Making your first fund investment? Keep this in mind
After searching high and low for the right investment product, you have decided to invest in Unit Trusts. But how should you begin? In Hong Kong, Unit Trusts can be subscribed through various channels. You can invest through the team of advisers working under fund managers, or subscribe through independent financial advisers. Most retail banks and private banks also offer one-stop subscription services based on the needs of individual customers.
However, investment involves risk, and you should consider your own investment objectives and level of risk tolerance before investing in Unit Trusts. You should also strive to understand the features, risk levels and risk-return relationships of different funds.
When you have mastered the basics of fund investment, you are ready to move to the next step - fund selection. You can take note of a fund’s track record, the fund manager's reputation, the team's investment process and experience, as well as the after-sale service. When you choose your fund, remember to read the marketing materials and terms and conditions of the fund carefully to make sure it best suits your needs. All in all, a successful investment is centered on in-depth understanding of the product.
The fees involved in the subscription of Unit Trusts usually comprise subscription fees, redemption fees, management fees and other fees. You can choose to subscribe with a lump sum or participate in monthly investment plans depending on your own needs.
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Additional risks are disclosed in the "Risk Disclosure" section. Please refer to "Risk Disclosure" section for details.
Bonds/CDs/Deposit Plus (DPS)/Capital Protected Investment Deposit (CPI)/Equity linked investments (ELI) and UT are not equivalent to time deposits. DPS/CPI/ELI/CDs are not protected deposits, and they are NOT protected by the Deposit Protection Scheme in Hong Kong. DPS/ELI are not principal protected.
Bonds and Certificate of Deposits (CDs) Risk Disclosure
Renminbi related products Risk Disclosure
China A Shares Risk Disclosure
Foreign Exchange Risk Disclosure
Margin FX Risk Disclosure
DPS and CPI Risk Disclosure
Equity Linked Investments Risk Disclosure
The following risks shoud be read together with the other risks contained in the "Risk Warnings section in the relevant offering documents of the ELIs
Unit Trusts Risk Disclosure
Risks associated with the MRF arrangement
Mainland China Equity risk
Risk associated with small-capitalisation/mid-capitalisation companies
Risk associated with ChiNext market
Mainland debt securities risks
Risks associated with repurchase and reverse repurchase transactions
The Hongkong and Shanghai Banking Corporation Limited is the issuer and product arranger of our ELIs.
The information contained in this material have not been reviewed by the Securities and Futures Commission of Hong Kong or any regulatory authority in Hong Kong.
Investment involves risk. The price of securities/structured products may move up or down. Losses may be incurred as well as profits made as a result of buying and selling securities/structured products.
You should carefully consider whether any investment products or services mentioned herein are appropriate for you in view of your investment experience, objectives, financial resources and circumstances.
The information in this material does not constitute a solicitation for making any deposit or an offer for the purchase or sale or investment in any products.