PDF《2019》

65 Plus Fund may not be suitable for you, and there may be a risk mismatch between the BOC- Prudential Core Accumulation Fund and the BOC-Prudential Age

65 Plus Fund and your risk profile (the resulting portfolio risk may be greater than your risk preference). You should seek financial and/or professional advice if you are in doubt as to whether the MPF Default Investment Strategy is suitable for you, and make the investment decision most suitable for you taking into account your circumstances. ? You should note that the implementation of the MPF Default Investment Strategy may have an impact on your MPF investments and benefits. We recommend that you consult with the Trustee if you have doubts on how you are being affected. ? Fees and charges of a MPF conservative fund can be deducted from either (i) the assets of the fund or (ii) members'

account by way of unit deduction. The BOC-Prudential MPF Conservative Fund uses method (i) and, therefore, unit prices/NAV/fund performance quoted have incorporated the impact of fees and charges. ? You should not solely rely on the stand-alone marketing material to make any investment decision. Please refer to the principal brochure of the Scheme for further details (including risk factors, fees and charges, and fund information). ? Investment involves risks. Prices of units of the constituent funds may go down as well as up. The past performance information is not indicative of future performance. Important Information ― Withdrawal of Accrued Benefits by Instalments ? If you have attained (i) the normal retirement age of

65 or (ii) the early retirement age of

60 and certify to the Trustee by statutory declaration that you have permanently ceased your employment or self-employment, you may choose to withdraw accrued benefits by way of instalments by specifying the exact instalment amount from 1st February 2016. In respect of your application for withdrawal of accrued benefits by instalments, the Trustee will not charge any fee for payment of the first four (4) instalments in each calendar year and payment of the final instalment for all remaining and payable accrued benefits under the Scheme. Other than such circumstances, the Trustee will charge a handling fee of HK$100 per withdrawal of accrued benefits by instalments as specified in Table (E) of principal brochure section 7.1, and such fee will be deducted from your withdrawal amount. You may download the relevant forms for withdrawal of accrued benefits by instalments from the Trustee'

s website www.bocpt.com. You may also obtain the relevant forms from Trustee'

s Customer Service Centre at 25/F., Citicorp Centre,

18 Whitfield Road, Causeway Bay, Hong Kong or call Trustee'

s Customer Services Representative of the Scheme at

2929 3030 for further information. 重要资讯 ― 一般 ? 在作出任何投资选择前,你必须评估你可承受 的风险程度及本身的财务状况;

当你选择基金 时,若不能肯定某些基金是否适合自己 (包括 是否与你的投资目标一致) ,你应谘询独立财 务及或专业人士的意见,以作出最切合个人 状况的基金选择. ?在你决定投资於强积金预设投资策略(根 银保诚简易强积金计划 ( 「本计划」 ) 介绍手册第 3.1A节 「强积金预设投资策略」 的定义)前,你 应考虑自己的风险承受程度及财政状况.你应 注意中银保诚核心累积基金及中银保诚65岁后 基金并不一定适合你,而中银保诚核心累积基 金及中银保诚65岁后基金的风险程度及你可承 受的风险程度可能出现错配(基金组合的风险可 能比你想要承担的风险为高).如你对於强积金 预设投资策略是否适合你存有疑问,你应寻求 财务及/或专业意见,并在考虑到自身情况之后 才进行投资决定. ?你应注意强积金预设投资策略的实施有可能影 响你的强积金投资及权益.如你就预设投资策 略对你的影响有疑问,我们建议你向受托人查 询. ?强积金保守基金的费用及收费可