Retirement Planning

1. Investment involves risks.
2. If any optional benefits are chosen, you are required to answer health questions and additional premiums and charges are applicable. The Company reserves the right to accept or reject any applications for optional benefits based on information provided by the life insured or payor during application.
3. WealthInvest Insurance Plan and RetireIncome Annuity Plan are underwritten by HSBC Life (International) Limited. The Hongkong and Shanghai Banking Corporation Limited is an insurance agent authorised by HSBC Life (International) Limited.
4. WealthInvest Insurance Plan is authorised by the Securities and Futures Commission. Such authorisation does not imply official recommendation. For details including charges and risk factors, please refer to the relevant Principal Brochure.
5. RetireIncome Annuity Plan is underwritten by HSBC Life (International) Limited which is authorised and regulated by the Commissioner of Insurance of the Hong Kong SAR. The Hongkong and Shanghai Banking Corporation Limited is an insurance agent authorised by HSBC Life (International) Limited.
6. Investment involves risk. The offering documents of the funds should be read for further details. The price of units or shares and the income from them may go down as well as up and any past performance figures shown are not indicative of future performance. The information contained on this website is intended for Hong Kong residents only and should not be construed as a distribution, an offer to sell, or a solicitation to buy any securitis in any jurisdiction where such activities would be unlawful under the laws of such jurisdiction, in particular the United States of America. Please refer to the Unit Trust disclaimer for further important details.
7. A distribution fee of 1% - 1.25% p.a. and a 1% administration fee apply. The administration fee is only applicable for redemption takes place within the first year of investment.
8. The Bank will offer 1% reduction on the initial charge for new UTMIP setup via HSBC Internet Banking . This reduction on initial charge offer is only applicable to open-ended funds with initial charge of 5% or above. This initial charge reduction does not apply to funds under the "No Subscription Fee Series".
9. A 1% discount on the initial charges for all future monthly contributions will be offered by the Bank after 12 monthly contributions to your UTMIP reaching the total of at least HKD65,000 (including both monthly contributions and irregular lump sum contributions). This initial charge reduction does not apply to funds under the "No Subscription Fee Series".
10. "Fund Navigator" is a document which comprised of "Funds of the Quarter" which is a list of funds selected base on quantitative and qualitative evaluations of the funds' past performance and "Fund Flash" that highlights fund categories and funds available in HSBC as examples for reference. "Fund Navigator" should not be considered as buy or sell recommendations. Past performance is no guide to future performance. Content of "Fund Navigator" is updated on a quarterly basis.
11. A Structured Investment Deposit is not the same as nor should it be treated as a substitute for normal fixed time deposits. The return in relation to a deposit will depend upon market conditions prevailing at the relevant fixing time(s) during or in respect of the relevant deposit period. The level of the underlying asset may go up or down during such period and this will affect the return. The return may be less than would have been payable on a normal time deposit for the same period. You must be prepared to risk the interest that you might otherwise have earned on money invested as a deposit. If the deposit is not in your home currency, and you choose to convert it back to your home currency upon maturity, you may make a gain or loss due to exchange rate fluctuations. You should consider whether the product is suitable based on your risk appetite, investment experience and objectives. If you have any concerns about the product you should consult your professional advisers.
12. EarlyIncome Annuity Plan is underwritten by HSBC Life (International) Limited which is authorised and regulated by the Commissioner of Insurance of the Hong Kong SAR. The Hongkong and Shanghai Banking Corporation Limited is an insurance agent authorised by HSBC Life (International) Limited.

Note: Investment involves risks. Past performance is no guide to future performance. Investors must refer to the respective fund's offering documents for further details oft eh fund and the risks involved.