AwAwarard-d-wiwinnnniningg fufundnds s ininclclududining g ChC inesese Equiu ty Fund, Global Bondd
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滙豐網上理財或強積金網頁
HSBC OnlineBanking or
MPF website
成員熱線Member Hotline
3128 0128
「香港滙豐流動理財」應用程式
HSBC HK MobileBanking app
滙豐或恒生銀行的自動櫃員機
HSBC or Hang Seng Bank
ATMs
郵寄結單Mail
statements
於指定滙豐分行的強積金專員
MPF specialists in designated
HSBC branches
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查閱最新基金基金基 單位價價單位價格格View latest uniu t ppricesby fund