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Important notes
- The HSBC Mandatory Provident Fund - SuperTrust, SuperTrust Plus, SimpleChoice and ValueChoice are mandatory provident fund schemes.
- 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 you (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.
- The respective Guaranteed Fund under the above schemes invests solely in an approved pooled investment fund 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 relevant Guaranteed Fund, if any, are therefore subject to the credit risks of HSBC Life (International) Limited. Please refer to the 'Warning' section under 'Guaranteed Fund' in Part II - Fund Structure of the relevant 'Principal Brochure' for details of the credit risk.
- The guarantee in the relevant Guaranteed Fund only applies under certain conditions. Please refer to the 'Guarantee features' section under 'Guaranteed Fund' in Part II - Fund Structure of the relevant 'Principal Brochure' for full details of the guarantee features and Guarantee Conditions.
- You should not invest based on the information shown on this website alone and should read the relevant 'Principal Brochure'.
HSBC MPF Schemes
HSBC master trust schemes
Choice and convenience
Under HSBC MPF, members are enrolled into a master trust scheme which pools all contributions for greater efficiency, flexibility, investment balance and choice. You can join one of four master trust schemes:
- SuperTrust offers five investment funds
- SuperTrust Plus offers a wide range of 14 investment funds
- SimpleChoice is designed for members with less investment experience or without time to manage their MPF accounts
- ValueChoice provides a range of diversified investment funds to meet individual needs. Members can choose a combination of investment funds that best suits their investment needs
Your complete MPF service provider
The all-in-one MPF solution
HSBC is highly experienced in all four aspects involved in operating an MPF scheme: trustee, custodian, administrator and investment manager. This enables us to provide a comprehensive solution when meeting your MPF needs.
- Trustee and custodian: HSBC Provident Fund Trustee (Hong Kong) Limited share the resources of HSBC Trustee (Hong Kong) Limited, which has 50 years' experience in trustee services.
- Administrator: HSBC Life (International) Limited is one of Hong Kong's largest retirement scheme administrators and has over 30 years' experience in retirement funds administration.
- Main investment manager: HSBC Global Asset Management (Hong Kong) Limited is part of the HSBC Group's global fund management arm and has experienced teams in six major cities worldwide.
- Investment manager: Hang Seng Investment Management Limited has extensive experience in managing index funds, retirement funds, institutional accounts and private client portfolios.
HSBC Life (International) Limited is incorporated in Bermuda with limited liability.
How to make your investment choices
Select what suits you best
There is no simple answer as to which fund is most suitable for you but consideration of risk is very important. There are a number of factors to take into account when deciding on a suitable risk level, including your personal goals, age and investment objectives. At HSBC MPF, we offer you a range of investment funds to choose from to match your individual needs. Our Investment funds fall into the three general investment strategy categories:
- Conservative - low risk investment funds seeking to preserve underlying capital.
- Moderate - medium risk investment funds seeking to maximise long-term capital growth while minimising investment return volatility.
- Aggressive - higher risk investment funds seeking strong growth over the long term by taking advantage of gains in stock prices.
To help you find out more about your investment profile, use our specially designed Investment Profile Questionnaire.
Remarks
- It is important that you read this website in conjunction with the relevant 'Principal Brochure' which contains more detailed information about HSBC MPF including information on its fund structure, fee table and our rights to alter the fees and charges.
- Additional voluntary contributions are accepted at the discretion of the Administrator and the Trustee.
- Investment involves risks. Past performance is no guide to future performance. For further details including the product features and risks involved, please refer to the relevant 'Principal Brochure'.
- If you are in doubt about the meaning or effect of the contents of this website, you should seek independent professional advice.
- If you would like to raise any concerns or make a complaint, you can write to or call the Administrator or the Trustee. The Administrator or the Trustee will then investigate the situation and take necessary actions as soon as practicable.
