Retirement is truly a special milestone, when you get to savour everything you worked so hard for throughout your career. That's why you want to make sure that all the goals and aspirations you have for life after retirement will become a reality. This is where we come in.
The Occupational Retirement Schemes Ordinance (ORSO) schemes are retirement programmes established voluntarily by employers to provide retirement benefits for their employees. As one of the largest pension service provider in Hong Kong, we can help you to get the best mileage out of the money you worked so hard to put aside for retirement. Here's what we can offer, so you can pursue the lifestyle you want for your golden years:
- A team of ORSO experts and relationship managers to support your company’s ORSO scheme
- Extensive fund management experience aimed at helping you get the most value out of your money
- A wide range of diversified investment choices
- Manage your portfolio through online or hotline channels
Ask about ORSO services
Wayfoong Multi-funding System
What are your plans after that last day of work? Do you want to travel the world, take ballroom dancing or boating classes? Are you planning to design and remodel your home? Everyone has different retirement aspirations. Customise your portfolio to suit your retirement needs by choosing from our comprehensive range of investment choices under the Wayfoong Multi-funding System, our flagship ORSO programme.
You can change your investment choices and investment combinations anytime as you move through different life stages, or as you go through a variety of milestones that could alter your retirement needs. It's our goal to make it as straightforward and convenient for you to manage your personal ORSO portfolio. All you need to do is log on to online banking from our website.
Find out more about the investment choices available and how they've previously performed.
Investment Choices
Get information on all the investment choice you can pick.
Investment choices at a glance
| Investment Choices
|
Investment Objective |
Denomination |
Risk Rating 1 = the lowest 5 = the highest |
|---|---|---|---|
Money Market Fund
|
To achieve a rate of return higher than the bank savings rate. The fund invests solely in units of the HSBC Global Money Funds denominated in Hong Kong dollar and is a unit trust managed by HSBC Investment Funds (Hong Kong) Limited. The HSBC Global Money Funds invest in short-term deposits and high quality money market instruments such as treasury bills, bills of exchange, commercial paper, certificates of deposit or inter-bank deposits. The weighted average maturity and weighted average life of the investments of the HSBC Global Money Funds will not exceed 60 days and 120 days respectively. Please note that investing in the fund is not the same as placing money on deposit with a bank or deposit taking company and the fund is not subject to the supervision of the Hong Kong Monetary Authority. |
HKD |
1 |
Capital Guaranteed Fund
|
To achieve an investment return as may be declared by HSBC Life at its sole discretion subject to a guarantee of the full amount of capital on a year-on-year basis. The capital guarantee will cover the actual amount invested in the fund together with any declared returns accumulated up to 31 December of the preceding year (if applicable) and the actual amount invested in the fund in the current year. Contributions net of any administration charge (if applicable) will be treated as the actual amount invested in the fund. Any investment earnings in excess of the declared return will be retained by HSBC Life. The fund invests in a diversified international portfolio, emphasising investment in bonds and, to a lesser extent, in equities and money market instruments. The return of each year is declared by HSBC Life as soon as practicable after 31 December each year. |
HKD |
1 |
North American Bond Fund
|
To provide investors with interest income and capital gain by investing in top quality US dollar and Canadian dollar bonds. The fund may also invest in Eurobonds denominated in these two currencies issued by major international entities as well as by other governments. |
HKD |
2 |
World Bond Fund
|
To provide investors with interest income and capital gain by investing in high quality debt instruments worldwide. Its primary holdings are bonds in major trading currencies which include US dollar, Japanese Yen, and European currencies. |
HKD |
1 |
International Stable Fund
|
To achieve stable capital growth with low volatility by investing in a diversified portfolio that normally comprises global bonds and equities with heavier weighting in bonds. The fund is well diversified geographically and invests primarily in the Hong Kong SAR and developed countries in North America, Europe and the Asia-Pacific region. |
HKD |
2 |
International Stable Growth Fund
|
To achieve medium capital growth with low-medium volatility by investing in a diversified portfolio which normally comprises global bonds and equities with equal emphasis. The fund is well diversified geographically and invests primarily in the Hong Kong SAR and developed countries in North America, Europe and the Asia-Pacific region.
|
HKD |
3 |
International Growth Fund
|
To deliver medium to long-term investment performance that exceeds inflation. Risks are reduced by investing globally with emphasis on equities followed by bonds, and the remainder in money market securities. The fund is well diversified geographically and invests primarily in the Hong Kong SAR and developed countries in North America, Europe and the Asia-Pacific region.
|
HKD |
4 |
Asia Pacific Equity Fund
|
To achieve long-term capital appreciation by focusing on companies listed in the Asia-Pacific region. The fund invests in ASEAN countries together with the Hong Kong SAR, Australia and Japan. It may also invest in mainland China or other less capitalised markets in the region when opportunities arise. |
HKD |
4 |
European Equity Fund
|
To achieve long-term capital growth by investing in a portfolio of carefully selected shares traded in the United Kingdom and continental European countries. |
HKD |
4 |
Hong Kong Equity Fund |
To provide long-term capital appreciation through investing directly or indirectly in corporate shares listed on the Stock Exchange of Hong Kong. |
HKD |
5 |
North American Equity Fund
|
To achieve long-term capital growth by investing primarily in corporate shares listed in the U.S. and, to a lesser extent, in Canada. |
HKD |
4 |
Chinese Equity Fund
|
To achieve long-term capital growth by investing primarily in a portfolio of carefully selected shares issued by companies deriving a preponderant part of their income and/or assets from mainland China* and listed on the Stock Exchange of Hong Kong, including but not limited to H shares and red-chips. The fund invests solely in the HSBC Pooled Chinese Equity Fund, which is an approved pooled investment fund as defined under the Mandatory Provident Fund Schemes (General) Regulation (the ‘General Regulation’) and is managed by HSBC Investment Funds (Hong Kong) Limited. Up to 30% of the non-cash assets of the approved pooled investment fund may include securities issued by companies deriving a preponderant part of their income and/or assets from mainland China* that are listed on other stock exchanges.
* Mainland China means all customs territories of the People‘s Republic of China, for the purpose of interpretation of this document only, excluding Hong Kong SAR, Macau SAR and Taiwan. |
HKD |
5 |
| Hang Seng Index Tracker Fund | To provide investment results that closely correspond to the performance of the Hang Seng Index by investing directly and solely in the Tracker Fund of Hong Kong (for the purpose of this section, the ‘Underlying ITCIS’), an SFC-authorised fund, with a similar investment objective. Whilst the investment objective of the fund and the Underlying ITCIS is to track the Hang Seng Index, there can be no assurance that the performance of the fund and the Underlying ITCIS will at any time be identical to the performance of the Hang Seng Index. | HKD |
5 |
| Investment Choices
|
Money Market Fund
|
|---|---|
Investment Objective |
To achieve a rate of return higher than the bank savings rate. The fund invests solely in units of the HSBC Global Money Funds denominated in Hong Kong dollar and is a unit trust managed by HSBC Investment Funds (Hong Kong) Limited. The HSBC Global Money Funds invest in short-term deposits and high quality money market instruments such as treasury bills, bills of exchange, commercial paper, certificates of deposit or inter-bank deposits. The weighted average maturity and weighted average life of the investments of the HSBC Global Money Funds will not exceed 60 days and 120 days respectively. Please note that investing in the fund is not the same as placing money on deposit with a bank or deposit taking company and the fund is not subject to the supervision of the Hong Kong Monetary Authority. |
Denomination |
HKD |
Risk Rating 1 = the lowest 5 = the highest |
1 |
| Investment Choices
|
Capital Guaranteed Fund
|
Investment Objective |
To achieve an investment return as may be declared by HSBC Life at its sole discretion subject to a guarantee of the full amount of capital on a year-on-year basis. The capital guarantee will cover the actual amount invested in the fund together with any declared returns accumulated up to 31 December of the preceding year (if applicable) and the actual amount invested in the fund in the current year. Contributions net of any administration charge (if applicable) will be treated as the actual amount invested in the fund. Any investment earnings in excess of the declared return will be retained by HSBC Life. The fund invests in a diversified international portfolio, emphasising investment in bonds and, to a lesser extent, in equities and money market instruments. The return of each year is declared by HSBC Life as soon as practicable after 31 December each year. |
Denomination |
HKD |
Risk Rating 1 = the lowest 5 = the highest |
1 |
| Investment Choices
|
North American Bond Fund
|
Investment Objective |
To provide investors with interest income and capital gain by investing in top quality US dollar and Canadian dollar bonds. The fund may also invest in Eurobonds denominated in these two currencies issued by major international entities as well as by other governments. |
Denomination |
HKD |
Risk Rating 1 = the lowest 5 = the highest |
2 |
| Investment Choices
|
World Bond Fund
|
Investment Objective |
To provide investors with interest income and capital gain by investing in high quality debt instruments worldwide. Its primary holdings are bonds in major trading currencies which include US dollar, Japanese Yen, and European currencies. |
Denomination |
HKD |
Risk Rating 1 = the lowest 5 = the highest |
1 |
| Investment Choices
|
International Stable Fund
|
Investment Objective |
To achieve stable capital growth with low volatility by investing in a diversified portfolio that normally comprises global bonds and equities with heavier weighting in bonds. The fund is well diversified geographically and invests primarily in the Hong Kong SAR and developed countries in North America, Europe and the Asia-Pacific region. |
Denomination |
HKD |
Risk Rating 1 = the lowest 5 = the highest |
2 |
| Investment Choices
|
International Stable Growth Fund
|
Investment Objective |
To achieve medium capital growth with low-medium volatility by investing in a diversified portfolio which normally comprises global bonds and equities with equal emphasis. The fund is well diversified geographically and invests primarily in the Hong Kong SAR and developed countries in North America, Europe and the Asia-Pacific region.
|
Denomination |
HKD |
Risk Rating 1 = the lowest 5 = the highest |
3 |
| Investment Choices
|
International Growth Fund
|
Investment Objective |
To deliver medium to long-term investment performance that exceeds inflation. Risks are reduced by investing globally with emphasis on equities followed by bonds, and the remainder in money market securities. The fund is well diversified geographically and invests primarily in the Hong Kong SAR and developed countries in North America, Europe and the Asia-Pacific region.
|
Denomination |
HKD |
Risk Rating 1 = the lowest 5 = the highest |
4 |
| Investment Choices
|
Asia Pacific Equity Fund
|
Investment Objective |
To achieve long-term capital appreciation by focusing on companies listed in the Asia-Pacific region. The fund invests in ASEAN countries together with the Hong Kong SAR, Australia and Japan. It may also invest in mainland China or other less capitalised markets in the region when opportunities arise. |
Denomination |
HKD |
Risk Rating 1 = the lowest 5 = the highest |
4 |
| Investment Choices
|
European Equity Fund
|
Investment Objective |
To achieve long-term capital growth by investing in a portfolio of carefully selected shares traded in the United Kingdom and continental European countries. |
Denomination |
HKD |
Risk Rating 1 = the lowest 5 = the highest |
4 |
| Investment Choices
|
Hong Kong Equity Fund |
Investment Objective |
To provide long-term capital appreciation through investing directly or indirectly in corporate shares listed on the Stock Exchange of Hong Kong. |
Denomination |
HKD |
Risk Rating 1 = the lowest 5 = the highest |
5 |
| Investment Choices
|
North American Equity Fund
|
Investment Objective |
To achieve long-term capital growth by investing primarily in corporate shares listed in the U.S. and, to a lesser extent, in Canada. |
Denomination |
HKD |
Risk Rating 1 = the lowest 5 = the highest |
4 |
| Investment Choices
|
Chinese Equity Fund
|
Investment Objective |
To achieve long-term capital growth by investing primarily in a portfolio of carefully selected shares issued by companies deriving a preponderant part of their income and/or assets from mainland China* and listed on the Stock Exchange of Hong Kong, including but not limited to H shares and red-chips. The fund invests solely in the HSBC Pooled Chinese Equity Fund, which is an approved pooled investment fund as defined under the Mandatory Provident Fund Schemes (General) Regulation (the ‘General Regulation’) and is managed by HSBC Investment Funds (Hong Kong) Limited. Up to 30% of the non-cash assets of the approved pooled investment fund may include securities issued by companies deriving a preponderant part of their income and/or assets from mainland China* that are listed on other stock exchanges.
* Mainland China means all customs territories of the People‘s Republic of China, for the purpose of interpretation of this document only, excluding Hong Kong SAR, Macau SAR and Taiwan. |
Denomination |
HKD |
Risk Rating 1 = the lowest 5 = the highest |
5 |
| Investment Choices
|
Hang Seng Index Tracker Fund |
Investment Objective |
To provide investment results that closely correspond to the performance of the Hang Seng Index by investing directly and solely in the Tracker Fund of Hong Kong (for the purpose of this section, the ‘Underlying ITCIS’), an SFC-authorised fund, with a similar investment objective. Whilst the investment objective of the fund and the Underlying ITCIS is to track the Hang Seng Index, there can be no assurance that the performance of the fund and the Underlying ITCIS will at any time be identical to the performance of the Hang Seng Index. |
Denomination |
HKD |
Risk Rating 1 = the lowest 5 = the highest |
5 |
| Investment Choices |
Investment Objective |
Denomination |
Risk Rating 1 = the lowest 5 = the highest |
|---|---|---|---|
Money Market Fund
|
To achieve a rate of return higher than the bank savings rate. The fund invests solely in units of the HSBC Global Money Funds denominated in US dollar and is a unit trust managed by HSBC Investment Funds (Hong Kong) Limited. The HSBC Global Money Funds invest in short-term deposits and high quality money market instruments such as treasury bills, bills of exchange, commercial paper, certificates of deposit or inter-bank deposits. The weighted average maturity and weighted average life of the investments of the HSBC Global Money Funds will not exceed 60 days and 120 days respectively.
|
USD |
1 |
Capital Guaranteed Fund
|
To achieve an investment return as may be declared by HSBC Life at its sole discretion subject to a guarantee of the full amount of capital on a year-on-year basis. The capital guarantee will cover the actual amount invested in the fund together with any declared returns accumulated up to 31 December of the preceding year (if applicable) and the actual amount invested in the fund in the current year. Contributions net of any administration charge (if applicable) will be treated as the actual amount invested in the fund. Any investment earnings in excess of the declared return will be retained by HSBC Life.
The fund invests in a diversified international portfolio, emphasising investment in bonds and, to a lesser extent, in equities and money market instruments. The return of each year is declared by HSBC Life as soon as practicable after 31 December each year. |
USD |
1 |
International Growth Fund |
To deliver medium to long-term investment performance that exceeds inflation. Risks are reduced by investing globally with emphasis on equities followed by bonds, and the remainder in money market securities. The fund is well diversified geographically and invests primarily in the Hong Kong SAR and developed countries in North America, Europe and the Asia-Pacific region. |
USD |
3 |
| Investment Choices |
Money Market Fund
|
|---|---|
Investment Objective |
To achieve a rate of return higher than the bank savings rate. The fund invests solely in units of the HSBC Global Money Funds denominated in US dollar and is a unit trust managed by HSBC Investment Funds (Hong Kong) Limited. The HSBC Global Money Funds invest in short-term deposits and high quality money market instruments such as treasury bills, bills of exchange, commercial paper, certificates of deposit or inter-bank deposits. The weighted average maturity and weighted average life of the investments of the HSBC Global Money Funds will not exceed 60 days and 120 days respectively.
|
Denomination |
USD |
Risk Rating 1 = the lowest 5 = the highest |
1 |
| Investment Choices |
Capital Guaranteed Fund
|
Investment Objective |
To achieve an investment return as may be declared by HSBC Life at its sole discretion subject to a guarantee of the full amount of capital on a year-on-year basis. The capital guarantee will cover the actual amount invested in the fund together with any declared returns accumulated up to 31 December of the preceding year (if applicable) and the actual amount invested in the fund in the current year. Contributions net of any administration charge (if applicable) will be treated as the actual amount invested in the fund. Any investment earnings in excess of the declared return will be retained by HSBC Life.
The fund invests in a diversified international portfolio, emphasising investment in bonds and, to a lesser extent, in equities and money market instruments. The return of each year is declared by HSBC Life as soon as practicable after 31 December each year. |
Denomination |
USD |
Risk Rating 1 = the lowest 5 = the highest |
1 |
| Investment Choices |
International Growth Fund |
Investment Objective |
To deliver medium to long-term investment performance that exceeds inflation. Risks are reduced by investing globally with emphasis on equities followed by bonds, and the remainder in money market securities. The fund is well diversified geographically and invests primarily in the Hong Kong SAR and developed countries in North America, Europe and the Asia-Pacific region. |
Denomination |
USD |
Risk Rating 1 = the lowest 5 = the highest |
3 |
Remarks:
1. 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 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 period of time.
3 = Medium Risk: Moderate chance of losing a significant portion of your capital over the term of the investment (although this is not guaranteed). Expected to demonstrate moderate level of price fluctuations over short period 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 period 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 period of time.
The above risk ratings are based on data up to 09 May 2020.
The risk ratings are provided by HSBC Group Management Services Limited.
The above 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 Investment Performance Report. The risk ratings information provided above should not be regarded as investment advice. You should not solely rely on the above risk ratings when making any investment choices.
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 such information as investment advice.
If you are in doubt about the meaning or effect of the contents of the above information, you should seek independent professional advice.
Fund Performance
Track how your investment is performing over time
|
Currency |
3 months |
YTD |
1 year |
3 years |
5 years |
Since inception |
Launch Date |
|---|---|---|---|---|---|---|---|---|
Money Market Fund |
HKD |
-0.01 | 0.37 | 0.48 | 1.91 | 1.32 | 18.38 | 07/01/2000 |
Money Market Fund |
USD |
0.00 | 0.25 | 0.33 | 3.06 | 2.71 | 21.20 | 07/01/2000 |
North American Bond Fund |
HKD |
1.15 | 5.38 | 4.93 | 13.22 | 17.98 | 151.40 | 14/02/1996 |
World Bond Fund |
HKD |
0.58 | 6.22 | 5.55 | 13.37 | 17.59 | 143.47 | 14/02/1996 |
International Stable Fund |
HKD |
2.58 | 7.92 | 8.49 | 13.67 | 26.80 | 125.09 | 07/07/2003 |
International Stable Growth Fund |
HKD |
3.71 | 8.81 | 10.14 | 14.20 | 33.94 | 169.76 | 07/07/2003 |
International Growth Fund |
HKD |
4.98 | 9.44 | 11.77 | 13.75 | 41.67 | 286.03 | 21/02/1995 |
International Growth Fund |
USD |
4.08 | 9.10 | 10.77 | 21.18 | 43.47 | 254.80 | 14/02/1996 |
Asia Pacific Equity Fund |
HKD |
9.17 | 6.51 | 10.54 | 11.25 | 49.00 | 107.21 | 14/02/1996 |
European Equity Fund |
HKD |
8.88 | -6.26 | -4.46 | -10.79 | 3.71 | 61.20 | 07/07/2003 |
Hong Kong Equity Fund |
HKD |
3.53 | 14.89 | 19.45 | 6.90 | 45.93 | 438.64 | 21/02/1995 |
North American Equity Fund |
HKD |
3.67 | 11.57 | 13.22 | 35.36 | 72.51 | 411.40 | 14/02/1996 |
Chinese Equity Fund |
HKD |
5.94 | 25.24 | 29.42 | 25.01 | 78.59 | 84.47 | 01/10/2010 |
|
Money Market Fund |
|---|---|
Currency |
HKD |
3 months |
-0.01 |
YTD |
0.37 |
1 year |
0.48 |
3 years |
1.91 |
5 years |
1.32 |
Since inception |
18.38 |
Launch Date |
07/01/2000 |
|
Money Market Fund |
Currency |
USD |
3 months |
0.00 |
YTD |
0.25 |
1 year |
0.33 |
3 years |
3.06 |
5 years |
2.71 |
Since inception |
21.20 |
Launch Date |
07/01/2000 |
|
North American Bond Fund |
Currency |
HKD |
3 months |
1.15 |
YTD |
5.38 |
1 year |
4.93 |
3 years |
13.22 |
5 years |
17.98 |
Since inception |
151.40 |
Launch Date |
14/02/1996 |
|
World Bond Fund |
Currency |
HKD |
3 months |
0.58 |
YTD |
6.22 |
1 year |
5.55 |
3 years |
13.37 |
5 years |
17.59 |
Since inception |
143.47 |
Launch Date |
14/02/1996 |
|
International Stable Fund |
Currency |
HKD |
3 months |
2.58 |
YTD |
7.92 |
1 year |
8.49 |
3 years |
13.67 |
5 years |
26.80 |
Since inception |
125.09 |
Launch Date |
07/07/2003 |
|
International Stable Growth Fund |
Currency |
HKD |
3 months |
3.71 |
YTD |
8.81 |
1 year |
10.14 |
3 years |
14.20 |
5 years |
33.94 |
Since inception |
169.76 |
Launch Date |
07/07/2003 |
|
International Growth Fund |
Currency |
HKD |
3 months |
4.98 |
YTD |
9.44 |
1 year |
11.77 |
3 years |
13.75 |
5 years |
41.67 |
Since inception |
286.03 |
Launch Date |
21/02/1995 |
|
International Growth Fund |
Currency |
USD |
3 months |
4.08 |
YTD |
9.10 |
1 year |
10.77 |
3 years |
21.18 |
5 years |
43.47 |
Since inception |
254.80 |
Launch Date |
14/02/1996 |
|
Asia Pacific Equity Fund |
Currency |
HKD |
3 months |
9.17 |
YTD |
6.51 |
1 year |
10.54 |
3 years |
11.25 |
5 years |
49.00 |
Since inception |
107.21 |
Launch Date |
14/02/1996 |
|
European Equity Fund |
Currency |
HKD |
3 months |
8.88 |
YTD |
-6.26 |
1 year |
-4.46 |
3 years |
-10.79 |
5 years |
3.71 |
Since inception |
61.20 |
Launch Date |
07/07/2003 |
|
Hong Kong Equity Fund |
Currency |
HKD |
3 months |
3.53 |
YTD |
14.89 |
1 year |
19.45 |
3 years |
6.90 |
5 years |
45.93 |
Since inception |
438.64 |
Launch Date |
21/02/1995 |
|
North American Equity Fund |
Currency |
HKD |
3 months |
3.67 |
YTD |
11.57 |
1 year |
13.22 |
3 years |
35.36 |
5 years |
72.51 |
Since inception |
411.40 |
Launch Date |
14/02/1996 |
|
Chinese Equity Fund |
Currency |
HKD |
3 months |
5.94 |
YTD |
25.24 |
1 year |
29.42 |
3 years |
25.01 |
5 years |
78.59 |
Since inception |
84.47 |
Launch Date |
01/10/2010 |
|
Currency |
01/01/20 – 30/11/20 |
01/01/19 – 31/12/19 |
01/01/18 – 31/12/18 |
01/01/17 – 31/12/17 |
01/01/16 – 31/12/16 |
01/01/15 – 31/12/15 |
01/01/14 – 31/12/14 |
|---|---|---|---|---|---|---|---|---|
Capital Guaranteed Fund |
HKD |
0.35 | 2.00 |
1.50 |
1.55 |
1.50 |
1.50 |
1.75 |
Capital Guaranteed Fund |
USD |
0.34 | 2.00 |
1.50 |
1.55 |
1.50 |
1.50 |
1.75 |
|
Capital Guaranteed Fund |
|---|---|
Currency |
HKD |
| 01/01/20 – 30/11/20 |
0.35 |
01/01/19 – 31/12/19 |
2.00 |
01/01/18 – 31/12/18 |
1.50 |
01/01/17 – 31/12/17 |
1.55 |
01/01/16 – 31/12/16 |
1.50 |
01/01/15 – 31/12/15 |
1.50 |
01/01/14 – 31/12/14 |
1.75 |
|
Capital Guaranteed Fund |
Currency |
USD |
| 01/01/20 – 30/11/20 |
0.34 |
01/01/19 – 31/12/19 |
2.00 |
01/01/18 – 31/12/18 |
1.50 |
01/01/17 – 31/12/17 |
1.55 |
01/01/16 – 31/12/16 |
1.50 |
01/01/15 – 31/12/15 |
1.50 |
01/01/14 – 31/12/14 |
1.75 |
Remarks:
- Cumulative performance is calculated based on the unit price of the last valuation day at the end of the quarter.
- Cumulative performance is calculated in the fund currency on the basis of NAV-to-NAV (net asset value).
- Declared Rate is declared annually at the end of the financial year. The year-to-date Declared Rate is determined based on the difference in the unit prices over the relevant period and is for reference only. For Capital Guaranteed Fund, both the Declared Rate and the year-to-date Declared Rate would not be negative.
When the Declared Rate of the year was declared as soon as practicable after 31 December each year, the value of each member’s account will be adjusted in the form of additional units in order to ensure that the return of that member’s investments in the fund for that year is in accordance to the Declared Rate. Conversely, the member would not be entitled to such additional units should the member’s investment is redeemed from the fund in the middle of a financial year, and the return of the member would be calculated according to the year-to-date Declared Rate which could be lesser than the Declared Rate. - The ORSO information provided on this web page is for reference only, which may be subject to adjustment or correction from time to time without any notice. The relevant information after adjustment or correction may vary.
Important Information
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