Investment involves risk (including the possibility of loss of the capital invested). Prices of investment products may go up as well as down and may even become valueless. Past performance information presented is not indicative of future performance. Investors should not only base on this marketing material alone to make any investment decision, but should read in detail the offering documents and the Risk Disclosure Statement of the relevant investment products.
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.
Why invest in funds?
Professional fund management
The professional fund manager and team in charge will make use of their expertise to identify assets with good potential for investment, and then rebalance the portfolio in tune with economic and market trends, in order to manage risks and generate returns in line with the fund’s investment objectives.
Diversification
Investment funds may perform better in risk diversification, as a fund can invest in a variety of sectors and countries at the same time. Even when an individual stock or bond are affected by the emergence of certain adverse factors, the associated losses can be offset by profits from other holdings in the fund.
Fund type
Putting your eggs in different baskets
Funds can invest in a variety of sectors and countries at the same time, and are usually categorized by:
Asset
District
Industries
A diversified portfolio may help investors gain potential upside while minimizing the risk from market volatility.
Regular rebalancing is important to
Keep investors' portfolios aligned with their risk tolerance.
Maintain the asset allocation in line with the pre-determined objectives.
Make changes according to investors' financial needs and investment goals.
New Hang Seng Bank
Wealth Master
To help you better diversified your portfolio, Hang Seng has now newly launched a Wealth Master with different features, like Portfolio Analysis, Past Performance Analysis and Comparison with Reference Portfolio.
How does Wealth Master work?
Wealth Master
Wealth Master in mobile
How Wealth Master can help you:
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.
The screen displays are for reference and illustration purposes only.
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.
The screen displays are for reference and illustration purposes only.
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.
For an overview of reference portfolios, please visit:
Hang Seng Bank Website > Investments > Market Commentary > Reference Asset Allocation
The screen displays are for reference and illustration purposes only.
Illustration of Mobile Wealth Master
Step by step flow on Mobile App
1
Click "SimplyFund" or "Investment Funds" >
"Fund Holdings / Trade"/ Wealth Master
2
a. Click "Wealth Master" at "SimplyFund" page
b. Click "Wealth Master" at "Investment Funds" page
3
View the past performance and historical scenario analysis of your portfolio. Also you can compare with market benchmark
4
View your current fund portfolio, and you can click “View details” for more information. Also view the result after comparison with reference portfolio
5
If you want to have a more comprehensive analysis, click “Contact relationship manager” or if you want to explore funds online after the comparison, click "Search for funds" to choose for equity funds or bond funds
Want to rebalance your portfolio?
Wealth Master at your fingertips
A preliminary analysis of your fund portfolio is ready for you via Hang Seng Mobile App’s newly enhanced function - Wealth Master, with the below features:
View detailed breakdown of your fund portfolio
Compare your portfolio with a reference portfolio that matches your risk tolerance level
Gain insights on how to allocate your assets
For a comprehensive analysis of your portfolio,
Prestige and Prestige Private Banking customer could visit any of our branches or contact your relationship manager.
Click here to find the branch nearest to youFor Preferred Banking customer, please upgrade to Prestige Banking/Prestige Private to enjoy the service from dedicated relationship manager.
Account Opening ButtonRemark:
- Bond Funds may invest in a variety of debt securities, including but not limited to, bonds, loans, fixed-rate or floating-rate debt securities.
Remarks
- 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).
- The performance of the customer’s individual investment portfolio depends on the performance of the actual investment products chosen by themselves, the actual market situation and other factors. There is no guarantee that it can be close / similar to the performance of the target portfolio designed by the customer. The relative risk level of particular investment products chosen by the customer to build their investment portfolio may be lower or higher than the Risk Tolerance Level deduced from their Risk Profiling Questionnaire. Product Suitability and its risk should be carefully evaluated by the customer before making any investment decision.
- No consideration has been given to any particular investment objectives or experience, financial situation or other needs of any customers. Customers must make their own assessment of the relevance and adequacy of investments in the target portfolio. They should not only base on Wealth Master to make investment decisions. Customers should carefully consider whether the relevant investments are suitable for them in view of their own investment objectives, investment experience, financial situation, risk tolerance abilities and other needs etc., and consult independent professional advisers where necessary.
- The information provided in Wealth Master shall not be construed as a recommendation on the portfolio reallocation. More generally, making available to you any advertisements, marketing or promotional materials, market information or other information relating to a product or service shall not, by itself, constitute solicitation of the sale or recommendation of any product or service. It is your sole discretion to decide on any rebalancing target asset allocation.
- All investments involve risks (including the possibility of loss of the capital invested). Prices of investment products may go up as well as down and may even become valueless. Past performance information presented is not indicative of future performance. The risk disclosure statements and the offering documents of the relevant investment products should be read in detail before making any investment decision.
- Transactions which are pending settlement have not been taken into account in the holding position of current holdings. Holding position of current holdings (including but not limited to the number and nominal value of various investment products/assets held) and market price data may not be based on real-time data, but may be based on the latest information available in the bank system.