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SuperTrust
Capital Preservation Fund
| Investment strategy | Investment risk | Fund type |
|---|---|---|
| Conservative | Low | Capital Preservation / money market fund |
Objective
The objective of the Capital Preservation Fund is to achieve a rate of return higher than that available for savings deposits, although returns are not guaranteed. This Fund shall be invested in an authorised unit trust comprised entirely of high grade Hong Kong dollars denominated monetary instruments such as treasury bills, bills of exchange, commercial paper, certificates of deposit or interbank deposits; and other ancillary investments as allowed under the General Regulation. Such investments will have an average portfolio remaining maturity of not more than 90 days.
Typical Asset Allocation
An authorised unit trust comprised entirely of high grade Hong Kong dollar denominated monetary instruments: 100%
Guaranteed Fund
| Investment strategy | Investment risk | Fund type |
|---|---|---|
| Conservative | Low | Guaranteed fund |
Objective
The objective of the Guaranteed Fund is to achieve long-term capital growth with low volatility whilst ensuring that the Guarantee is met. This Fund shall be invested in an insurance policy investing in a diversified portfolio that normally comprises global bonds, equities and cash.
Additional information
The insurer, HSBC Life (International) Limited, will declare a Guaranteed Interest Rate, which will never be less than 0%, at the beginning of each financial year. The Guaranteed Interest Rate will be applied to the Guaranteed Balance.
The higher of the Guaranteed Balance or the Actual Balance (the value of units held in the Guaranteed Fund) will be paid under the Guarantee Conditions*. The Actual Balance refers to the market value. The Guarantee will not apply to any amount that is withdrawn from the Guaranteed Fund other than under the Guarantee Conditions.
Members investing in the Guaranteed Fund who do not hold their investments until the date or events where one of the Guarantee Conditions set out in the Principal Brochure is met are subject to market fluctuation and investment risks.
*Guarantee Conditions
Transfer of balances to a recipient scheme on termination of employment, or withdrawal of mandatory and/or voluntary balances on:
- Termination of employment
- Reaching retirement age or normal retirement date
- Death
- Reaching early retirement date
- Total incapacity
- Permanent departure from the Hong Kong SAR
- Making a claim on small balance account under section 162(1)(c) of the General Regulation (in the event that an account balance is HKD5,000 or less, and provided that no mandatory contributions have been paid or are required to be paid in the past 12 months, and the member does not have any accrued benefits kept in any other registered scheme, and does not intend to become employed or self-employed within the foreseeable future.)
Typical Asset Allocation
Bonds:
Cash:
20-100%
0-80%
Guaranteed Interest Rate
1 July 2007 to 30 June 2008:
1 July 2008 to 30 June 2009:
0.25% p.a.
0.25% p.a.
Balanced Fund
| Investment strategy | Investment risk | Fund type |
|---|---|---|
| Moderate | Medium | Lifestyle/balanced fund |
Objective
The objective of the Balanced Fund is to achieve medium-high capital growth with medium volatility. This Fund shall be invested in an authorised unit trust investing in a diversified portfolio that normally comprises global bonds and equities with heavier weighting in equities. Such investments will be made through further pooled investment funds.
Typical Asset Allocation
Bonds and cash:
15-45%
Growth Fund
| Investment strategy | Investment risk | Fund type |
|---|---|---|
| Aggressive | Medium-high | Lifestyle/balanced fund |
Objective
The objective of the Growth Fund is to achieve investment returns that maximise long-term capital growth potential with medium-high volatility. This Fund shall be invested in an authorised unit trust investing in a diversified portfolio that normally comprises global equities, with an emphasis on Asian markets. Such investments will be made through further pooled investment funds.
Typical Asset Allocation
Bonds and cash:
0-30%
Hang Seng Index Tracking Fund
| Investment strategy | Investment risk | Fund type |
|---|---|---|
| Aggressive | High | Equity fund |
Objective
The objective of the Hang Seng Index Tracking Fund is to match as closely as practicable the performance of the Hang Seng Index by investing directly in an approved ITCIS with a similar investment objective or investing indirectly in an approved ITCIS with a similar investment objective through a pooled investment fund. Whilst the objective of the Hang Seng Index Tracking Fund and the underlying approved ITCIS is to track the Hang Seng Index, there can be no assurance that the performance of the Hang Seng Index Tracking Fund will at any time be identical to the Hang Seng Index.
Typical Asset Allocation
Constituent stocks of the Hang Seng Index and related financial instruments: 100%
Important Notes
- It is important that you read this website in conjunction with the Principal Brochure which contains more detailed information about HSBC MPF and the terms and conditions of our two master trust schemes, SuperTrust and SuperTrust Plus, including information on the fund structure, fees and charges.
- Additional voluntary contributions are accepted at the discretion of the Administrator and the Trustee.
- Investment involves risk. Past performance is no guide to future performance. Please refer to the Principal Brochure for details.
- If you are in doubt about the meaning or effect of the contents of this website, you should seek independent professional advice.
- If you would like to raise any concerns or make a complaint, you can write to or call the Administrator or the Trustee. The Administrator or the Trustee will then investigate the situation and take necessary actions as soon as practicable.
