生强积金hangsengmpf

!生強積金HangSengMPF基金概覽FundFactSheet2010第二季2ndQuarter所載資料截至Allinformationasat30/06/2010重要事項•*生強積金精選計劃、智選計劃及易選計劃為強制性公積金計劃。•在作出投資選擇前，你必須衡量個人可承受風險的程度及你的財政狀況。在選擇基金時，如你就某一項基金是否適合你（包括是否符合你的投資目標）而有任何疑問，請徵詢財務及／或專業人士的意見，並因應你的個人狀況而選擇最適合你的基金。•精選計劃及智選計劃內各項保證基金只投資於由„豐人壽保險（國際）有限公司提供以保單形式成立的核准匯集投資基金，而有關保證亦由„豐人壽保險（國際）有限公司提供。因此，你於有關保證基金的投資（如有）將受„豐人壽保險（國際）有限公司的信用風險所影響。•有關保證基金所提供的保證只適用於指定的條件。有關保證特點及保證條件的詳情，請參閱有關「主要推銷刊物」的第二部分－基金結構內「保證基金」下的「保證特點」。•你應該參閱有關「主要推銷刊物」，而不應只根據這文件作出投資。Importantnotes•TheHangSengMandatoryProvidentFund–SuperTrust,SuperTrustPlusandSimpleChoicearemandatoryprovidentfundschemes.•Youshouldconsideryourownrisktolerancelevelandfinancialcircumstancesbeforemakinganyinvestmentchoices.When,inyourselectionoffunds,youareindoubtastowhetheracertainfundissuitableforyou(includingwhetheritisconsistentwithyourinvestmentobjectives),youshouldseekfinancialand/orprofessionaladviceandchoosethefund(s)mostsuitableforyoutakingintoaccountyourcircumstances.•TherespectiveGuaranteedFundunderSuperTrustandSuperTrustPlusinvestssolelyinanapprovedpooledinvestmentfundintheformofaninsurancepolicyprovidedbyHSBCLife(International)Limited.TheguaranteeisalsogivenbyHSBCLife(International)Limited.YourinvestmentsintherelevantGuaranteedFund,ifany,arethereforesubjecttothecreditrisksofHSBCLife(International)Limited.•TheguaranteeintherelevantGuaranteedFundonlyappliesundercertainconditions.Pleaserefertothe‘Guaranteefeatures’sectionunder‘GuaranteedFund’inPartII–FundStructureoftherelevant‘PrincipalBrochure’forfulldetailsoftheguaranteefeaturesandGuaranteeConditions.•Youshouldnotinvestbasedonthisdocumentaloneandshouldreadtherelevant‘PrincipalBrochure’.!生強積金僱主專線HangSengMPFEmployerDirect22886822!生強積金服務熱線HangSengMPFServiceHotline22132213!生強積金網頁HangSengMPFWebsitehangseng.com/empf你、我、香港，讓我們一起共創新里程。You,usandHongKong.We’reinthistogether.注意本文件由„豐人壽保險（國際）有限公司（「本公司」）在香港進行受規管業務時派發。本文件僅供收件人閱覽，而不應向任何其他人士派發。本文件不得為任何目的而翻印或進一步派發全文或其任何部分。本基金概覽包括由„豐環球投資管理（香港）有限公司、HSBCProvidentFundTrustee(HongKong)Limited及*生投資管理有限公司準備的研究報告及資料，如每份報告內所示。本公司並無參與準備該些研究報告及資料。本文件所載資料並無因應任何個人情況作出檢核。如需投資意見，請聯絡你的專業顧問。本文件並非亦不應被視為要約出售或建議要約購買或認購任何投資產品。本文內容所發表的意見，可予修改而毋須另行通知。„豐集團旗下公司及／或屬下人員、董事及僱員可於本文件提及的任何金融工具持倉，並可不時增持或出售任何該等金融工具。„豐集團旗下公司可承諾包銷本文件所論述的任何公司證券（或相關金融工具）或作為市場莊家，並可以主事人身分向客戶銷售或購買該等證券或相關金融工具，同時亦可為該等或有關公司執行或要求執行投資銀行服務或包銷服務。NotesThisdocumenthasbeendistributedbyHSBCLife(International)Limited(‘theCompany’)intheconductofitsHongKongregulatedbusiness.Itisnotintendedforanyoneotherthantherecipientandshouldnotbedistributedbytherecipienttoanyotherpersons.Itmaynotbereproducedorfurtherdistributed,inwholeorpart,foranypurpose.ThisfundfactsheetincludesresearchreportsanddatapreparedbyHSBCGlobalAssetManagement(HongKong)Limited,HSBCProvidentFundTrustee(HongKong)LimitedandHangSengInvestmentManagementLimitedasindicatedineachoftherelevantreports.TheCompanyhasnotbeeninvolvedinthepreparationofsuchresearchreportsanddata.Theinformationcontainedwithinthisdocumenthasnotbeenreviewedinthelightofyourpersonalfinancialcircumstances.Ifyourequireinvestmentadviceyoushouldcontactyourprofessionaladvisers.Thisdocumentisnotandshouldnotbeconstruedasanoffertosellorsolicitationofanoffertopurchaseorsubscribeforanyinvestment.Expressionsofopinionhereinaresubjecttochangewithoutnotice.CompanieswithintheHSBCGroupand/ortheirofficers,directorsandemployeesmayhavepositionsinanyfinancialinstrumentsmentionedinthisdocumentandmayfromtimetotimeaddtoordisposeofanysuchfinancialinstruments.CompanieswithintheHSBCGroupmayactasmarketmakeroforhaveassumedanunderwritingcommitmentinthesecurities(orrelatedfinancialinstruments)ofanycompaniesdiscussedinthisdocument,maysellthemorbuythemfromcustomersonaprincipalbasisandmayalsoperformorseektoperforminvestmentbankingorunderwritingservicesfororrelatingtothosecompanies.成分基金之風險級數Riskratingforconstituentfunds
風險級數Riskrating:1=低風險lowrisk-此風險級數一般包含低波幅之投資；此類成分基金可能適合樂於承受低投資風險的成員。Thisrisklevelnormallycomprisesinvestmentswithlowvolatility.Thistypeofconstituentfundsmaybesuitableformemberswhoarehappytoacceptlowlevelofinvestmentrisk.2=低至中風險lowtomediumrisk-此風險級數一般包含低至中度波幅之投資；此類成分基金可能適合樂於承受低至中度投資風險的成員。Thisrisklevelnormallycomprisesinvestmentswithlowtomediumvolatility.Thistypeofconstituentfundsmaybesuitableformemberswhoarehappytoacceptlow-to-mediumlevelofinvestmentrisk.3=中度風險mediumrisk-此風險級數一般包含中度波幅之投資；此類成分基金可能適合樂於承受中度投資風險的成員。Thisrisklevelnormallycomprisesinvestmentswithmediumvolatility.Thistypeofconstituentfundsmaybesuitableformemberswhoarehappytoacceptmediumlevelofinvestmentrisk.4=中至高風險mediumtohighrisk-此風險級數一般包含中至高波幅之投資；此類成分基金可能適合樂於承受中度至高投資風險的成員。Thisrisklevelnormallycomprisesinvestmentswithmediumtohighvolatility.Thistypeofconstituentfundsmaybesuitableformemberswhoarehappytoacceptmedium-to-highlevelofinvestmentrisk.5=高風險highrisk-此風險級數一般包含高波幅之投資；此類成分基金可能適合樂於承受高投資風險的成員。Thisrisklevelnormallycomprisesinvestmentswithhighvolatility.Thistypeofconstituentfundsmaybesuitableformemberswhoarehappytoaccepthighlevelofinvestmentrisk.§強積金保守基金的收費及費用可(i)從基金資產中扣除或(ii)從成員賬戶中扣除基金單位。本基金採用方法(ii)，因此所匯報的單位價格、資產淨值或基金表現（載於基金概覽的基金表現數據除外）並未反映收費及費用在內。FeesandchargesofanM