Important Notes
The Hang Seng 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 Hang Seng Mandatory Provident Fund – SuperTrust and SuperTrust Plus 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 this document alone and should read the relevant ‘Principal Brochure’.
Investment involves risks. Past performance is not indicative of future performance. The value of financial instruments, in particular stocks and shares, and any income from such financial instruments, may go down as well as up. For further details including the product features and risks involved, please refer to the relevant ‘Principal Brochure’.






i.
Low fee funds are funds with a Fund Expense Ratio (FER) ≦1.3% or current management fees ≦1% (as at 31 March 2015) (source: the Low Fee Fund List of the Mandatory Provident Fund Schemes Authority).
ii.
The Total Relationship Balance is the monthly aggregate balance of the daily average of all deposits, gold accounts, securities, investment funds, utilized overdraft facilities, credit card cash advances, outstanding balance of personal loans and the accumulated premiums paid for the designated life insurance plans distributed by Hang Seng Bank as an agent as well as Hang Seng MPF balance. For sole name Integrated Account holders, their other joint name account(s) will also be included.
iii.
Integrated Accounts include Prestige Banking, Preferred Banking or Integrated Account.
iv.
A preferential rate on the management fees is applicable to Balanced Fund, Flexi-Managed Fund, Growth Fund, Guaranteed Fund, Stable Fund and Stable Growth Fund under Hang Seng Mandatory Provident Fund – SuperTrust Plus and/or SuperTrust. The discount on the management fees will be refunded as ‘special bonus’ in the form of fund units allocation each month. The ‘special bonus’ is part of the account balance and will be subject to relevant fees and charges applicable to Hang Seng Mandatory Provident Fund – SuperTrust Plus and SuperTrust.

Note: Investment involves risks. Past performance is not indicative of future performance. The value of financial instruments, in particular stocks and shares, and any income from such financial instruments, may go down as well as up. For further details including the product features and risks involved, please refer to the relevant ‘Principal Brochure’.

Issued by Hang Seng Bank Limited