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Right now, you are focused on giving a hundred per cent in everything you do. Like most people, you probably think that building a great life for yourself and your family demands nothing less. Other things can wait.
In fact, what you need to do is make the most of every moment you spend with your loved ones, starting today. Because the things that truly matter deserve the here and now.
The world is ever changing. And where there is change, there is growth and innovation. Hang Seng Wealth Management understands that the key to helping you build the life you want is giving you the flexibility you need.
With a wealth strategy that combines investment and insurance, you can create a monthly income stably, add value to what you will achieve in the future and with whole-life protection by different wealth management products. Most importantly, you will be able to turn your attention to what matters most – all the little great stories that true happiness is made of.
In fact, what you need to do is make the most of every moment you spend with your loved ones, starting today. Because the things that truly matter deserve the here and now.
The world is ever changing. And where there is change, there is growth and innovation. Hang Seng Wealth Management understands that the key to helping you build the life you want is giving you the flexibility you need.
With a wealth strategy that combines investment and insurance, you can create a monthly income stably, add value to what you will achieve in the future and with whole-life protection by different wealth management products. Most importantly, you will be able to turn your attention to what matters most – all the little great stories that true happiness is made of.
LegendPower Life Insurance Plan
- Projected annualised total rate of return of up to 7% for potential long-term capital growth*
- Unlimited Changes of the Life Insured to allow seamless wealth accumulation across generations
- Guaranteed acceptance up to age 80^ without any requirement for a medical examination
*The projected annualised total rate of return at the end of Policy Year 70 is up to 7%. It is not guaranteed, for single premium policy in USD and assumes that during the policy term: a) all premiums are paid in full when due; b) no benefit has been paid and no partial surrender has been made; c) no policy loan has been taken; d) no policy changes has been made; e) no Policy Value Management Option has been exercised.
^Applicable to policies paid by single premium and 3-year payment terms.
The above Life Insurance Plan is underwritten by Hang Seng Insurance Company Limited. Terms and Conditions apply. Please note the relevant product risks. Please click hereclick hereclick here or contact our branch staff for details of LegendPower Life Insurance Plan.
^Applicable to policies paid by single premium and 3-year payment terms.
The above Life Insurance Plan is underwritten by Hang Seng Insurance Company Limited. Terms and Conditions apply. Please note the relevant product risks. Please click hereclick hereclick here or contact our branch staff for details of LegendPower Life Insurance Plan.
IncomePower Life Insurance Plan
- Non-guaranteed Monthly Income to be paid regularly starting from the 25th monthiversary, brining you 48 years# of non-guaranteed income of up to 5% per annum#
- Medical Advance Benefit covering three major critical illnesses+
- Easy Application with Guaranteed Acceptance
#Non-guaranteed Monthly Income is payable on each monthiversary starting from the 25th monthiversary until policy maturity (i.e. 50th monthiversary). The annual total income is projected to be 5% of the Total Premiums Paid, based on the assumptions of a USD policy, single premium payment, and our prevailing projections for investment returns and dividend rates. This is not guaranteed and Hang Seng Insurance Company Limited has the absolute discretion in making such distributions. The future actual benefit may be higher or lower.
+Including cancer, heart disease, stroke or continuous hospitalisation of 25 days or above.
The above Life Insurance Plan is underwritten by Hang Seng Insurance Company Limited. Terms and Conditions apply. Please note the relevant product risks. Please click hereclick hereclick here or contact our branch staff for details of IncomePower Life Insurance Plan.
+Including cancer, heart disease, stroke or continuous hospitalisation of 25 days or above.
The above Life Insurance Plan is underwritten by Hang Seng Insurance Company Limited. Terms and Conditions apply. Please note the relevant product risks. Please click hereclick hereclick here or contact our branch staff for details of IncomePower Life Insurance Plan.
Fixed Income Funds
- Choose from more than 60 fixed income funds2, providing you with potential returns
Wealth Management Services
Newly launched a Wealth Master with different features, like Portfolio Analysis, Past Performance Analysis and Comparison with Reference portfolio, to help you better diversified your portfolio.
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Portfolio Analysis
Wealth Master will provide an overview of your portfolio to let you understand the asset concentration, analyze past performance, and help to rebalance your desired portfolio.
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Historical Scenario & Past Performance Analysis of Asset Allocation
The analysis offers you a comprehensive performance review and back testing, such as simulated historic portfolio returns, historical scenario analysis and benchmark comparison.
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Comparison of Current Portfolio vs Reference Portfolio
A reference portfolio is generated by our bank’s specialist team in order to give reference to you for diversification.
You can contact your dedicated Relationship Manager through multiple channels via Prestige RM Connect.
After simple confirmation without downloading extra apps, you can start instant messaging with your dedicated Relationship Manager via WhatsApp or official WeChat Mini Program.
You can also contact your Relationship Manager via Zoom to understand the latest market information for the portfolio review, conduct a Financial Health Check, and subscribe for investment products, etc.
After simple confirmation without downloading extra apps, you can start instant messaging with your dedicated Relationship Manager via WhatsApp or official WeChat Mini Program.
You can also contact your Relationship Manager via Zoom to understand the latest market information for the portfolio review, conduct a Financial Health Check, and subscribe for investment products, etc.
Our 24-hour Wealth Service Team is ready to support your needs round the clock. Services include:
- Help you plan your wealth and explore suitable management solutions
- Subscribe for and redeem investment funds, bonds and other wealth management products
- Complete or update your risk profiling record to understand your risk appetite and investment needs
- Complete a Financial Health Check to evaluate your financial position and set your goals
- Provide market information and house views as reference
Talk to a member of our 24-hour Wealth Service Team via Click-to-Call or Live Chat on Hang Seng Mobile App, or by calling (852) 2998 9188 to manage your wealth anytime
- Wealth Master aims to help customers understand their asset allocation and facilitate their investment planning to achieve their own financial goals. No asset allocation and/or product recommendation will be made by Hang Seng Bank Limited (the “Bank”). No representation is made to the appropriateness of any of the securities and/or investment products referred to herein for any particular person’s circumstances. The information of Wealth Master is for general reference only and information presented is not indicative of future performance of any assets. There is no guarantee that target portfolio can achieve any results or can be used as reference under any market conditions. Wealth Master does not and is not intended to provide any professional financial, investment or other opinion or advice, nor should it be considered as a recommendation to deal in any investment products, investment portfolio management service or ongoing portfolio monitoring services. No financial or investment decision should be made solely based on Wealth Master (including the results). Investment involves risks (including the possibility of loss of the capital invested). Investors should read in detail of the the Risk Disclosure Statement of the relevant investment products.
- As of 7 December 2023, Fixed Income Funds are dividend-paying funds defined as "Bond Funds" based on fund type in "Hang Seng Fund SuperMart". General speaking, fixed income fund is a bond fund with fixed distribution policy for income distribution. Fixed income funds fit for customers who seek recurring income as their primary investment objective. The fund manager will allocate a proportion of your assets to dividend-paying stocks, bonds, other fixed-income securities, and currencies for a more stable potential dividend income. Past dividend income record is for information and reference only and there can be no guarantee in respect of the amount of income distribution and the distribution policy may change. Income distribution is subject to the fund manager’s discretion. For more details, please visit How to build a dividend paying portfolio| Hang Seng Bank
- Capital protected structured products refer to structured products where the principal is guaranteed by holding the relevant products until maturity. Not all structured products are capital protected upon maturity. The Bank also provides other non-capital protected structured products. For details, please contact our staff.
Certain structured products are available to Professional Investors only. Customer is eligible to be a Retail Banking Professional Investor in Hang Seng Bank only if his/her single account or joint account with any of his/her associates’ such as spouse or any child that had a portfolio of not less than HKD8,000,000 or its equivalent in any foreign currency within the past 12 months. Portfolio includes but not limited to cash, securities, bonds, funds, structured products, paper gold and CDs. Customer’s Professional Investor status is subject to the Bank’s validation on the Customer’s portfolio of securities and money. To register as a Professional Investor, you may visit any of our Bank's branches or contact your Relationship Manager if you are our Prestige Banking customer.
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Notes：
- The document by itself is not and should not be considered as an offer, recommendation or solicitation to deal in any of the investment and insurance products or services mentioned herein.
- Terms and conditions apply. Please approach our branch staff for enquiries.
- Hang Seng Bank Limited (the “Bank”) reserves the right to suspend, vary or terminate this promotion and the related offers and to amend their terms and conditions at any time without prior notice. In case of disputes, the decision of the Bank shall be final.
- The contents of this document have not been reviewed by any regulatory authority in Hong Kong.
- This material is not intended to provide or regard as legal or taxation advice, or investment recommendations.
- The promotion is intended for persons in Hong Kong.
Disclosure of Information of Life Insurance Plans:
The above information is a product summary of information for reference only. The Plan is intended only for sale in the Hong Kong SAR. It shall not be construed as an offer to sell or solicitation of an offer or recommendation to purchase or sale or provision of any products of Hang Seng Insurance Company Limited (“Hang Seng Insurance”). Please refer to the promotion leaflets/flyers and contracts for the important information such as detailed coverage, exact Terms and Conditions and exclusions of the relevant Life Insurance Plan. Please refer to the product brochure for the relevant product risks.
The above Life Insurance Plan is underwritten by Hang Seng Insurance. Hang Seng Insurance is authorised and regulated by the Insurance Authority of the HKSAR. Hang Seng Bank is an insurance agent authorised by Hang Seng Insurance and the insurance products are the products of Hang Seng Insurance but not Hang Seng Bank. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between Hang Seng Bank and you out of the selling process or processing of the related insurance product transaction, Hang Seng Bank will enter into a Financial Dispute Resolution Scheme process with you; however any dispute over the contractual terms of the insurance products should be resolved between Hang Seng Insurance and you directly. If you surrender the Policy after the expiry of the cooling-off period, the surrender proceeds to be received may be significantly less than the Total Premiums Paid. Please refer to the illustration summary of this Plan for the projected surrender values.
Remark: The benefits and/or returns mentioned throughout this material are not guaranteed and for illustrative purpose only. The actual future amounts of benefits and/or returns may be lower than or higher than the currently quoted benefits and/or returns. The policyholder is subject to the credit risk of Hang Seng Insurance. If the policyholder discontinues and/or surrenders this policy in early policy years, the amount of benefits he/she will get back may be considerably less than the total premiums he/she has paid. All details regarding policy surrender should be referred to the relevant policy provisions.
The above information is a product summary of information for reference only. The Plan is intended only for sale in the Hong Kong SAR. It shall not be construed as an offer to sell or solicitation of an offer or recommendation to purchase or sale or provision of any products of Hang Seng Insurance Company Limited (“Hang Seng Insurance”). Please refer to the promotion leaflets/flyers and contracts for the important information such as detailed coverage, exact Terms and Conditions and exclusions of the relevant Life Insurance Plan. Please refer to the product brochure for the relevant product risks.
The above Life Insurance Plan is underwritten by Hang Seng Insurance. Hang Seng Insurance is authorised and regulated by the Insurance Authority of the HKSAR. Hang Seng Bank is an insurance agent authorised by Hang Seng Insurance and the insurance products are the products of Hang Seng Insurance but not Hang Seng Bank. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between Hang Seng Bank and you out of the selling process or processing of the related insurance product transaction, Hang Seng Bank will enter into a Financial Dispute Resolution Scheme process with you; however any dispute over the contractual terms of the insurance products should be resolved between Hang Seng Insurance and you directly. If you surrender the Policy after the expiry of the cooling-off period, the surrender proceeds to be received may be significantly less than the Total Premiums Paid. Please refer to the illustration summary of this Plan for the projected surrender values.
Remark: The benefits and/or returns mentioned throughout this material are not guaranteed and for illustrative purpose only. The actual future amounts of benefits and/or returns may be lower than or higher than the currently quoted benefits and/or returns. The policyholder is subject to the credit risk of Hang Seng Insurance. If the policyholder discontinues and/or surrenders this policy in early policy years, the amount of benefits he/she will get back may be considerably less than the total premiums he/she has paid. All details regarding policy surrender should be referred to the relevant policy provisions.
Risk Disclosure of Investment Funds:
Investors should note that all investments involve risks (including the possibility of loss of the capital invested), prices or value of investment fund units may go up as well as down and past performance information presented is not indicative of future performance. Investors should read carefully and understand the relevant offering documents of the investment funds (including the fund details and full text of the risk factors stated therein) and the Notice to Customers for Fund Investing before making any investment decision. Investment funds are investment products and some may involve derivatives. Investors should carefully consider their own circumstances whether an investment is suitable for them in view of their own investment objectives, investment experience, preferred investment tenor, financial situation, risk tolerance abilities, tax implications and other needs, etc., and should understand the nature, terms and risks of the investment products. Investors should obtain independent professional advice if they have concerns about their investment.
Investors should note that all investments involve risks (including the possibility of loss of the capital invested), prices or value of investment fund units may go up as well as down and past performance information presented is not indicative of future performance. Investors should read carefully and understand the relevant offering documents of the investment funds (including the fund details and full text of the risk factors stated therein) and the Notice to Customers for Fund Investing before making any investment decision. Investment funds are investment products and some may involve derivatives. Investors should carefully consider their own circumstances whether an investment is suitable for them in view of their own investment objectives, investment experience, preferred investment tenor, financial situation, risk tolerance abilities, tax implications and other needs, etc., and should understand the nature, terms and risks of the investment products. Investors should obtain independent professional advice if they have concerns about their investment.
Risk Disclosure of Structured Products:
Structured Products involve derivatives. The investment decision is yours but you should not invest in a Structured Product unless the intermediary who sells it to you has explained to you that the Structured Product is suitable for you having regard to your financial situation, investment experience and investment objectives. Structured Product is a complex product and you should exercise caution in relation to Structured Products. The market value of the Structured Products may fluctuate and investors may sustain a total loss of their investment. Prospective investors should therefore ensure that they understand the nature of the Structured Products and carefully study the risk factors set out in the offering documents for the Structured Products and, where necessary, seek independent professional advice, before they decide whether to invest in any Structured Products. If you purchase the Structured Products, you are relying upon the creditworthiness of the Issuer of the Structured Products.
Liquidity risk - Structured Products are designed to be held to its maturity. You may not be able to sell your investment in the Structured Products before maturity. If you try to sell the Structured Products before maturity, the amount you receive may be substantially less than the investment amount you paid for the Structured Products.
Credit risk of the Structured Products issuer - Structured Products constitute general unsecured and unsubordinated contractual obligations of the issuer. When you buy Structured Products, you will be relying on the creditworthiness of the Structured Products issuer and of no other person. You have no rights under the terms and conditions of the Structured Products against any issuer of any linked underlying(s). If the relevant Structured Products issuer becomes insolvent or default on its obligations under the Structured Products, in the worst case scenario, you could lose all of your investment.
Not the same as investing in linked underlying(s) - Investing in Structured Products is not the same as investing in the linked underlying(s). Changes in the market price or level of any linked underlying(s) may not lead to a corresponding change in the market value of, or your potential gain or loss under, the Structured Products.
Before making any investment, investors should i) read and fully understand all the offering documents relating to Structured Products and all the risk disclosure statements and risk warnings therein; and ii) make investment decisions in light of your own investment objectives, financial position and particular needs and where necessary consult your own professional advisers before investing.
Structured Products involve derivatives. The investment decision is yours but you should not invest in a Structured Product unless the intermediary who sells it to you has explained to you that the Structured Product is suitable for you having regard to your financial situation, investment experience and investment objectives. Structured Product is a complex product and you should exercise caution in relation to Structured Products. The market value of the Structured Products may fluctuate and investors may sustain a total loss of their investment. Prospective investors should therefore ensure that they understand the nature of the Structured Products and carefully study the risk factors set out in the offering documents for the Structured Products and, where necessary, seek independent professional advice, before they decide whether to invest in any Structured Products. If you purchase the Structured Products, you are relying upon the creditworthiness of the Issuer of the Structured Products.
Liquidity risk - Structured Products are designed to be held to its maturity. You may not be able to sell your investment in the Structured Products before maturity. If you try to sell the Structured Products before maturity, the amount you receive may be substantially less than the investment amount you paid for the Structured Products.
Credit risk of the Structured Products issuer - Structured Products constitute general unsecured and unsubordinated contractual obligations of the issuer. When you buy Structured Products, you will be relying on the creditworthiness of the Structured Products issuer and of no other person. You have no rights under the terms and conditions of the Structured Products against any issuer of any linked underlying(s). If the relevant Structured Products issuer becomes insolvent or default on its obligations under the Structured Products, in the worst case scenario, you could lose all of your investment.
Not the same as investing in linked underlying(s) - Investing in Structured Products is not the same as investing in the linked underlying(s). Changes in the market price or level of any linked underlying(s) may not lead to a corresponding change in the market value of, or your potential gain or loss under, the Structured Products.
Before making any investment, investors should i) read and fully understand all the offering documents relating to Structured Products and all the risk disclosure statements and risk warnings therein; and ii) make investment decisions in light of your own investment objectives, financial position and particular needs and where necessary consult your own professional advisers before investing.
Risk Disclosure of Bond and Certificate of Deposit Product:
Bonds and Certificates of Deposit (CDs) are investment products. The investment decision is yours but you should not invest in a bond/CD unless the intermediary who sells it to you has explained to you that the bond/CD is suitable to you having regard to your financial situation, investment experience and investment objectives. Your intermediary is under a duty to assure that you understand the nature and risks of this product, and that you have sufficient net worth to be able to assume the risks and bear the potential losses of trading in this product.
Bonds are not deposits and should not be treated as substitute for conventional time deposits.
Certificate of Deposit is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong.
Investors who purchase bonds/CDs are exposed to the credit risk of the issuer and guarantor (if any) of the bonds/CDs. There is no assurance of protection against a default by the issuer/guarantor in respect of the repayment obligations. In the worst case scenario, any failure by the issuer and the guarantor (if any) to perform their respective obligations under the bonds/CDs when due may result in a total loss of all of your investment.
Renminbi (RMB) is not a freely convertible currency. As such, investors trading bonds and/or CDs denominated in RMB are subject to additional risks (such as currency risk).
The above is not an exhaustive list of risk factors. Please refer to the section on “Risk Factors” in the relevant “Bond / Certificate of Deposit Trading Services” Factsheet to understand other risk factors applicable to bonds and CDs.
The information displayed does not constitute nor is it intended to be construed as any professional advice, offer, solicitation or recommendation to deal in Bonds / CDs. Investors should be aware that all investments involve risks (including the possibility of loss of the capital invested). The prices of Bonds and CDs may go up as well as down and past performance is not indicative of future performance. Investors should not only base on this information alone to make investment decisions, and should carefully consider whether an investment is suitable for them in view of their own investment objectives, investment experience, investment tenor, financial situation, risk tolerance abilities, tax implications and other needs, etc., and should read the relevant product offering documents and terms and conditions (including the full text of the risk factors therein) in detail before making any investment decisions. Investors should obtain independent professional advice if they have concerns about their investment.
No guarantee, representation, warranty or undertaking, express or implied, is made as to the fairness, accuracy, timeliness, completeness or correctness of any general financial and market information, news services and market analysis, projections and/or opinions (“Market Information”) provided above and the basis upon which any such Market Information have been made, and no liability or responsibility is accepted by the Bank in relation to the use of or reliance on any such Market Information whatsoever provided in the webinar.
Investors must make their own assessment of the relevance, accuracy and adequacy of the information provided and make such independent research/investigations as they may consider necessary or appropriate for the purpose of such assessment. The Bank does not make any representation or recommendation or assessment as to whether or not any of the investment(s) mentioned are suitable or applicable to any persons and thus shall not be held responsible in this regard.
Bonds and Certificates of Deposit (CDs) are investment products. The investment decision is yours but you should not invest in a bond/CD unless the intermediary who sells it to you has explained to you that the bond/CD is suitable to you having regard to your financial situation, investment experience and investment objectives. Your intermediary is under a duty to assure that you understand the nature and risks of this product, and that you have sufficient net worth to be able to assume the risks and bear the potential losses of trading in this product.
Bonds are not deposits and should not be treated as substitute for conventional time deposits.
Certificate of Deposit is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong.
Investors who purchase bonds/CDs are exposed to the credit risk of the issuer and guarantor (if any) of the bonds/CDs. There is no assurance of protection against a default by the issuer/guarantor in respect of the repayment obligations. In the worst case scenario, any failure by the issuer and the guarantor (if any) to perform their respective obligations under the bonds/CDs when due may result in a total loss of all of your investment.
Renminbi (RMB) is not a freely convertible currency. As such, investors trading bonds and/or CDs denominated in RMB are subject to additional risks (such as currency risk).
The above is not an exhaustive list of risk factors. Please refer to the section on “Risk Factors” in the relevant “Bond / Certificate of Deposit Trading Services” Factsheet to understand other risk factors applicable to bonds and CDs.
The information displayed does not constitute nor is it intended to be construed as any professional advice, offer, solicitation or recommendation to deal in Bonds / CDs. Investors should be aware that all investments involve risks (including the possibility of loss of the capital invested). The prices of Bonds and CDs may go up as well as down and past performance is not indicative of future performance. Investors should not only base on this information alone to make investment decisions, and should carefully consider whether an investment is suitable for them in view of their own investment objectives, investment experience, investment tenor, financial situation, risk tolerance abilities, tax implications and other needs, etc., and should read the relevant product offering documents and terms and conditions (including the full text of the risk factors therein) in detail before making any investment decisions. Investors should obtain independent professional advice if they have concerns about their investment.
No guarantee, representation, warranty or undertaking, express or implied, is made as to the fairness, accuracy, timeliness, completeness or correctness of any general financial and market information, news services and market analysis, projections and/or opinions (“Market Information”) provided above and the basis upon which any such Market Information have been made, and no liability or responsibility is accepted by the Bank in relation to the use of or reliance on any such Market Information whatsoever provided in the webinar.
Investors must make their own assessment of the relevance, accuracy and adequacy of the information provided and make such independent research/investigations as they may consider necessary or appropriate for the purpose of such assessment. The Bank does not make any representation or recommendation or assessment as to whether or not any of the investment(s) mentioned are suitable or applicable to any persons and thus shall not be held responsible in this regard.
Risk Disclosure of MaxiInterest Investment Deposit:
This is a structured product involving derivatives. The investment decision is yours but you should not invest in the MaxiInterest Investment Deposit unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives. Investors should read the relevant Important Facts Statement, Terms and Conditions and risk disclosure statement before making any investment decision.
Investors should note that this product is not capital protected and is not a normal time deposit, and thus should not be considered as normal time deposit or its alternative.
Earnings on this product are limited to the nominal interest payable. As the principal and the earning will be paid in the Deposit Currency or the Linked Currency, whichever has depreciated against the other, investors will have to bear the potential losses due to currency depreciation, which may be substantial. If the product is withdrawn before maturity, investors will also have to bear the costs involved. Such losses and costs may reduce the earnings and the principal amount of this product. Investors should seek professional advice where necessary. The relevant Terms and Conditions of this product are available upon request to the staff of the Bank.
This product is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong.
Investment in this product is subject to the credit risk of the Bank.
Renminbi (RMB) is subject to foreign exchange control by the PRC government and thus investors investing in the MaxiInterest Investment Deposit involving RMB are subject to the currency risk of RMB.
This is a structured product involving derivatives. The investment decision is yours but you should not invest in the MaxiInterest Investment Deposit unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives. Investors should read the relevant Important Facts Statement, Terms and Conditions and risk disclosure statement before making any investment decision.
Investors should note that this product is not capital protected and is not a normal time deposit, and thus should not be considered as normal time deposit or its alternative.
Earnings on this product are limited to the nominal interest payable. As the principal and the earning will be paid in the Deposit Currency or the Linked Currency, whichever has depreciated against the other, investors will have to bear the potential losses due to currency depreciation, which may be substantial. If the product is withdrawn before maturity, investors will also have to bear the costs involved. Such losses and costs may reduce the earnings and the principal amount of this product. Investors should seek professional advice where necessary. The relevant Terms and Conditions of this product are available upon request to the staff of the Bank.
This product is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong.
Investment in this product is subject to the credit risk of the Bank.
Renminbi (RMB) is subject to foreign exchange control by the PRC government and thus investors investing in the MaxiInterest Investment Deposit involving RMB are subject to the currency risk of RMB.
Risk Disclosure of Capital Protected Investment Deposit:
This is a structured product involving derivatives. The investment decision is yours but you should not invest in the Capital Protected Investment Deposit unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives. Investor should read the Important Facts Statement of the relevant investment type, the relevant term sheet, Terms and Conditions and risk disclosure statement before making any investment decision.
Investor should note that this product is not normal time deposit and thus should not be considered as normal time deposit or its alternative.
This product is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong.
Investment in this product is subject to the credit risk of the Bank.
Renminbi (RMB) is subject to foreign exchange control by the PRC government and thus investors investing in the Currency-Linked Capital Protected Investment Deposit involving RMB are subject to the currency risk of RMB.
This is a structured product involving derivatives. The investment decision is yours but you should not invest in the Capital Protected Investment Deposit unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives. Investor should read the Important Facts Statement of the relevant investment type, the relevant term sheet, Terms and Conditions and risk disclosure statement before making any investment decision.
Investor should note that this product is not normal time deposit and thus should not be considered as normal time deposit or its alternative.
This product is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong.
Investment in this product is subject to the credit risk of the Bank.
Renminbi (RMB) is subject to foreign exchange control by the PRC government and thus investors investing in the Currency-Linked Capital Protected Investment Deposit involving RMB are subject to the currency risk of RMB.
Important Risk Warnings in relation to Securities Investment:
Investors should note that investment involves risks. The prices of securities fluctuate, sometimes dramatically. The price of a security may move up or down, and may become valueless. It is as likely that losses will be incurred rather than profit made as a result of buying and selling securities.
Investors should note that investing in different Renminbi-denominated securities and products involves different risks (including but are not limited to currency risk, exchange rate risk, credit risk of issuer / counterparty, interest rate risk, liquidity risk (where appropriate)). The key risks of investing in securities via the Stock Connect Northbound Trading include:
Once the respective quota is used up, trading will be affected or will be suspended.
Stock Connect Northbound Trading will only operate on days when both markets are open for trading. Investors should take note of the days the Stock Connect Northbound Trading is open for business and decide according to their own risk tolerance whether or not to take on the risk of price fluctuations in securities during the time when Stock Connect Northbound Trading is not trading.
When a security is recalled from the scope of eligible securities for trading via Stock Connect Northbound Trading, that security can only be sold but NOT bought.
Investors will be exposed to currency risk if conversion of the local currency into RMB is required.
Foreign securities carry additional risks not generally associated with securities in the domestic market. The value or income (if any) of foreign securities may be more volatile and could be adversely affected by changes in many factors. Client assets received or held by the licensed or registered person outside Hong Kong are subject to the applicable laws and regulations of the relevant overseas jurisdiction which may be different from the Securities and Futures Ordinance (Cap.571) and the rules made thereunder. Consequently, such client assets may not enjoy the same protection as that conferred on client assets received or held in Hong Kong.
Investors should not only base on this material alone to make any investment decision, but should read in detail in the relevant risk disclosure statements.
Investors should note that investment involves risks. The prices of securities fluctuate, sometimes dramatically. The price of a security may move up or down, and may become valueless. It is as likely that losses will be incurred rather than profit made as a result of buying and selling securities.
Investors should note that investing in different Renminbi-denominated securities and products involves different risks (including but are not limited to currency risk, exchange rate risk, credit risk of issuer / counterparty, interest rate risk, liquidity risk (where appropriate)). The key risks of investing in securities via the Stock Connect Northbound Trading include:
Once the respective quota is used up, trading will be affected or will be suspended.
Stock Connect Northbound Trading will only operate on days when both markets are open for trading. Investors should take note of the days the Stock Connect Northbound Trading is open for business and decide according to their own risk tolerance whether or not to take on the risk of price fluctuations in securities during the time when Stock Connect Northbound Trading is not trading.
When a security is recalled from the scope of eligible securities for trading via Stock Connect Northbound Trading, that security can only be sold but NOT bought.
Investors will be exposed to currency risk if conversion of the local currency into RMB is required.
Foreign securities carry additional risks not generally associated with securities in the domestic market. The value or income (if any) of foreign securities may be more volatile and could be adversely affected by changes in many factors. Client assets received or held by the licensed or registered person outside Hong Kong are subject to the applicable laws and regulations of the relevant overseas jurisdiction which may be different from the Securities and Futures Ordinance (Cap.571) and the rules made thereunder. Consequently, such client assets may not enjoy the same protection as that conferred on client assets received or held in Hong Kong.
Investors should not only base on this material alone to make any investment decision, but should read in detail in the relevant risk disclosure statements.
Foreign Currency risk:
Foreign Exchange involves exchange rate risk. Fluctuations in the exchange rate of a foreign currency may result in gains or losses in the event that the customer converts his or her deposit into Hong Kong Dollars upon maturity.
Foreign Exchange involves exchange rate risk. Fluctuations in the exchange rate of a foreign currency may result in gains or losses in the event that the customer converts his or her deposit into Hong Kong Dollars upon maturity.