HSBC MPF Overview - A4 Leafleat拷貝

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HSBC MPF Overview Empowering you for a bright future Professional employer support Comprehensive e-services e-enrolment e-submission of remittance statement Integrated HR software HSBC Business

account in one mobile app OneHSBC MPF balance is included in Total Relationship Balance, bringing you closer to become our HSBC Premier or HSBC One customer WeChat virtual assistant, answer your

1 HSBC MPF Overview Empowering you for a bright future Professional employer support Comprehensive e-services e-enrolment e-submission of remittance statement Integrated HR software HSBC Business Online Banking e-notification Multiple touch points, including virtual assistant in WeChat All-round member support Hassle-free account management Single logon for Online Banking Manage MPF and bank account in one mobile app OneHSBC MPF balance is included in Total Relationship Balance, bringing you closer to become our HSBC Premier or HSBC One customer WeChat virtual assistant, answer your enquiries 24/7 Professional team helping employers & employees manage MPF accounts HSBC MPF Employer Hotline Talk to our MPF specialists or designated account manager Excellent administration service team, your instruction handled in a highly efficient and effective way HSBC MPF Member Hotline Your questions answered by our professional & knowledgeable MPF specialists Easy-to-use MPF Tools HSBC Retirement Monitor HSBC Retirement Planner MPF Academy Keep updated with various MPF publications and informative briefings Roadshows and seminars providing updated information to members

Important notes 65 4 3.4.3(f) 65 60 6.7(c) The HSBC Mandatory Provident Fund SuperTrust Plus is a mandatory provident fund scheme.

You should note that the DIS Constituent Funds, namely, the Core Accumulation Fund and the Age 65 Plus Fund, the DIS or a certain Constituent Fund may not be suitable for you.

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

2 Important notes (f) (c) 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 a certain 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 account your circumstances. You should note that the implementation of the DIS may have an impact on your MPF investments and accrued benefits. We recommend that you consult with the Trustee if you have doubts on how you are being affected. The Guaranteed Fund invests solely in an approved pooled investment fund ( APIF ) in the form of an insurance policy provided by HSBC Life (International) Limited. The guarantee is also given by HSBC Life (International) Limited. Your investments in the Guaranteed Fund, if any, are therefore subject to the credit risks of HSBC Life (International) Limited. Please refer to section 4 Risks of the MPF Scheme Brochure for details of the credit risk. The guarantee in the Guaranteed Fund only applies under certain conditions. Please refer to subsection 3.4.3(f) Guarantee features of the MPF Scheme Brochure for details of the guarantee features (including in the context of payment of accrued benefits in instalments) and the Guarantee Conditions. MPF Benefits, AVC Benefits and TVC Benefits are payable on a Member s 65th birthday or on early retirement on or after reaching age 60. The accrued benefits can be paid in one lump sum or in instalments, at the Member s election. The accrued benefits can be paid in such form and on such terms and conditions as the Trustee may, to the extent not prohibited by the MPF Ordinance or General Regulation, 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, and any income from such financial instruments, may go down as well as up. For further details including the product features and risks involved, please refer to the MPF Scheme Brochure. Important if you are in doubt about the meaning or effect of the contents of the MPF Scheme Brochure, you should seek independent professional advice. Issued by The Hongkong and Shanghai Banking Corporation Limited

多元化成分基金切合你退休所需 Comprehensive Constituent Funds to suit your retirement needs 滙豐強積金智選計劃提供20項主動式及被動式管理的成分基金多元化的成分基金切合你的退休需要我們亦提供預設投資策略作投資選擇這是一項預先制訂的投資安排會因應成員的年齡增長而減低投資於資產但此自動降低風險的特點並不適用於選擇核心

Funds to suit your retirement needs. The Default Investment Strategy (DIS) is also included as an investment choice.

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.

3 多元化成分基金切合你退休所需 Comprehensive Constituent Funds to suit your retirement needs 滙豐強積金智選計劃提供20項主動式及被動式管理的成分基金多元化的成分基金切合你的退休需要我們亦提供預設投資策略作投資選擇這是一項預先制訂的投資安排會因應成員的年齡增長而減低投資於資產但此自動降低風險的特點並不適用於選擇核心累積基金及65歲後基金為獨立投資選擇你可以參閱強積金計劃說明書以了解各項成分基金或預設投資策略的詳情 HSBC Mandatory Provident Fund - SuperTrust Plus comprises a total of 20 Constituent Funds, including actively and passively managed 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 age, such 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. 典型資產分配1 Typical asset allocation1 成分基金名稱 Name of Constituent Funds 股票 Equities 債券 Bonds # 現金 Cash 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 貨幣市場基金 Money market fund 強積金保守基金 4 MPF Conservative Fund 4 100% 低風險 Low risk 0.75% 債券基金 Bond fund 環球債券基金 Global Bond Fund 低至中度風險 Low to medium risk 0-50% % 0-80% 低風險 Low risk 1.275% 保證基金 Guaranteed fund 保證基金 5,7,8 Guaranteed Fund 5,7,8 混合資產基金 Mixed assets fund 6 5 歲後基金 Age 65 Plus Fund 15-25% 75-85% 低風險 Low risk 0.75% 核心累積基金 Core Accumulation Fund 55-65% 35-45% 中度風險 Medium risk 0.75% 平穩基金 Stable Fund 15-45% 55-85% 低至中度風險 Low to medium risk 1.25% 均衡基金 Balanced Fund 55-85% 15-45% 中度風險 Medium risk 1.35% 增長基金 Growth Fund 自選均衡基金 ValueChoice Balanced Fund 55-85% 15-45% 中度風險 Medium risk 環球股票基金 Global Equity Fund 北美股票基金 North American Equity Fund 1.30% 歐洲股票基金 European Equity Fund 1.30% 股票基金 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 Equity Fund 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 最高 Up to 0.755% 最高 Up to 恒指基金 Hang Seng Index Tracking Fund 恒生中國企業指數基金 Hang Seng China Enterprises Index Tracking Fund 100% 100%

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.

The risk ratings for the Age 65 Plus Fund and the Core Accumulation Fund are derived based on the available historical data of the underlying indices of the industry recognised reference portfolio of

The following provides a general description of the risk rating categorisation.

Expected to demonstrate minimal price fluctuations over short periods of time.

Expected to demonstrate moderately low level of price fluctuations over short periods of time.

Expected to demonstrate moderate level of price fluctuations over short periods of time.

4 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. The risk rating is derived based on a combination of quantitative and qualitative risk factors including price volatility, asset allocation and liquidity. The risk ratings for the Age 65 Plus Fund and the Core Accumulation Fund are derived based on the available historical data of the underlying indices of the industry recognised reference portfolio of the Age 65 Plus Fund and the Core Accumulation Fund respectively while the same risking rating mechanism as all other Constituent Funds has been applied. The following provides a general description of the risk rating categorisation. 1 = Low Risk Minimal chance of losing a significant portion of your capital over the term of the investment (although this is not guaranteed). Expected to demonstrate minimal price fluctuations over short periods of time. 2 = Low to Medium Risk Low chance of losing a significant portion of your capital over the term of the investment (although this is not guaranteed). Expected to demonstrate moderately low level of price fluctuations over short periods of time. 3 = Medium Risk Moderate chance of losing a significant portion of your capital over the term ofthe investment (although this is not guaranteed). Expected to demonstrate moderate level of price fluctuations over short periods of time. 4 = Medium to High Risk Moderately high chance of losing a significant portion of your capital over the term of the investment. Expected to demonstrate moderately high level of price fluctuations over short periods of time. 5 = High Risk High chance of losing a significant portion of your capital over the term of the investment. Expected to demonstrate high level of price fluctuations over short periods of time. The risk ratings are based on data up to 8 August The risk ratings are provided by HSBC Group Management Services Limited. The risk ratings are provided for reference only, normally reviewed at least annually and may be subject to change from time to time without any notice. The risk ratings or any changes will be made available in the Fund Fact Sheet, HSBC MPF website, HSBC HK Mobile Banking app and Monthly Fund Performance Summary. The risk ratings information provided should not be regarded as investment advice. You should not rely on the risk ratings when making any investment choices for your MPF account(s). The Hongkong and Shanghai Banking Corporation Limited, HSBC Life (International) Limited, HSBC Group Management Services Limited and any member of the HSBC Group are not responsible 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 the risk ratings information, you should seek independent professional advice. Getting in touch with us HSBC MPF Employer Hotline HSBC MPF Website HSBC HK Mobile Banking app HSBC MPF Member Hotline Talk to our MPF specialists in HSBC designated branches Search WeChat ID HSBC MPF Virtual assistant Emma to answer general enquiry

MPF Focus Competitive management fee 12 out of 20 of our Constituent Funds are classified as Low Fee Funds^ as per MPFA definition Comprehensive fund choice 20 Constituent Funds covering different

Equity Fund Multiple service channels Real-time access to MPF information and services through multiple service channels According to MPFA s website as at 31 May 2020, low fee funds are funds with a

The awards were based on BENCHMARK s assessment criteria. For the awardees, assessment criteria/methodology, please refer to benchmark.

5 MPF Focus Competitive management fee 12 out of 20 of our Constituent Funds are classified as Low Fee Funds^ as per MPFA definition Comprehensive fund choice 20 Constituent Funds covering different investment objectives and risk appetites Outstanding investment performance Award-winning funds including Chinese Equity Fund, Global Bond Fund, Hang Seng Index Tracking Fund and North American Equity Fund Multiple service channels Real-time access to MPF information and services through multiple service channels According to MPFA s website as at 31 May 2020, low fee funds are funds with a Fund Expense Ratio (FER) 1.3% or current management fees 1%. benchmark.exchange/hk/asset-management/result-announcement-2019 BENCHMARK Fund of the Year Awards The awards were based on BENCHMARK s assessment criteria. For the awardees, assessment criteria/methodology, please refer to benchmark.exchange/hk/asset-management/result-announcement-2019 There are more ways to manage your account and get information with ease Employer Submit contribution Check MPF account details Get information on administrative issues, forms or MPF update Through designated electronic channels, including HSBC Online Banking encrypted channel, HR software and customised file interface You can submit remittance statements (and other MPF forms) to the MP F drop-in box in designated branches HSBC MPF Employer Hotline Check with the MPF specialists in designated HSBC branches MPF website HSBC MPF WeChat Official account HSBC MPF Employer Hotline Check with the MPF specialists in designated HSBC branches

成員 Member 滙豐網上理財或強積金網頁 HSBC Online Banking 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 Mobile Banking app 查閱賬戶及基金結餘 Check account and

Latest contributions only) 查閱最近供款及交易紀錄 Check latest contribution and transactions 更改網上理財密碼個人資料或強積金電話密碼 Change Online Banking password, personal details or MPF

service (set up or consolidate MPF account(s), make voluntary contributions etc.

contribution For portfolio rebalance, redirection only) asset switch, contribution redirection and switch into DIS only) (只限更改網上理財密碼或個人資料 Change Online Banking

6 成員 Member 滙豐網上理財或強積金網頁 HSBC Online Banking or MPF website 成員熱線 Member Hotline 香港滙豐流動理財應用程式 HSBC HK Mobile Banking app 查閱賬戶及基金結餘 Check account and fund balance 查閱最新基金單位價格 View latest unit prices by fund 查閱基金資料 View fund information ( 只限賬戶結餘 Account balance only) ( 只限賬戶結餘 Account balance only) (只限最近供款紀錄 Latest contributions only) 查閱最近供款及交易紀錄 Check latest contribution and transactions 更改網上理財密碼個人資料或強積金電話密碼 Change Online Banking password, personal details or MPF phone PIN 郵寄結單 Mail statements (持有強積金賬戶及銀行戶口的成員可作賬戶整合 Account consolidation for existing MPF customers with bank accounts) 賬戶服務開立或整合強積金賬戶作出自願性供款等 Account service (set up or consolidate MPF account(s), make voluntary contributions etc.) 更改投資分布 Switch Constituent Funds 滙豐或恒生銀行的自動櫃員機 HSBC or Hang Seng Bank ATMs (只限重組投資組合 (只限重組投資組合資及重新分配新供款產調配重新分配新供款及轉入預設投資策略 For portfolio rebalance and contribution For portfolio rebalance, redirection only) asset switch, contribution redirection and switch into DIS only) (只限更改網上理財密碼或個人資料 Change Online Banking password or personal details) (只限更改強積金電話密碼 Change MPF phone PIN only) (只限重組投資組合資產調配重新分配新供款及轉入預設投資策略 For portfolio rebalance, asset switch, contribution redirection and switch into DIS only) 於指定滙豐分行的強積金專員 MPF specialists in designated HSBC branches

7 (f) > > % 1 Typical asset allocation is an indicative reference only and the long-term allocation of the fund may change depending on market conditions. 2 Preferential rate on the management fee may be applied to certain Members. Such preferential rate will be effected by way of special bonus units credited to the Member s employer and/or member s contribution related sub-accounts on a monthly basis. The special bonus units form part of the account balance and are subject to relevant fees and charges applicable to the HSBC Mandatory Provident Fund - SuperTrust Plus. If a Member terminates the Member s account or transfers all assets out before the special bonus units are being credited for a particular month, no special bonus units will be granted for that month. The Trustee may offer other rebate/incentive arrangement to certain Participating Employers and/or Members. 3 Management fees include fees paid to the Trustee, Custodian, Administrator, Investment Manager (including fees based on fund performance, if any), Investment Agent and Sponsor for providing their services to the relevant Constituent Fund. They are usually charged as a percentage of the NAV of the relevant Constituent Fund. In the case of each of the Core Accumulation Fund and the Age 65 Plus Fund, management fees payable to the parties named above (excluding the Custodian), or their delegates, can only (subject to certain exceptions in the MPF Ordinance) be charged as a percentage of the NAV of the Constituent Fund. These management fees are also subject to a statutory daily limit equivalent to 0.75 per cent per annum of the NAV of the Constituent Fund which applies across both the Constituent Fund and underlying APIF(s) and ITCIS(s). The management fees of all Constituent Funds are deducted from the asset of the fund. Other applicable fees, charges and expenses include but not limited to joining fee, annual fee, contribution charge, offer spread, bid spread, withdrawal charge and other expenses. For further details, please refer to the MPF Scheme Brochure. 4 Fees and charges of a MPF Conservative Fund can be deducted from either: (i) the assets of the MPF Conservative Fund; or (ii) Members account by way of unit deduction. The MPF Conservative Fund under the HSBC MPF - SuperTrust Plus uses method (i) and therefore, its unit prices, NAV and fund performance quoted have reflected the impact of fees and charges. Under section 37 of the Mandatory Provident Fund Schemes (General) Regulation, fees and charges of an MPF Conservative Fund may only be deducted in the following circumstances: (a) if the amount of income derived from the investment of funds of an MPF Conservative Fund in a particular month exceeds the amount of interest that would be earned if those funds had been placed on deposit in a Hong Kong dollar savings account at the prescribed savings rate (as published on the MPFA s website an amount not exceeding the excess may be deducted from an MPF Conservative Fund for that month; or (b) if for a particular month no amount is deducted under (a) or the amount that is deducted is less than the actual fees and charges for the month, the deficiency may be deducted from the amount of any excess that may remain in any of the following 12 months after deducting the fees and charges applicable to that following month. 5 The Guaranteed Fund invests solely in APIF in the form of an insurance policy provided by HSBC Life (International) Limited. The guarantee is also given by HSBC Life (International) Limited. Your investments in the Guaranteed Fund, if any, are therefore subject to the credit risks of HSBC Life (International) Limited. The guarantee in the Guaranteed Fund only applies under certain conditions. Please refer to subsection 3.4.3(f) Guarantee features of the MPF Scheme Brochure for details of the guarantee features (including in the context of payment of accrued benefits in instalments) and the `Guarantee Conditions. Guarantee Conditions; > the transfer of balances in respect of a Member from the Guaranteed Fund to a recipient scheme (including the existing scheme) on termination of employment 6 ; or > withdrawals of balances by a Member from the Guaranteed Fund arising as a result of a payment made under the HSBC MPF - SuperTrust Plus with respect to one of the following: termination of employment 6 ; reaching retirement age or normal retirement date; death; reaching early retirement date; total incapacity; terminal illness; permanent departure from Hong Kong; making a claim on small balance under section 162(1)(c) of the Mandatory Provident Fund Schemes (General) Regulation. 6 This condition does not apply to balances in a personal account or a TVC account invested in the Guaranteed Fund. However, the other Guarantee Conditions will still be applicable to the accrued benefits held in the personal account or TVC account. 7 The account balance of a Member in the Guaranteed Fund will be crystallised (the Crystallised Amount ) on 31 December in the year in which the Member reaches age 65. The Crystallised Amount will be the greater of the Actual Balance and the Guaranteed Balance to which the Member would be entitled had the Member withdrawn the accrued benefits from the Guaranteed Fund on 31 December in that year on the ground of reaching retirement age or normal retirement date. This is calculated in accordance with the MPF Scheme Brochure (the 31 December Amount ). However, where the 31 December Amount is less than the amount of accrued benefits as at the Member s 65th birthday calculated in accordance with the MPF Scheme Brochure (the 65th Birthday Amount ), the 65th Birthday Amount will be deemed to be the Crystallised Amount. Where the Member switches or withdraws part of the investment out of the Guaranteed Fund between the Member s 65th birthday and 31 December in that year, the Crystallised Amount will be the higher of the 31 December Amount and the pro-rated 65th Birthday Amount calculated in the following manner: (X/Y) times Z where: X: the number of units held in the Guaranteed Fund in respect of the Member ( GF Units ) as at 31 December in the relevant year Y: the number of GF Units as at 65th birthday of the Member Z: the greater of the Guaranteed Balance and the Actual Balance as at 65th birthday of the Member The Crystallised Amount will then become the Actual Balance from 1 January in the following year. No further Guarantee will apply to the Crystallised Amount and any new contributions or transfer-in assets that are to invest in the Guaranteed Fund thereafter (the Relevant Amount ). However, while all fees and charges including the Guarantee charge will continue to apply to the Relevant Amount, the Guarantee charge will be rebated to the Member on a monthly basis in arrears, calculated by using the daily NAV in that month. Please refer to subsection 3.4.3(f) Guarantee features of the MPF Scheme Brochure for details. 8 The percentage does not include the guarantee charge of 0.75% pa of NAV. HSBC Provident Fund Trustee (Hong Kong) Limited It is important that you read this publication in conjunction with the accompanying MPF Scheme Brochure which contains more detailed information about HSBC Mandatory Provident Fund SuperTrust Plus including information on the fund structure, risk involved, fee table and of our ability to alter these fees and charges in the future. The information contained in this publication is for reference only and the provisions of the Mandatory Provident Fund Schemes Ordinance, other applicable legislation/regulations and guidelines or announcements published by the Mandatory Provident Fund Schemes Authority shall prevail. Additional voluntary contributions, Flexi-Contributions and Tax Deductible Voluntary Contributions are accepted at the discretion of the Trustee. The Trustee reserves the absolute right not to accept any additional voluntary contributions, Flexi-Contributions and Tax Deductible Voluntary Contributions at any time. HSBC Provident Fund Trustee (Hong Kong) Limited accepts responsibility for the accuracy of the information contained in this publication only at the date of publication. L-MPF054 v09/0421

1111hsb02_MPF BS Link Dec_1221_1536

1111hsb02_MPF BS Link Dec_1221_1536 12 Dec 2011 為僱員登記參加強積金計劃並準時供款 Enrol employees in your MPF scheme and make contributions on time 最低有關入息水平修訂由 2011 年 11 月 1 日起生效, 請為僱員作準確無誤的強制性供款 Make correct and accurate mandatory contributions for your