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Lower Minimum
Investment Amount Invest in your chosen investment fund1 with monthly investment amount as low as HKD500. You can settle your payment using your (1) Hang Seng Bank or HSBC HKD account2, or (2) Hang Seng Credit Cards3.
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Flexible to Your Needs
No minimum investment holding period and termination charge. You may adjust your investment plan according to your needs.
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Reduce Impact of Market Volatility
Dollar Cost Averaging helps smooth out the effect of short-term market fluctuations on your investment. Learn more with our Analytical Tool.
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![]() Reduce Market Volatility Impact |
By adopting the Dollar Cost Averaging strategy, you may choose your preferred fund and contribute a fixed amount of money each month. The number of fund units bought will be automatically adjusted depending on the market change. More units will be bought when the price of the fund declines, and less units will be bought when the price increases.
Example of Monthly Investment Plan for Funds (for reference only) Mr. Chan invests a fixed amount of $1,000 monthly on Fund A, the performance of Fund A in 6 months is shown below:
Remark: the above information is for reference only and will not reflect actual returns. |
![]() Lower Investment Costs |
Monthly Investment Plan for Funds allows you to start your investment plan with a monthly investment amount as low as HKD500, and subscription fee as low as HKD10*.
*Subscription fee as low as 2%, depending on the fund type |
![]() Earn Cash Dollar |
Pay with Hang Seng credit cards3 and earn Cash Dollars^ at the same time.
^Reward Points instead of Cash Dollars would be applicable for enJoy Visa Platinum Card and enJoy Spending Card. |
![]() Diversify Investment Risk |
Build your investment portfolio with funds of different asset classes, markets, and risk levels to diversify the investment risk.
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Monthly Investment Plan for Funds Details
Minimum Investment Amount |
HKD500 for each fund per month |
Funds Selection4 |
Various investment funds1 provided by Hang Seng Investment Management Limited and other leading fund houses including different asset classes, markets and risk levels# |
Account Opening Method |
Open an Investment Fund account through Hang Seng Personal e-Banking |
Payment Method5 |
1. Hang Seng Bank or HSBC Hong Kong Dollar account2 |
Payment Date |
The 15th calendar day of each month |
Subscription Date |
The third Business Day following the Payment Date |
Monthly Investment Amount or Investment Portfolio Adjustment |
Instruction received on or before the last Business Day of the relevant month will be effective on the Payment Date for the next month |
Redemption6 |
Redemption proceeds will be credited to customer's account within around 10 working days after the day units in the relevant fund are redeemed. The actual processing time will depend on individual fund's operation situation; generally it will not exceed one calendar month. |
Termination of the Monthly Investment Plan for Funds |
Instruction received on or before the last Business Day of the relevant month will be effective on the Payment Date for the next month. |
# Please refer to the Fund List in Fund SuperMart for the relevant details.
Fee Table7
Fund Subscription Fee Offer8 |
Please visit Fund SuperMart and refer to the relevant fund’s offering documents.
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Switching11 Handling Fee12 |
1% |
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Fee for Partial or Full Redemption |
Nil |
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Fee for Monthly Investment Amount or Investment Portfolio Adjustment |
Nil |
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Fee for MIPF Termination |
Nil |