The Hang Seng Mandatory Provident Fund – SuperTrust Plus is a mandatory provident fund scheme.
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.
You should consider your own risk tolerance level and financial circumstances before investing in the MPF Default Investment Strategy. You should note that the DIS constituent funds, namely, the Core Accumulation Fund and the Age 65 Plus Fund, may not be suitable for you, and there may be a risk mismatch between the DIS constituent funds and your risk profile (the resulting portfolio risk may be greater than your risk preference). You should seek financial and/or professional advice if you are in doubt as to whether the DIS is suitable for you, and make the investment decision most suitable for you taking into account your circumstances.
You should note that the implementation of the DIS may have an impact on your MPF investments and benefits. We recommend that you consult with the Trustee if you have doubts on how you are being affected.
The Guaranteed Fund 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 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 'Principal Brochure' for details of the credit risk.
The guarantee in the Guaranteed Fund only applies under certain conditions. Please refer to the ‘Guarantee features‘ section under ‘Guaranteed Fund‘ in Part II – Fund Structure of the ‘Principal Brochure’ for full details of the guarantee features and Guarantee Conditions, including the guarantee features in the context of payment of benefits in instalments.
MPF Benefits, AVC Benefits and TVC Benefits payable on a Member's 65th birthday or early retirement on or after his/her reaching age 60 can be paid in one lump sum or in instalments, at the Member's election (in such form and on such terms as the Trustee may, to the extent not prohibited by the 'MPF Ordinance' or General Regulation, prescribe). Please refer to the 'Payment of MPF Benefits, AVC Benefits and TVC Benefits' section under 'Payment of benefits' in Part I - Product Information of the 'Principal Brochure' for full details.
You should not invest based on the information shown on this application/webpage alone and should read the '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 'Principal Brochure'.
Merger of Hang Seng MPF schemes effective 1 July 2019
With effect from 1 July 2019, the Hang Seng Mandatory Provident Fund - ValueChoice (the "ValueChoice") has been merged into the Hang Seng Mandatory Provident Fund - SuperTrust Plus (the "SuperTrust Plus"). Six new constituent funds have been added to the SuperTrust Plus by replicating the corresponding constituent funds in the ValueChoice, increasing the total number of fund choices under the SuperTrust Plus to 20. These six new constituent funds and five of the existing matching constituent funds under the SuperTrust Plus share the same name, investment objective and policy, fee level and fees and charges structure as the 11 constituent funds under the ValueChoice before the merger.
For details, please refer to the scheme participants’ notice and frequently asked questions which are available at Hang Seng MPF website www.hangseng.com/empf.