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Fund Choice
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Investment involves risks and not all investment choices available under Bank of Communications Hong Kong General Provident Fund - Part B (“the GPF”) would be suitable for everyone. There is no assurance on investment returns and your investments / accrued benefits may suffer significant loss.
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The BCOM Guaranteed Fund in the GPF is a capital and return guaranteed fund. Where participation to this fund is less than 36 months, the repayment of capital and return on investment are not guaranteed and the withdrawal values are fully exposed to fluctuations in the value of the fund’s asset. The Bank of Communications Co. Ltd., Hong Kong Branch is the guarantor to this fund. Your investments are therefore subject to the credit risks of the guarantor. Please refer to section D(v) of the Principal Brochure of the GPF for details of the guarantee features and guarantee conditions.
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You should consider your own risk tolerance level and financial circumstances before making any investment choices. When, in your selection of funds, you are in doubt as to whether a certain fund is suitable for your (including whether it is consistent with your investment objectives), you should seek financial and / or professional advice and choose the fund(s) most suitable for you taking into account your circumstances.
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Please do not solely rely on this website. For further details including the product features, charges and risks involved, please refer to the Principal Brochure of the GPF.
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Bank of Communications Hong Kong General Provident Fund - Part B provides a series of funds with different investment objectives for your appropriate selection.
Bank of Communications Hong Kong General Provident Fund - Part B
The investment objective of the Fund is to obtain a return that is higher than the prescribed savings rate.
Feature
- Risk of loss: Relatively low
- Investment Manager: BCOM Finance (Hong Kong) Limited
- Guarantor:The Bank of Communications Co. Ltd., Hong Kong Branch is the guarantor to this fund. Your investments are therefore subject to the credit risks of the guarantor
- Guaranteed Rate of Return: The Guaranteed Rate of Return will be declared by the Guarantor on each Accounting Date of a financial year of the Fund, but will never be less than 0%. The Guaranteed Rate of Return will apply backwards in respect of the financial year in which the relevant Accounting Date falls.
- Withdrawal Value: (i) Withdrawal before 36 months' continuous investment - In respect of each Member Fund Account which has been maintained continuously for less than 36 months, the withdrawal value on any Valuation Date shall be the value as shown by multiplying the redemption price by the number of units outstanding in the Member Fund Account; (ii) Withdrawal after having 36 months' continuous investment - In respect of a Member Fund Account which has been maintained continuously for 36 months or more, the withdrawal value on any Valuation Date shall be the greater of:
- the aggregate lump sum value as shown by multiplying the redemption price by the number of units outstanding in the Member Fund Account, and
- the Guaranteed Account Balance held in the Guaranteed Account
Asset Allocation
- Equities: 20% -30%
- Cash & Deposits and debt securities: 50% - 80%
Geographic Allocation
Source: BCOM Finance (Hong Kong) Limited
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The investment objective is to provide a convenient and easily realizable medium of investment for investors who require an income stream combined with a high degree of capital protection by investing in HK dollar denominated bank deposits and other high quality HK dollar denominated fixed interest and other monetary instruments.
Feature
- Risk of loss: Relatively Low
- Invested in an underlying fund managed by RCM Asia Pacific Limited
Asset Allocation
- Cash and Fixed Deposits: 100%
Source: RCM Asia Pacific Limited
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The Fund aims to achieve a high level of overall return over the long term by investing in a diversified portfolio of global equities and fixed-interest securities.
Feature
- Risk of loss: Low
- Invested in an underlying fund managed by RCM Asia Pacific Limited
- The equity portion of the Fund will be invested primarily in the Hong Kong, Japan, North American and European markets with a smaller proportion, being invested, at the discretion of the Manager, in other Asian countries and emerging markets
Asset Allocation
- Equities: 70%
- Fixed-interest securities: 30%
Source: RCM Asia Pacific Limited
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The Fund aims to maximize long term overall returns by investing primarily in global equities.
Feature
- Risk of loss: High
- Invested in an underlying fund managed by RCM Asia Pacific Limited
- The Fund may invest in the countries comprised in the MSCI World Index which covers all the major world stock markets including those in Japan, North America, Asia and Europe
Asset Allocation
- Equities: 90%
- Cash & Fixed Income: 10%
Source: RCM Asia Pacific Limited
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The Fund is to achieve capital growth over the long-term by investing mainly in Hong Kong equities, including Chinese securities listed in Hong Kong.
Feature
- Risk of loss: High
- Invested in an underlying fund managed by RCM Asia Pacific Limited
Asset Allocation
Source: RCM Asia Pacific Limited
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Note: The above fund choice is only applicable to Part B of Bank of Communications Hong Kong General Provident Fund. For details, please feel free to contact us.
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