宏利環球精選 ( 強積金 ) 計劃 銷售文件 MPF GS OFF/DOC (04/2017) 宏利公積金信託有限公司 香港九龍觀塘偉業街二二三至二三一號宏利金融中心二十二樓 2017 年 4 月 1 日
宏利環球精選 ( 強積金 ) 計劃 (MANULIFE GLOBAL SELECT (MPF) SCHEME) 銷售文件 重要事項 : MPF MPF 6.2.26.2.3 簡介 (Manulife Provident Funds Trust Company Limited) (Manulife Global Select (MPF) Scheme) # (Manulife (International) Limited) 1936 ISO 9001 { } ( ) * 1981 100 80 The Vanguard Group, Inc. The Vanguard Group, Inc. Vanguard Investments Australia Ltd Vanguard Investments Australia Ltd The Vanguard Group, Inc. # * The Manufacturers Life Insurance Company 目錄 1. 2 2. 3 3. 3 3.1 3 3.1A 5 3.2 15 3.3 19 3.4 19 3.5 19 4. 19 4.1 19 4.2 20 4.3 20 4.3A 20 4.4 21 4.5 22 4.5A 22 4.6 22 4.7 23 4.7A 23 4.8 23 4.9 23 4.9A 24 4.10 24 4.11 24 4.12 24 5. 25 5.1 25 5.2 25 5.3 25 5.4 25 6. 25 6.1 25 6.2 26 1
6.3 27 6.4 28 7. 28 7.1 28 7.2 33 7.3 33 8. 33 8.1 33 8.2 33 8.2A 33 8.3 34 8.4 34 8.5 34 8.6 34 8.7 34 A 34 B 35 C 36 1. ( ) MPF MPF MPF MPF ( ) 3.1 3.1A (i) (ii) (iii) (iv) (v) (vi) (vii) (viii) (ix) (x) (xi) MPF (Manulife MPF Interest Fund) () MPF (Manulife MPF Stable Fund) () MPF (Manulife MPF Growth Fund) () MPF (Manulife MPF Aggressive Fund) () MPF (Manulife MPF Conservative Fund) () MPF (Manulife MPF Hong Kong Equity Fund) () MPF (Manulife MPF International Equity Fund) () MPF (Manulife MPF Pacific Asia Equity Fund) () MPF (Manulife MPF European Equity Fund) () MPF (Manulife MPF North American Equity Fund) () MPF (Manulife MPF Japan Equity Fund) () (xii) MPF (Manulife MPF Hong Kong Bond Fund) () (xiii) MPFManulife MPF RMB Bond Fund) ( ) (xiv) MPF (Manulife MPF Pacific Asia Bond Fund) () (xv) MPF (Manulife MPF International Bond Fund) () (xvi) MPF (Manulife MPF China Value Fund) () (xvii) MPF (Manulife MPF Healthcare Fund) () (xviii) MPF (Manulife MPF Hang Seng Index Tracking Fund) () (xix) MPF (Manulife MPF Fidelity Growth Fund) () (xx) MPF (Manulife MPF Fidelity Stable Growth Fund) () (xxi) MPF (Manulife MPF Core Accumulation Fund) () (xxii) MPF 65 (Manulife MPF Age 65 Plus Fund) ( 65 ) (xxiii) MPF (Manulife MPF Smart Retirement Fund) ( ) (xxiv) MPF 2020 (Manulife MPF 2020 Retirement Fund) ( 2020 ) (xxv) MPF 2025 (Manulife MPF 2025 Retirement Fund) ( 2025 ) (xxvi) MPF 2030 (Manulife MPF 2030 Retirement Fund) ( 2030 ) (xxvii) MPF 2035 (Manulife MPF 2035 Retirement Fund) ( 2035 ) (xxviii) MPF 2040 (Manulife MPF 2040 Retirement Fund) ( 2040 ) (xxix) MPF 2045 (Manulife MPF 2045 Retirement Fund) ( 2045 ) (xxiii) (xxix) (v) MPF (xviii) MPF 1 6A (i)(iv) (vi)(xvii) (xxiii) (xxix) (ii)(iv) (vii) (xxiii)(xxix) (xix)(xx) (xxi)(xxii) 2
( ) MPF MPF MPF MPF MPF MPF MPF MPF MPF MPF MPF MPF MPF MPF MPF MPF MPF MPF MPF MPF MPF MPF 65 MPF MPF2020 MPF2025 MPF2030 MPF2035 MPF2040 MPF2045 ( ) 65 2020 2025 2030 2035 2040 2045 2000 12 1 3 31 3 7 3.2 2. 21081234/ 21081388 21043504 www.manulife.com.hk 3. 3.1 3.1.1 65 65 60% + 37% + 3% 65 20%
+ 77% + 3% www.hkifa.com.hk 2017 4 1 3.1.1 MPF MPF 6565 60% 40% 65 20% 80% 651 50 64 3.2 1 40% 60% 80% 20% 65 2 65 3.1.2 2 29 3 1 6.3 www.manulife.com.hk 50 60 5 65 50 50 64 2 65 64 65 65 2 65 65 50 50-64 64 4
2 65 50 100.0% 0.0% 50 93.3% 6.7% 51 86.7% 13.3% 52 80.0% 20.0% 53 73.3% 26.7% 54 66.7% 33.3% 55 60.0% 40.0% 56 53.3% 46.7% 57 46.7% 53.3% 58 40.0% 60.0% 59 33.3% 66.7% 60 26.7% 73.3% 61 20.0% 80.0% 62 13.3% 86.7% 63 6.7% 93.3% 64 0.0% 100.0% 65 65 65 3.1A (xxi) (xxii) 4.4 4.5 4.5A 6.3 3.1A (i) MPF () 6.2.3 70% 30% smoothing provision 6.2.3 37(8) (ii) MPF (iii) (iv) 6.2.2 40% 6.2.2 provision for guarantee MPF 50% 90% MPF 5
30% (v) MPF ## 37 1 1 16 ## (i) (ii) MPF(i) / / (vi) MPF 30% 10% (vii) MPF 6 1 16 30% (viii) MPF 1 16 30% (ix) MPF 1 16 30%
(x) MPF 1 16 30% (xi) MPF 1 16 30% (xii) MPF 70% 30% (xiii) MPF ( ) 70% 30% / 1 16 30% 70%-100% 0%-30% 70%-100% 0%-30% QFII (xiv) MPF 7
1 16 30% (xv) MPF 1 16 30% (xvi) MPF 1 16 30% (xvii) MPF 1 16 30% (xviii) MPF 2015 950 56.8% ( ) 700 10.19% 5 9.78% 941 8.20% 1299 7.01% 939 6.30% 1398 4.78% 1 3.94% 3988 3.85% 388 2.92% 2318 () 2.91% 8
9 i ii iii i / ii iii iv / / / (i) (ii) (iii) (iv) www.hsi.com.hk (xix) MPF () () () (xx) MPF () () 50% 45% 5% ()
10 (xxi) MPF sampling techniques (i) (ii) (i) (ii) (iii) (iv) 6 (v) (vi) MPF 60% 55% 65% 1 16 30% 60% (i)
(ii) (iii) 3.2 (xxii) MPF 65 65 65 65 65 65 sampling techniques 65 65 65 65 (i) 65 (ii) 65 (i) (ii) 65 11 (iii) 65 65 (iv) 665 (v) 65 65 (vi) 6565 MPF 65 65 6520% 15% 25% 65 65 1 16 30% 65 65 80% 65 65 6565 65 65
12 65 65 65 65 (i) 65 65 (ii) 65 65 (iii) 65 65 65 65 65 65 3.2 (xxiii) MPF 40% 60% 1 16 (xxiv) MPF2020 2020 2020 2020 2020 2020 2020 2020 65% 85% 2020 2020 1 16 2020 (xxv) MPF2025 2025 2025 2025 2025 2025
13 2025 2025 75% 95% 2025 2025 1 16 2025 (xxvi) MPF2030 2030 2030 2030 2030 2030 2030 2030 75% 95% 2030 2030 1 16 2030 (xxvii) MPF2035 2035 2035 2035 2035 2035 2035 2035 80% 100% 2035 2035 1 16 2035 (xxviii) MPF2040 2040 2040 2040 2040 2040
14 2040 2040 80% 100% 2040 2040 1 16 2040 (xxix) MPF2045 2045 2045 2045 2045 2045 2045 2045 80% 100% 2045 2045 1 16 2045 MPF
15 (i) (ii) (i) 4.7A 4.8 (ii) 4.9 4.10 4.8 MPF MPF 1 / / (i) (ii) (iii) (iv) (i) / (ii) 3.2
16 A 10% A A A A A
17
18 HKFRS HKFRS 1 1 10% 1 CNH CNH CNY i) 3.1.1 ii)
+5% 5% iii) 15 iv) v) (a) (b) 3.2 65 64 64 65 20% 64 2016 1 1 3.3 V 1 3.4 () 3.5 65 1 4. 4.1 ** 2000 12 1 7AC 4.11.1 19
/ ** 4.2 4.2.1 2 7A 3 2 2 7A 21081234 /21081388 7AA 7 7AA 4.2.2 7C 21081388 4.2.3 19B 4.3 4.3.1 4.3.2 (a) HK$5,000 (b) HK$5,000 4.3A 20
21 HK$500 HK$10,000 HK$5,000 4.4 4.3A 4.4.1 5% 100% (i) (ii) 100% (iii) (iv) (v) (1) (2) (i) 5% (ii) (iii) (iv) 100% (v) 4.4.2 (i) 2017 4 1 (a) - - 1 65 65 4.4.1 (i) 65 (ii) (i) (ii) (i) (ii) (i)(ii) (b) 4.4.1 (ii) 2017 4 1 2017 4 1 2017 4 1 602017 4 1 60 (a) 2017 4 1 2017 4 16 2017 4 1 3.1A(i) 3.2 3.2
22 (b) 2017 4 1 2017 4 1 (c) 2017 4 1 2017 4 1 2017 4 1 (d) 2017 4 1 2017 4 1 4.4.3 3.1A 4.4.1 (i) (ii) (iii) 4.4.4 4.4.1 4.5 4.5.1 150 A / 4.11 4.5A 4.4 4.5 4.5A 4.5.1 4.11 4.4.1 4.6 4.6.1 12 12 A (i) 65 (ii) (iii) (iv)
60 4.6.2 4.7 (a) ivi (b) (i)(ii) (i) 65 (ii) 60 (iii) (iv) (v) (vi) 12 ) 162 HK$5,000 4.7A HK$5,000 HK$5,000 () ( ) HK$5,000 4.8 (a) ( ) ( ) HK$5,000 ( HK$5,000 ) (b) ( ) HK$5,000 ( HK$5,000 ) 4.9 4.9.1 (a) (i) (ii) (b) 4.9.1 4.9.2 23
4.9A (i) (ii) (iii) 4.10 4.10.1 4.10.1 4.10.1 4.10 4.10.2 4.11 4.11 4.11.1 4.11.1 4.11.2 4.7 4.7 4.11.2 4.12 (a) 24
(b) (c) HK$5,000 (d) () 5. 5.1 / 5.2 (i) (ii) (iii) 5.3 (i) (ii) (iii) 1 (iv) (v) (vi) 6.2.3 5.4 (i) (ii) (iii) (iv) 6. 6.1 6.1.1 5.2 25
HK$10 6.1.2 6.2 6.2.1 6.2.2 6.2.1 (i) (ii) (i) (ii) (a) 65 (b) (c) / / 6.2.1 6.2.1 B (i) 6.2.1 (ii) 6.2.1 65 26
27 MPF 6.2.3 2000 12 1 MPF 6.3 65 65 3.1 2 65 65 4.4 5% HK$500
N P M N = P M 6.2 7.1.1 0.75% 6.4 7. 7.1 7.2 0.2% 7.1.2 7.1.2 (A) 1 (iv) () () 2 (iv) (B) 3 4 5 28
6 MPF MPF MPF 65 (C) (D) (v) ### MPF MPF MPF MPF MPF MPF 0.75% 0.9% 1.9% MPF 1.75% 7 (ii) MPF MPF MPF 1.5% MPF MPF MPF MPF MPF MPF MPF 65 1.15% 1.95% 0.75% 1.9% 8 0.2% 7.1.1 4.1 29
(E) - $1,000 ### 1. / / 2. / /( ) 3. / 4. 5. 6. / MPF MPF 65 7. 65 0.75% 8. (i) (A) 1 (iv) () () () 2 (iv) (B) 3 4 5 30
6 MPF MPF MPF 65 (C) (D) (v) MPF 2.63% MPF 2.13% MPF MPF MPF MPF 2.63% 7 (ii) MPF MPF 3.63% MPF MPF MPF MPF 65 4.63% 0.75% 2.63% (ii) (a) (i) : - 2.5% 1.75% - 0.13% (b) (ii) (iv) (vi) (xi)(xxiii) (xxix) : - 2.5% 1.9% - 0.13% (c) (v) : - 2.5% 0.75% - 0.13% (d) (xii) (xiv) (xv) : - 2.5% 1.5% - 0.13% 31
(e) (xiii) : - 2.5% 1.15% - 0.13% (f) (xvi) : - 3.5% 1.95% - 0.13% - (g) (xvii) : - 3.5% 1.95% - 0.13% (h) (xviii) : - 2% 0.9% - 0.13% (i) (xix) (xx) : - 4.63% 1.95% - (j) (xxi) (xxii) ####, : - 0.00% 0.10% - 0.49% 0.65% - 0.26% 0.26% 12%20% 12% 12 (i)(ii) C 1.95% #### 65 (i) (ii) (iii) (iv) (iii) MPF MPF 0.75%0.25% 32
(iv) (v) (vi) (vii) (viii) / (a) (b) 7.2 (i) (ii) (i) 7.3 / / / 8. 8.1 3 31 (i) (ii) (iii) (iv) (v) (vi) (vii) (viii) (a) (b) / / 2006 9 30 MPF MPF www.manulife.com.hk 8.2 8.2A 65 www.manulife. com.hk 21081388 (www.mpfa.org.hk) 65 65 33
65 www.hkifa.org.hk 8.3 HK$1,000 8.4 ( )( ) 8.5 8.6 (a) 15% (b) (c) (d) 8.7 / 2 MPF A 1 2 3 4 5 6 7 8 9 10 11 12 2000 - - - - - - - - - - - 5.00% 2001 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 2002 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.20% 0.20% 0.10% 0.02% 2003 0.02% 0.02% 0.02% 0.02% 0.02% 0.02% 0.02% 0.02% 0.02% 0.02% 0.02% 0.02% 2004 0.02% 0.02% 0.02% 0.02% 0.02% 0.02% 0.02% 0.02% 0.125% 0.15% 0.10% 0.02% 2005 0.02% 0.02% 0.25% 0.333% 0.50% 0.60% 0.80% 0.90% 1.00% 1.00% 1.25% 1.35% 2006 1.35% 1.40% 1.45% 1.45% 1.50% 1.55% 1.60% 1.60% 1.60% 1.65% 1.65% 1.65% 2007 1.65% 1.65% 1.70% 1.75% 1.75% 1.80% 1.85% 1.90% 1.95% 2.00% 2.00% 2.00% 2008 2.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 0.75% 2009 0.75% 0.75% 0.60% 0.40% 0.40% 0.40% 0.40% 0.40% 0.40% 0.40% 0.40% 0.40% 2010 0.40% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.01% 0.01% 2011 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 2012 0.01% 1. 2. 34
B 1 : $3,000 $10 300 10 : $12 100 25 : $900 $10 1 10 25 300 200 290 *** $3,000 $2,400 $2,900 $3,000 $2,000 $2,750 10 = 100 x $12 = $1,200 = $3,000 x 100 / 300 = $1,000 = $3,000 - $1,000 = $2,000 25 = $2,000 + ($900 x $1,000 / $1,200) = $2,750 25 : $1,200 $10 1 10 25 300 200 320 *** $3,000 $2,400 $3,200 $3,000 $2,000 $3,000 25 = $2,000 + ($1,200 x $1,000 / $1,200) = $3,000 25 : $1,500 $10 1 10 25 300 200 350 *** $3,000 $2,400 $3,500 $3,000 $2,000 $3,300 25 = $2,000 + ($1,200 x $1,000 / $1,200) + ($1,500 - $1,200) = $3,300 $1,200 $1,200 $1,200 $1,500 2 $1,200 ($1,500-$1,200)=$300 1 : $3,000 $10 300 120 180 20 : $8 30 : $9 1 20 30 300 180 0 120 0 0 180 180 0 *** $3,000 $1,440 $0 $1,200 $0 $0 $1,800 $1,440 $0 $3,000 $1,800 $1,200 $0 $1,800 $1,800 20 $1,200 (1) = 120 x $8 = $960 (2) = $1,200 =(1) (2) = $1,200 30 20 $1,800 (1) = 180 x $9 = $1,620 (2) = $1,800 =(1) (2) = $1,800 1 : $3,000 $10 300 30 : 65 $1,200 $9 35
1 30 300 0 *** $3,000 $0 $3,000 $0 $1,800 30 $3,000 (1) = 300 x $9 = $2,700 (2) = $3,000 =(1) (2) = $3,000 $1,200 $1,800(=$3,000-$1,200) *** = x 100 12% 12% MPF C A. 5 > 112 105 105 125.44 109 109 [ 112 x 112% ] 112% < 140.49 145 0.54 144.46 最新的高目標水平 [ 125.44 x 112% ] [ (145-140.49) x 12% ] [ 145-0.54 ] 112% > 161.80 153 153 [ 144.46 x 112% ] 181.21 180 180 [ 161.80 x 112% ] 36
B. 1 C (A) (A) < (B) $1,020 $1,020 $1,020/10 ( 10 = $102 ) (B) $100 * (1+12%) = $112 10/1 = 10 Nil $100 ( ) $1,020/10 = $102 (A) > (B) $920 $(920+0) = $920 8 $920/8 = $115 $100 * (1+12%) = $112 (10+8)/2 = 9 $(115 112) * 12% * 9 = $3.24 $920 $3.24 $916.76 $916.76/8 = $114.595 (A) > (B) $(1,076.76 $1,076.76 +3.24) = $1,080 (A) = (B) $(1,223.36 $1,223.36 +8.64) = $1,232 9 11 $1,080/9 = $120 $1,232/11 = $112 $100 * (1+12%) = $112 $100 * (1+12%) = $112 (10+8+9)/3 = 9 (10+8+9+11)/4 = 9.5 $(120 112) * 12% * 9 = $8.64 Nil $1,080 $8.64 $1,071.36 $1,071.36/9 = $119.04 $1,232/11 = $112 (A) > (B) $1,500 $15.6 $100 * $(125 112) $1,484.40 $1,500 $(1,500+0) $1,500/12 (10+8+9+ 12 (1+12%) * 12% * 10 = $1,500 = $125 11+12)/5 = 10 = $112 = $15.6 = $1,484.40/12 = $123.70.................................... $1,282 $(1,282+18) = $1,300^ 10 $1,300/10 = $130 $100 * (1+12%) = $112 (10+8+9+ 11+12+ 10) /260 = 10 $(130 112) * 12% * 10 = $21.6 $1,300 $21.60 $1,278.40 $127.84 1. (A) = $0 2. ^ $18 37
5. 4.7 23 2018 5 25 2017 4 1 2018 9 26 www.manulife. com.hk 1. 1 MPF MPF 6.2.26.2.3 2. 1 3. 3.2 15 4. 4.6 22 6. 4.8(b) 23 7. 4.10.1 24 146 148 8. 5.4 25 9. 6.3 27
4 (C) (D) (v) ### 7 (ii) MPF 0.75% MPF 0.9% MPF MPF MPF MPF 1.75% 0.99% MPF 1.75% MPF MPF MPF MPF 1.15% 10. 6.3 27 HK$500 11. 7.1.2 28 2018 8 1 (i) (ii) (C) (D)
MPF MPF 1.9% 7 (ii) MPF MPF 65 0.75% 1.75% 8 0.2% 7.1.1 4.1 (iii) (ii) (a) (i) (iv) (vi) (xi) - 2.5% 1.75% - 0.13% (b) (v) - 2.5% 0.75% - 0.13% (c) (xii) (xv) - 2.5% 1.15% - 0.13% (d) (xvi) - 3.5% 1.9% - 0.13% -
(e) (xvii) - 3.5% 1.9% - 0.13% (f) (xviii) - 2% 0.9% - 0.13% (g) (xix) (xx) - 4.63% 1.75% - (h) (xxi) (xxii) ####, : - 0.10% - 0.65% 0.00% 0.49% - 0.26% 0.26% (i) (xxiii) (xxix) - 2.5% 0.99% - 0.13% (iv) 12. GS OD 1st ADDEN (05/2018)