CIFM China Multi-Assets Fund The Fund s portfolio allocation under normal market circumstances is as follows: Stocks Bonds (including asset-backed sec

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1 PRODUCT KEY FACTS CIFM China Multi-Assets Fund Issuer: China International Fund Management Co., Ltd. April 2018 Quick facts This is a Mainland fund authorized for public offering in Hong Kong pursuant to Mainland-Hong Kong Mutual Recognition of Funds arrangement. This statement provides you with key information about this product. This statement is part of the offering document. You should not invest in this product based on this statement alone. Fund Manager: Custodian: China International Fund Management Co., Ltd. China Construction Bank Corporation Ongoing charges over a year # : Class H: 1.77% Dealing frequency: Base currency: Dividend policy: Financial year end of this fund: Minimum investment: Each Hong Kong Dealing Day i.e. a normal trading day of Shanghai Stock Exchange and Shenzhen Stock Exchange on which banks in Hong Kong are also open for normal banking business RMB Class H: Dividend, if declared, will be paid not more than 12 times in a calendar year at such times at the discretion of the Fund Manager. Distributions may be paid out of accrued net distributable income carried over from the previous financial year(s), which amounts to distributions out of capital under Hong Kong regulatory disclosure requirements. 31 December Class H: RMB100 (minimum initial investment); RMB100 (minimum subsequent investment) # The Ongoing charges figure is based on the expenses for the period from 1 January 2017 to 31 December The figure may vary from year to year. What is this product? CIFM China Multi-Assets Fund (the Fund ) is a fund constituted under the laws of the Mainland China and its home regulator is the China Securities Regulatory Commission. Objectives and Investment Strategy Objectives The Fund aims to create stable returns for investors by seeking stable income from dividends and coupon payments by focusing its investments in a variety of high dividend and/or high coupon rate securities as well as capturing capital growth opportunities with a view to attaining total return. Strategy The investment scope of the Fund includes financial instruments with good liquidity, including stocks which are issued and listed in China, bonds issued by Mainland Chinese issuers, and other financial instruments which are permitted for fund investment by relevant laws and regulations or the CSRC. 1

2 CIFM China Multi-Assets Fund The Fund s portfolio allocation under normal market circumstances is as follows: Stocks Bonds (including asset-backed securities and urban investment bonds) Warrants investment Cash or government bonds with a maturity less than 1 year 20% - 75% of the fund assets 20% - 75% of the fund assets 0% - 3% of the Net Asset Value (NAV) of the Fund not less than 5% of NAV of the Fund Not less than 80% the Fund s non-cash fund assets shall be invested in a variety of securities with high dividend payment and/or high coupon rate. In light of the current stage of development of the stock market in China and the lack of effective hedging instruments, the Fund Manager will retain the discretion to allocate up to 95% of the Fund s investments in bonds and to allocate as little as 0% of the Fund s investments in equities in extreme market conditions. Should the relevant laws or regulator(s) permit other types of financial instruments to be invested in by funds, subject to the Fund Manager completing appropriate procedures, such financial instruments may be including in the Fund s investment scope. The Fund currently only invests in debt securities rated BBB- or above by a Mainland Chinese credit rating agency at the time the investments were made. Where the credit ratings of the relevant debt securities are downgraded to below BBB-, the Fund Manager will, having regard to the interests of the investors, seek to dispose of all such downgraded debt securities in a gradual and orderly manner in light of the then prevailing market conditions. The Fund does not currently intend to engage in securities lending, but provided that the minimum investment requirements for meeting the Fund s investment objectives and strategy and other applicable regulatory requirements are complied with, the Fund may enter into repurchase and reverse repurchase transactions for up to 40% of the Fund s NAV on both the exchange market and in the interbank market. The total extent of leverage of the Fund will not exceed 40% of the Fund s Net Asset Value and will be by way of repurchase transactions only. The Fund will use financial derivative instruments for hedging purposes only. Should this intention change in the future, prior regulatory approval will be sought and at least 1 month s prior notice will be given to investors. For details relating to the investment objectives and strategy of the Fund, please refer to the section headed VIII. Investments of the Fund of the Prospectus. What are the key risks? Investment involves risks and there is no guarantee of the repayment of principal. Please refer to the offering document for details including the risk factors. 1. Investment risk The Fund is an investment fund. There is no guarantee of the repayment of principal. There is also no guarantee of dividend or distribution payments during the period investors hold the Units of the Fund. Further, there is no guarantee that the Fund will be able to achieve its investment objectives and there can be no assurance that the stated strategies can be successfully implemented. Investors may lose entire amount originally invested under extreme circumstances. Asset Allocation. The performance of Fund s asset allocation may deviate from the optimal level of performance due to varying degree of impact from economic cycles, market environment, corporate governance and system structuring, resulting in risks relating to portfolio performance. 2. Risks associated with the MRF arrangement Quota restrictions: The Mainland-Hong Kong Mutual Recognition of Funds (MRF) scheme is subject to an overall quota restriction. Subscription of units in the Fund may be suspended at any time if such quota is used up. Failure to meet eligibility requirements: If the Fund ceases to meet any of the eligibility requirements under the MRF, it may not be allowed to accept new subscriptions. In the worst scenario, the SFC may even withdraw its authorization for the Fund to be publicly offered in Hong Kong for breach of eligibility requirements. There is no assurance that the Fund can satisfy these requirements on a continuous basis. 2

3 CIFM China Multi-Assets Fund Mainland China tax risk: Currently, certain tax concessions and exemptions are available to the Fund and/or its investors under the MRF regime. There is no assurance that such concessions and exemptions or Mainland China tax laws and regulations will not change. Any change to the existing concessions and exemptions as well as the relevant laws and regulations may adversely affect the Fund and/or its investors and they may suffer substantial losses as a result. Different market practices: Market practices in the Mainland and Hong Kong may be different. In addition, operational arrangements of the Fund and other public funds offered in Hong Kong may be different in certain ways. For example, subscriptions or redemption of units of the Fund may only be processed on a day when both Mainland and Hong Kong markets are open, or it may have different cut-off times or dealing day arrangements versus other SFC-authorised funds. Investors should ensure that they understand these differences and their implications. 3. Concentration risk / Mainland China market risk The Fund invests primarily in securities related to the Mainland China market and may be subject to additional concentration risk. Investing in the Mainland China market may give rise to different risks including political, policy, tax, economic, foreign exchange, legal, regulatory and liquidity risks. 4. RMB currency and conversion risks RMB is currently not freely convertible and is subject to exchange controls and restrictions. Non-RMB based investors are exposed to foreign exchange risk and there is no guarantee that the value of RMB against the investors base currencies (for example HKD) will not depreciate. Any depreciation of RMB could adversely affect the value of investor s investment in the Fund. Investors may not receive RMB upon redemption of investments and/or dividend payment or such payment may be delayed due to the exchange controls and restrictions applicable to RMB. The Fund and Class H Units are both denominated in Chinese Yuan (CNY). For investors who need to convert into RMB before subscribing the Class H Units, the exchange rate for the offshore RMB market in Hong Kong (i.e. the CNH exchange rate) may be at a premium or discount to the CNY rate (i.e. the exchange rate for the onshore RMB market in the Mainland China). 5. Mainland China equity risk Market risk: The Fund s investment in equity securities is subject to general market risks, whose value may fluctuate due to various factors, such as changes in investment sentiment, political and economic conditions and issuer-specific factors. Volatility risk: High market volatility and potential settlement difficulties in the Mainland China equity markets may also result in significant fluctuations in the prices of the securities traded on such markets and thereby may adversely affect the value of the Fund. Policy risk: Securities exchanges in Mainland typically have the right to suspend or limit trading in any security traded on the relevant exchange. The government or the regulators may also implement policies that may affect the financial markets. All these may have a negative impact on the Fund. Risk associated with small-capitalisation/mid-capitalisation companies: The stock of small-capitalisation/mid-capitalisation companies may have lower liquidity and their prices are more volatile to adverse economic developments than those of larger capitalisation companies in general. High valuation risk: There is a risk that the stocks listed on the Mainland China stock exchanges may have a higher price-earnings ratio. The high valuation may not be sustainable and stock prices may fall drastically. Liquidity risk: Securities markets in Mainland China may be less liquid than other developed markets. Mainland China equities are subject to the risks of government intervention such as suspension of trading and trading band limits. This may result in the fluctuation in the prices and illiquidity of Mainland China equities. The Fund may suffer substantial losses if it is not able to dispose of its investment in Mainland China equities at a time it desires. 6. Mainland debt securities Volatility and liquidity risks: The Mainland China debt securities markets may be subject to higher volatility and lower liquidity compared to more developed markets. The prices of securities traded in such markets may be subject to fluctuations. Counterparty risk: The Fund is exposed to the credit/default risk of issuers of the debt securities that the Fund may invest in. Interest rate risk: Investment in the Fund is subject to interest rate risk. In general, the prices of debt securities rise when interest rates fall, whilst their prices fall when interest rates rise. 3

4 CIFM China Multi-Assets Fund Downgrading risk: The credit rating of a debt instrument or its issuer may subsequently be downgraded. In the event of such downgrading, the value of the Fund may be adversely affected. The Fund Manager may or may not be able to dispose of the debt instruments that are being downgraded. Credit rating agency risk: The credit appraisal system in Mainland China and the rating methodologies employed in Mainland China may be different from those employed in other markets. Credit ratings given by Mainland China rating agencies may therefore not be directly comparable with those given by other international rating agencies. Risk associated with urban investment bonds: The Fund may invest in urban investment bonds. Urban investment bonds are issued by local government financing vehicles ( LGFVs ), such bonds are typically not guaranteed by local governments or the central government of Mainland China. In the event that the LGFVs default on payment of principal or interest of the urban investment bonds, the Fund could suffer substantial loss and the Net Asset Value of the Fund could be adversely affected. Risk associated with asset-backed securities: The Fund may invest in asset-backed securities (including asset-backed commercial papers) which may be highly illiquid and prone to substantial price volatility. These instruments may be subject to greater credit, liquidity and interest rate risk compared to other debt securities. They are often exposed to extension and prepayment risks and risks that the payment obligations relating to the underlying assets are not met, which may adversely impact the returns of the securities. 7. Distribution out of capital risk The payment of distributions out of accrued net distributable income carried over from the previous financial year(s) amounts to distributions out of capital under Hong Kong regulatory disclosure requirements. Investors should note that the payment of distributions out of capital represents a return or a withdrawal of part of the amount they originally invested or capital gain attributable to that amount. Any distributions involving payment of dividends out of capital of the class will result in an immediate decrease in the NAV per unit of the relevant units. 8. Risks relating to repurchase/reverse repurchase transactions The Fund Manager may enter into repurchase transactions for the account of the Fund. The Fund may suffer substantial loss as there may be delay and difficulties in recovering collateral placed with the counterparty or the cash originally received may be less than the collateral placed with the counterparty due to inaccurate and inadequate valuation of the collateral and market movements upon default of the counterparty. The Fund Manager may also enter into reverse repurchase transactions for the account of the Fund. The collateral placed under the reverse repurchase transactions in the interbank market may not be marked to market. Besides, the Fund may suffer substantial loss when engaging in reverse repurchase transactions as there may be delay and difficulties in recovering the cash placed out or realizing the collateral, or proceeds from the sale of collateral may be less than the cash placed with the counterparty due to inaccurate and inadequate valuation of the collateral and market movements upon default of the counterparty. 4

5 CIFM China Multi-Assets Fund How has the Fund performed? The computation basis of the performance is based on the calendar year end, NAV-To-NAV, with dividend reinvested. These figures show by how much the Class H Units increased or decreased in value during the calendar year being shown. Performance data has been calculated in RMB including ongoing charges and excluding subscription fee and redemption fee you might have to pay. Benchmark: China Securities Dividend Index Yield 45%+ China Bond General Index Yield 55% When no past performance is shown there was insufficient data available in that year to provide performance. Fund launch date: 2006 Class H launch date: 2016 Class H is a class open for investment by Hong Kong retail investors and denominated in the Fund's base currency. Past performance is not indicative of future performance. Investors may not get back the full amount invested. Is there any guarantee? This Fund does not have any guarantees. You may not get back the full amount of money you invest. 5

6 CIFM China Multi-Assets Fund What are the fees and charges? Charges which may be payable by you You may have to pay the following fees when dealing in the units of the Fund. Fees Subscription fee Switching fee Redemption fee What you pay Up to 5% of the total subscription proceeds Not applicable Up to 0.5%; currently 0.13% of the total redemption proceeds Ongoing fees payable by the Fund The following expenses will be paid out of the Fund. They affect you because they reduce the return you get on your investments. Fees Annual rate (as a % of the net asset value of the Fund) Management fee 1.5% Custodian fee 0.25% Performance fee Administration fee Not applicable Not applicable Other fees You may have to pay other fees and charges when dealing in the Fund. Additional Information Units are generally bought and redeemed at the Fund s next-determined NAV after the Hong Kong Representative or authorised distributors receive your request in good order on or before 3 p.m. (Hong Kong time) being the dealing cut-off time. Certain authorised distributors may impose different earlier dealing deadlines for receiving requests from investors. Investors should check with the relevant authorised distributors. Subscription and redemption applications received after such time will be dealt with on the immediately following Hong Kong Dealing Day. There may also be changes to the dealing and cut-off time arrangements as a result of market events. Investors should inquire with the Hong Kong Representative or their authorised distributors for the related dealing and cut-off time arrangements. The NAV of the Fund is calculated and the price of units published each Hong Kong Dealing Day. They are available online at (the website has not been reviewed by the SFC). The composition of the distributions in respect of the Class H Units (i.e. the relative amounts paid out of net distributable income and capital) for the last 12 months are available by the Hong Kong Representative on request and also at (the website has not been reviewed by the SFC). Investors should visit (the website has not been reviewed by the SFC) for the latest notices relating to the Fund. 6

7 Important If you are in doubt, you should seek professional advice. CIFM China Multi-Assets Fund The SFC takes no responsibility for the contents of this statement and makes no representation as to its accuracy or completeness. 7

8 產品資料概要上投摩根雙息平衡混合型證券投資基金發行人 : 上投摩根基金管理有限公司 2018 年 4 月此乃依據中港基金互認安排獲認可在香港公開發售的內地基金本概要為閣下提供有關此產品的重要資料本概要是發售文件的一部分閣下不應單憑本概要而投資於此產品資料便覽基金管理人 : 託管人 : 上投摩根基金管理有限公司中國建設銀行股份有限公司全年經常性開支比率 # : H 股份類別 :1.77% 交易頻次 : 基礎貨幣 : 股息政策 : 本基金的財政年度終結日 : 最低投資額 : 每個香港交易日 - 即上海證券交易所及深圳證券交易所的正常交易日, 而香港銀行亦在該日開門經營正常銀行業務人民幣 H 股份類別 : 股息 ( 如有宣派 ) 將按基金管理人酌情決定的時間於一個曆年支付不多於 12 次從上一個財政年度結轉的累計可分派收入淨額中支付的分派, 相當於根據香港監管披露規定從資本中分派 12 月 31 日 H 股份類別 : 最低首次投資額人民幣 100 元, 最低其後投資額人民幣 100 元 # 全年經常性開支比率的數字是根據由 2017 年 1 月 1 日至 2017 年 12 月 31 日為止期間的費用計算此數字每年均可能有所變動本基金是甚麼產品? 上投摩根雙息平衡混合型證券投資基金 ( 本基金 ) 是根據中國內地法律組成的基金, 而其在成立當地的監管機構為中國證券監督管理委員會目標及投資策略目標本基金重點投資高股息高債息品種, 獲得穩定的股息與債息收入, 同時把握資本利得機會以爭取完全收益, 力求為投資者創造穩定回報策略本基金的投資範圍為具有良好流動性的金融工具, 包括國內依法發行上市的股票中國內地發行人發行的債券及法律法規或中國證監會允許基金投資的其他金融工具 1

9 上投摩根雙息平衡混合型證券投資基金在正常市場情況下, 本基金的投資組合分配如下 : 股票基金資產的 20% - 75% 債券 ( 包括資產支持證券及城投債 ) 基金資產的 20% - 75% 權證投資本基金資產淨值的 0% - 3% 現金或到期日在一年期以內的政府債券不低於本基金資產淨值的 5% 本基金將非現金基金資產的至少 80% 投資於高股息高債息品種考慮到國內股市目前發展現狀, 缺乏有效避險工具, 基金管理人將保留在極端市場情況中債券投資最高比例為 95%, 股票投資最低比例為 0% 的權利如法律法規或監管機構以後允許基金投資的其他品種, 基金管理人在履行適當程序後, 該等金融工具可以納入本基金的投資範圍本基金目前只投資於在作出投資時獲中國內地信貸評級機構給予 BBB- 或以上評級的債務證券如有關債務證券的信貸評級被調低至低於 BBB- 級, 基金管理人將在顧及投資者的利益下, 尋求因應當時市況以逐步有秩序的方式出售所有該等被調低評級的債務證券本基金現時無意訂立證券借貸, 在符合本基金投資目標和策略的最低投資規定及其他適用監管規定的情況下, 本基金可將其資產淨值最多 40% 在交易所市場及銀行間市場訂立回購交易及反向回購交易本基金的總槓桿程度將不超過本基金資產淨值的 40%, 並僅會以回購交易的形式進行本基金將僅為對沖目的而運用金融衍生工具如此意向日後有變, 將會事先尋求監管批准及將給予投資者最少 1 個月的事先通知有關本基金的投資目標及策略, 請參閱招募說明書八基金的投資一節本基金有哪些主要風險? 投資涉及風險, 概不保證本金可獲償付請參閱發售文件, 以了解包括風險因素在內的詳情 1. 投資風險本基金是一項投資基金概不保證本金可獲償還本基金亦不保證於投資者持有本基金的單位期間會支付股息或分派此外, 概不保證本基金將能夠實現其投資目標, 亦概不保證既定策略能夠順利執行在極端情況下, 投資者可能會失去全部原有投資金額資產配置由於經濟周期市場環境公司管治制度建設等因素的不同程度影響, 對資產組合的表現造成風險, 本基金的資產配置可能會偏離理想水平 2. 與基金互認安排相關的風險額度限制 : 中港基金互認 ( 基金互認 ) 計劃受限於整體額度限制如該額度已用盡, 本基金單位的申購可隨時被暫停未能符合資格規定 : 如本基金不再符合基金互認下的任何資格規定, 其可能不得接受新的申購在最壞的情況下, 證監會甚至可因本基金違反資格規定而撤銷本基金在香港作公開發售的認可概不保證本基金可持續符合該等規定 2

10 上投摩根雙息平衡混合型證券投資基金中國內地稅務風險 : 目前, 根據基金互認制度, 本基金及或其投資者可享有若干稅務寬減及豁免概不保證該等寬減及豁免或中國內地稅務法律及法規不會變更現有寬減及豁免以及相關法律及法規的任何變更可能對本基金及或其投資者造成不利影響, 而彼等可能因此蒙受重大損失不同的市場慣例 : 內地與香港的市場慣例可能有所不同此外, 本基金與其他在香港發售的公募基金的運作安排在若干方面可能有所不同例如, 本基金單位的申購或贖回只可於內地與香港市場同時開放的日子才獲處理, 或本基金的截止時間或交易日安排可能與其他證監會認可基金不同投資者應確保其了解此等分別及其影響 3. 集中風險中國內地市場風險本基金主要投資於與中國內地市場有關的證券, 並可能須承受額外的集中風險投資於中國內地市場可能會帶來不同風險, 包括政治政策稅務經濟外匯法律監管及流動性風險 4. 人民幣貨幣及兌換風險人民幣目前不可自由兌換, 並受兌換控制及限制所限人民幣並非基礎貨幣的投資者須承受外匯風險, 以及概不保證人民幣兌投資者的基礎貨幣 ( 例如港元 ) 的價值不會貶值人民幣如有任何貶值, 會對投資者在本基金的投資的價值構成不利影響基於適用於人民幣的兌換管制及限制, 於贖回投資及或支付股息時, 投資者可能不會收到人民幣或該等付款可能受到延誤本基金及 H 類基金單位均以中國元 (CNY) 計值就在申購 H 類基金單位之前需要兌換為人民幣的投資者而言, 香港離岸人民幣市場的匯率 ( 即 CNH 匯率 ) 可能為 CNY 匯率 ( 即中國內地在岸人民幣市場的匯率 ) 的一個溢價或折讓 5. 中國內地股票風險市場風險 : 本基金在股本證券的投資須承受一般市場風險, 該等證券的價值可能基於各種因素 ( 例如 : 投資氣氛政治與經濟狀況的轉變及發行人的特定因素 ) 而波動不定波動性風險 : 中國內地股票市場的高市場波動性及潛在結算困難, 亦可能導致在該等市場買賣的證券價格大幅波動, 因而可能對本基金的價值造成不利影響政策風險 : 內地證券交易所通常有權暫停或限制任何在有關交易所買賣的證券的買賣政府或監管機構亦可實施可能影響金融市場的政策所有此等情況均可能對本基金造成負面影響小型中型公司相關的風險 : 與較大型的公司相比, 一般而言, 小型中型公司股票的流動性可能較低, 而其價格在不利經濟發展情況下亦更為波動不定高估值風險 : 於中國內地證券交易所上市的股票可能有較高市盈率的風險高估值未必能持續及股票價格可能大幅下跌流動性風險 : 與其他已發展市場相比, 中國內地證券市場的流動性可能較低中國內地股票須承受政府干預的風險, 例如暫停買賣及交易波幅限額倘本基金未能於其認為理想時間出售其於中國內地股票的投資, 可能會蒙受重大損失 6. 內地債務證券波動性及流動性風險 : 與發展較發達的市場比較, 中國內地債務證券市場可能受較高波動性及較低流動性影響在該等市場買賣的證券的價格或須承受波動對手方風險 : 本基金須承受本基金可能投資的債務證券發行人的信貸違責風險利率風險 : 投資於本基金須承受利率風險一般而言, 利率下跌時, 債務證券的價格則上升, 而利率上升時, 債務證券的價格則下跌 3

11 上投摩根雙息平衡混合型證券投資基金評級調低風險 : 債務工具或其發行人的信貸評級可能在其後被調低倘若有關評級被調低, 本基金的價值可能受到不利影響基金管理人可能或未必能出售被調低評級的債務工具信貸評級機構風險 : 中國內地的信貸評估制度及在中國內地使用的評級方法, 可能與其他市場所使用者不同因此, 中國內地評級機構所給予的信貸評級, 未必可直接與其他國際評級機構所給予的評級比較與城投債相關的風險 : 本基金可能投資於城投債城投債由地方政府融資平台 ( 地方政府融資平台 ) 發行該等債券通常不獲中國內地的地方政府或中央政府擔保倘若地方政府融資平台拖欠支付城投債的本金或利息, 本基金可能蒙受重大損失及基金資產淨值可能受到不利影響與資產支持證券相關的風險 : 本基金可能投資於非常缺乏流動性及容易出現大幅價格波動的資產支持證券 ( 包括資產支持商業票據 ) 與其他債務證券相比, 該等工具可能承受較大的信貸流動性及利率風險該等工具經常承受延長及提前還款風險, 以及相關資產未能履行付款義務的風險, 因而可能對證券回報產生不利影響 7. 從資本中分派的風險從上一個財政年度結轉的累計可分派收入淨額中支付的分派, 相當於根據香港監管披露規定從資本中分派投資者應注意, 從資本中支付分派, 相當於退還或提取投資者部分原本投資的金額或歸屬於該金額的資本收益涉及從股份類別資本中支付股息的分派將導致有關單位的基金單位淨值即時減少 8. 與回購反向回購交易有關的風險基金管理人可為本基金訂立回購交易本基金可能因對手方違責令收回存放於對手方的抵押品的過程中遭延誤及困難, 或原本收取的現金可能因為抵押品的估值不準確和不足及市場走勢而少於存放於對手方的抵押品, 而蒙受重大損失基金管理人亦可為本基金訂立反向回購交易於銀行間市場進行的反向回購交易存放的抵押品未必按市值計價此外, 本基金進行反向回購交易時可能因於對手方違責後收回所存放現金或變現抵押品的過程中遭受延誤及困難, 或出售抵押品所得款項可能因抵押品的估值不準確和不足及市場走勢而少於存放於對手方的現金, 而蒙受重大損失 4

12 上投摩根雙息平衡混合型證券投資基金本基金的過往表現如何? 業績表現的計算基準以曆年末的資產淨值作比較基礎, 及股息再投資計算該等數字顯示 H 類基金單位價值於有關曆年內的升跌幅度業績表現數據以人民幣計算, 當中包括經常性開支, 但不包括閣下可能須予支付的申購費及贖回費業績比較基準 : 中證紅利指數收益率 45%+ 中債總指數收益率 55% 如年內沒有顯示有關的過往業績表現, 即表示該年內沒有足夠數據用作提供業績表現之用本基金推出日期 :2006 年 H 股份類別推出日期 :2016 年 H 股份類別乃開放予香港零售投資者投資, 以本基金的基礎貨幣計值的股份類別過往表現並非日後表現的指標投資者未必可全數取回所投資的款項本基金有否提供任何保證? 本基金不提供任何保證閣下未必可全數取回所投資的款項 5

13 上投摩根雙息平衡混合型證券投資基金投資本基金涉及哪些費用及收費? 閣下或須繳付的收費閣下買賣本基金單位時可能須要支付以下費用費用閣下須支付申購費最高為總申購款項的 5% 轉換費不適用贖回費最高為總贖回款項的 0.5%; 目前為總贖回款項的 0.13% 本基金須持續繳付的費用以下收費將從本基金支付閣下的投資回報可能會因而減少費用每年收費率 ( 佔本基金資產淨值的百分比 ) 管理費 1.5% 託管費 0.25% 表現費行政費不適用不適用其他費用閣下買賣本基金時可能需要支付其他費用及收費其他資料香港代表或認可分銷商於下午 3 時正 ( 香港時間 )( 即交易截止時間 ) 或之前收妥閣下的指示後, 單位一般可按本基金隨後釐定的資產淨值購買及贖回若干認可分銷商可就從投資者接收的指示實施較早的交易截止時間投資者應向相關認可分銷商查詢於該時間後收到的申購及贖回申請, 將於緊隨的下一個香港交易日處理由於市場事件的原因, 交易及截止時間安排也可能有所變化投資者應向香港代表或其認可分銷商查詢相關交易和截止時間的安排本基金的資產淨值及單位價格於每個香港交易日計算及刊登, 並可於網站網站並未經證監會審閱 ) 查閱香港代表會應要求提供 H 類基金單位最近 12 個月的分派組成成分 ( 即從可分派收入淨額及資本支付的相對金額 ), 有關資料亦在網站網站並未經證監會審閱 ) 提供投資者應在網站並未經證監會審閱 ) 瀏覽有關本基金的最新通知 6

14 重要提示閣下如有疑問, 應諮詢專業意見證監會對本概要的內容並不承擔任何責任, 對其準確性或完整性亦不作任何陳述上投摩根雙息平衡混合型證券投資基金 7

50% 10% BB+Ba1 i. 70% ii. iii. 30% 10% 2

2013 3 2013 9 30 6 30 A 10,00010,000 B1,000 1,000 C10,000 10,000 1 50% 10% BB+Ba1 i. 70% ii. iii. 30% 10% 2 (i) (ii) CNH CNH CNY 3 4 A5.25% B 5.25% C 5.25% A5.25% B 5.25% C 5.25% A * B* C* A 1.25%* B1.25%*