Hang Seng Wealth Management

Exclusive Privileges

Unless otherwise specified, the promotion period is from 24 September 2024 till 24 October 2024，
, open a Prestige Banking account together with an Investment Account and fulfil the designated requirements, to enjoy rewards worth over HKD 48,000 and 2 Clockenflap Music & Arts Festival Adult Single Day Tickets.
Upon successful application of designated life insurance plan(s) to enjoy premium discount.

Successfully opened a Prestige Banking account together with an Investment Account

Enjoy rewards worth over
HKD 33,000
and 2 Clockenflap
Music & Arts Festival Adult Single Day Tickets

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Subscribe for the Relevant Investment Products
enjoy up to

HKD 15,000

cash rewards

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Successfully applied

Successfully applied for designated Life Insurance Plan
can enjoy up to

25%
premium discount

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Prestige and Prestige Private Welcome Rewards

Prestige

Join Prestige to enjoy rewards worth over
HKD 48,000 and 2 Clockenflap Music & Arts Festival Adult Single Day Tickets.

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The promotion period is from 24 September 2024 to 24 October 2024. The offer includes Total Relationship Balance Reward and Mobile Account Opening Reward up to HKD 21,200, Family+ account opening reward of HKD 200, Subscription of Relevant Investment Products offer up to HKD 15,000, HK Stock Deposit offer up to HKD 6,000 and Complimentary Wellness Services worth over HKD 5,600. Investment involves risks. Terms and conditions apply.

Prestige Private

Join Prestige Private to enjoy rewards worth over HKD 69,000 and 2 Clockenflap Music & Arts Festival Adult Single Day Tickets.

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The promotion period is from 24 September 2024 to 24 October 2024. The offer includes Total Relationship Balance Reward up to HKD 36,400, Subscription of Relevant Investment Products offer up to HKD 15,000, HK Stock Deposit offer up to HKD 12,000 and Complimentary Wellness Services worth over HKD 5,600. Investment involves risks. Terms and conditions apply.

Apply to Subscribe for the Relevant Investment Products

Eligible Prestige Private/Prestige Banking customers who subscribe for the Relevant Investment Products with designated accumulated investment amount can earn the cash rewards below:

Relevant Investment Products	Minimum accumulated investment amount (HKD or equivalent)	Cash reward (for every HKD500,000 accumulated investment amount)
Investment Funds, Structured Products and/or secondary market bonds	HKD 500,000	HKD 400 (maximum:HKD 2,000)
	HKD 3,000,000	HKD 500 (maximum:HKD 8,000)
	HKD 10,000,000	HKD 600 (maximum:HKD 12,000)
MaxiInterest Investment Deposit, Certificate of Deposit Product and/or Capital Protected Investment Deposit	Every HKD 500,000	HKD 300 (maximum:HKD 3,000)

Terms and conditions apply to Subscribe for the Relevant Investment Products Offer. Please click here here here for more details.

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LegendPower Life Insurance Plan

Successfully applied for LegendPower Life Insurance Plan can enjoy up to 25% first year premium discount^* View Details View Details View Details

Terms and conditions apply.

^*The promotion period of first year premium discount for LegendPower Life Insurance Plan is 1 July 2024 to 30 November 2024 (both days inclusive) ("Promotion Period").

Other Privileges

Fund Subscription Fee and Securities Service Offer

Fund Subscription Fee Offer

Successfully open an Investment Fund Account can enjoy 0% fund subscription fee offer

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The promotion period of this offer is from 1 October 2024 to 31 December 2024. Investment involves risks. Terms and Conditions apply, please contact our branch staff or visit https://hangseng.com/fundoffer for details.

Securities Service Offer

New open a Securities Account can enjoy:

Eligible customers can enjoy 10 units of Tracker Fund (2800.HK)¹
3-month unlimited $0 brokerage fee1 for trading HK stocks / A-shares / US stocks²
Up to HKD12,000 cash reward1 for HK stocks deposit²

US stock trading multiple privileges for new and existing securities customers:

US Stocks Brokerage Fee Half Price Offer ³
$0 Brokerage Fee on Buy Trades for Eligible ETFs Offer ⁴

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¹The promotion period from 1 October 2024 to 31 December 2024. The offer of Free Shares Reward is provided by Hang Seng Bank. (the “Bank”) However, please note that Tracker Fund (stock code: 2800) (the “ETF”) is managed by Hang Seng Investment Management Limited (which is a wholly-owned subsidiary of the Bank), the ETF’s Index Provider, one or more of the Participating Dealers and/or market makers currently also include members of the HSBC Group. Please refer to the prospectus documents of the ETF for details of the conflicts of interest in respect of the ETF that may arise (and the relevant product details including the risk disclosures). This promotion and the offer of Free Shares Reward do not represent, and should not be construed as, any investment advice from the Bank and the Bank has not taken into consideration the individual circumstances of any customers. Investment involves risks. There can be no guarantee, and no representation is made, on the performance of the Free Shares or as to whether losses would be incurred/profit would be made from the Free Shares. Customers must make their investment decisions in light of their own investment objectives, investment experience, financial situation or other needs etc., and (where necessary) should consult their own professional advisers before making any investment decisions. Also, please note the relevant risks related to trading of odd lots.
²The promotion period is from 1 October 2024 to 31 December 2024.
³The promotion period is from 1 December 2023 to 31 December 2024.
⁴The promotion period for $0 brokerage fee on BUY trades for eligible ETFs is from 1 March 2024 to 31 December 2024. This offer is only applicable to ETFs managed by Hang Seng Investment Management Limited and listed on the Stock Exchange of Hong Kong Limited. To learn more about the eligible ETFs, please visit website of www.hangsenginvestment.com > Our Products > Exchange Traded Funds (ETF). This offer is provided by Hang Seng Bank Limited. However, please note that the eligible ETFs are managed by Hang Seng Investment Management Limited (a wholly- owned subsidiary of Hang Seng Bank Limited) and the relevant eligible ETFs’ trustee, index provider, the participating dealers, market makers and any other service providers (as applicable) may include members of the HSBC Group. Please refer to the Hong Kong offering document of the eligible ETFs for details including any potential conflicts of interest in respect of those ETFs that may arise.

Wealth Management Services

Wealth Master¹

Dedicated Relationship Manager and
24-hour Wealth Service Team

Get insights on how to allocate your assets and diversify your investments with our portfolio analysis tool Wealth Master. You can use this tool to:

Check if your asset distribution is overly concentrated, which helps you to rebalance your portfolio

Analyse your portfolio's past performance

Get a comprehensive performance review and perform back testing, such as simulated historic portfolio returns, historical scenario analysis and benchmark comparison

Compare your investment with our specialist team's reference portfolio

In addition, Wealth Master helps you analyse your fund portfolio also on Hang Seng Mobile App. You can view your asset allocation and compare it with a reference portfolio that matches your risk tolerance level. You can even contact your relationship manager to get a comprehensive analysis and search for funds online anytime.

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Dedicated Relationship Manager

You can contact your dedicated Relationship Manager through multiple channels via Prestige RM Connect.

After simple confirmation without downloading extra apps, you can start instant messaging with your dedicated Relationship Manager via WhatsApp or official WeChat Mini Program.

24-hour Wealth Service Team

Our 24-hour Wealth Service Team is ready to support your needs round the clock. Services include:

Help you plan your wealth and explore suitable management solutions
Subscribe for and redeem investment funds, bonds and other wealth management products^{^}
Complete or update your risk profiling record to understand your risk appetite and investment needs
Complete a Financial Health Check to evaluate your financial position and set your goals
Provide market information and house views as reference

Talk to a member of our 24-hour Wealth Service Team via Click-to-Call or Live Chat on Hang Seng Mobile App, or by calling (852) 2998 9188 to manage your wealth anytime

^{^}Including Securities Trading, IPOs, Foreign Currency Exchange (FX), FX & Precious Metals Margins, Time Deposits and Gold

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.

Notes:

The document by itself is not and should not be considered as an offer, recommendation or solicitation to deal in any of the investment and insurance products or services mentioned herein.
Terms and conditions apply. Please approach our branch staff for enquiries.
Hang Seng Bank Limited (the “Bank”) reserves the right to suspend, vary or terminate this promotion and the related offers and to amend their terms and conditions at any time without prior notice. In case of disputes, the decision of the Bank shall be final.
The contents of this document have not been reviewed by any regulatory authority in Hong Kong.
This material is not intended to provide or regard as legal or taxation advice, or investment recommendations.
The promotion is intended for persons in Hong Kong.

Disclosure of Information of Life Insurance Plans:
The above information is a product summary of information for reference only. The Plan is intended only for sale in the Hong Kong SAR. It shall not be construed as an offer to sell or solicitation of an offer or recommendation to purchase or sale or provision of any products of Hang Seng Insurance Company Limited (“Hang Seng Insurance”). Please refer to the promotion leaflets/flyers and contracts for the important information such as detailed coverage, exact Terms and Conditions and exclusions of the relevant Life Insurance Plan. Please refer to the product brochure for the relevant product risks.

The above Life Insurance Plan is underwritten by Hang Seng Insurance. Hang Seng Insurance is authorised and regulated by the Insurance Authority of the HKSAR. Hang Seng Bank is an insurance agent authorised by Hang Seng Insurance and the insurance products are the products of Hang Seng Insurance but not Hang Seng Bank. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between Hang Seng Bank and you out of the selling process or processing of the related insurance product transaction, Hang Seng Bank will enter into a Financial Dispute Resolution Scheme process with you; however any dispute over the contractual terms of the insurance products should be resolved between Hang Seng Insurance and you directly. If you surrender the Policy after the expiry of the cooling-off period, the surrender proceeds to be received may be significantly less than the Total Premiums Paid. Please refer to the illustration summary of this Plan for the projected surrender values.

Remark: The benefits and/or returns mentioned throughout this material are not guaranteed and for illustrative purpose only. The actual future amounts of benefits and/or returns may be lower than or higher than the currently quoted benefits and/or returns. The policyholder is subject to the credit risk of Hang Seng Insurance. If the policyholder discontinues and/or surrenders this policy in early policy years, the amount of benefits he/she will get back may be considerably less than the total premiums he/she has paid. All details regarding policy surrender should be referred to the relevant policy provisions.

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.

Risk Disclosure of Structured Products:

Structured Products involve derivatives. The investment decision is yours but you should not invest in a Structured Product unless the intermediary who sells it to you has explained to you that the Structured Product is suitable for you having regard to your financial situation, investment experience and investment objectives. Structured Product is a complex product and you should exercise caution in relation to Structured Products. The market value of the Structured Products may fluctuate and investors may sustain a total loss of their investment. Prospective investors should therefore ensure that they understand the nature of the Structured Products and carefully study the risk factors set out in the offering documents for the Structured Products and, where necessary, seek independent professional advice, before they decide whether to invest in any Structured Products. If you purchase the Structured Products, you are relying upon the creditworthiness of the Issuer of the Structured Products.
Liquidity risk - Structured Products are designed to be held to its maturity. You may not be able to sell your investment in the Structured Products before maturity. If you try to sell the Structured Products before maturity, the amount you receive may be substantially less than the investment amount you paid for the Structured Products.
Credit risk of the Structured Products issuer - Structured Products constitute general unsecured and unsubordinated contractual obligations of the issuer. When you buy Structured Products, you will be relying on the creditworthiness of the Structured Products issuer and of no other person. You have no rights under the terms and conditions of the Structured Products against any issuer of any linked underlying(s). If the relevant Structured Products issuer becomes insolvent or default on its obligations under the Structured Products, in the worst case scenario, you could lose all of your investment.
Not the same as investing in linked underlying(s) - Investing in Structured Products is not the same as investing in the linked underlying(s). Changes in the market price or level of any linked underlying(s) may not lead to a corresponding change in the market value of, or your potential gain or loss under, the Structured Products.
Before making any investment, investors should i) read and fully understand all the offering documents relating to Structured Products and all the risk disclosure statements and risk warnings therein; and ii) make investment decisions in light of your own investment objectives, financial position and particular needs and where necessary consult your own professional advisers before investing.

Risk Disclosure of Bond and Certificate of Deposit Product:

Bonds and Certificates of Deposit (CDs) are investment products. The investment decision is yours but you should not invest in a bond/CD unless the intermediary who sells it to you has explained to you that the bond/CD is suitable to you having regard to your financial situation, investment experience and investment objectives. Your intermediary is under a duty to assure that you understand the nature and risks of this product, and that you have sufficient net worth to be able to assume the risks and bear the potential losses of trading in this product.
Bonds are not deposits and should not be treated as substitute for conventional time deposits.
Certificate of Deposit is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong.
Investors who purchase bonds/CDs are exposed to the credit risk of the issuer and guarantor (if any) of the bonds/CDs. There is no assurance of protection against a default by the issuer/guarantor in respect of the repayment obligations. In the worst case scenario, any failure by the issuer and the guarantor (if any) to perform their respective obligations under the bonds/CDs when due may result in a total loss of all of your investment.
Renminbi (RMB) is not a freely convertible currency. As such, investors trading bonds and/or CDs denominated in RMB are subject to additional risks (such as currency risk).
The above is not an exhaustive list of risk factors. Please refer to the section on “Risk Factors” in the relevant “Bond / Certificate of Deposit Trading Services” Factsheet to understand other risk factors applicable to bonds and CDs.
The information displayed does not constitute nor is it intended to be construed as any professional advice, offer, solicitation or recommendation to deal in Bonds / CDs. Investors should be aware that all investments involve risks (including the possibility of loss of the capital invested). The prices of Bonds and CDs may go up as well as down and past performance is not indicative of future performance. Investors should not only base on this information alone to make investment decisions, and should carefully consider whether an investment is suitable for them in view of their own investment objectives, investment experience, investment tenor, financial situation, risk tolerance abilities, tax implications and other needs, etc., and should read the relevant product offering documents and terms and conditions (including the full text of the risk factors therein) in detail before making any investment decisions. Investors should obtain independent professional advice if they have concerns about their investment.
No guarantee, representation, warranty or undertaking, express or implied, is made as to the fairness, accuracy, timeliness, completeness or correctness of any general financial and market information, news services and market analysis, projections and/or opinions (“Market Information”) provided above and the basis upon which any such Market Information have been made, and no liability or responsibility is accepted by the Bank in relation to the use of or reliance on any such Market Information whatsoever provided in the webinar.
Investors must make their own assessment of the relevance, accuracy and adequacy of the information provided and make such independent research/investigations as they may consider necessary or appropriate for the purpose of such assessment. The Bank does not make any representation or recommendation or assessment as to whether or not any of the investment(s) mentioned are suitable or applicable to any persons and thus shall not be held responsible in this regard.

Risk Disclosure of MaxiInterest Investment Deposit:

This is a structured product involving derivatives. The investment decision is yours but you should not invest in the MaxiInterest Investment Deposit unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives. Investors should read the relevant Important Facts Statement, Terms and Conditions and risk disclosure statement before making any investment decision.
Investors should note that this product is not capital protected and is not a normal time deposit, and thus should not be considered as normal time deposit or its alternative.
Earnings on this product are limited to the nominal interest payable. As the principal and the earning will be paid in the Deposit Currency or the Linked Currency, whichever has depreciated against the other, investors will have to bear the potential losses due to currency depreciation, which may be substantial. If the product is withdrawn before maturity, investors will also have to bear the costs involved. Such losses and costs may reduce the earnings and the principal amount of this product. Investors should seek professional advice where necessary. The relevant Terms and Conditions of this product are available upon request to the staff of the Bank.
This product is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong.
Investment in this product is subject to the credit risk of the Bank.
Renminbi (RMB) is subject to foreign exchange control by the PRC government and thus investors investing in the MaxiInterest Investment Deposit involving RMB are subject to the currency risk of RMB.

Risk Disclosure of Capital Protected Investment Deposit:

This is a structured product involving derivatives. The investment decision is yours but you should not invest in the Capital Protected Investment Deposit unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives. Investor should read the Important Facts Statement of the relevant investment type, the relevant term sheet, Terms and Conditions and risk disclosure statement before making any investment decision.
Investor should note that this product is not normal time deposit and thus should not be considered as normal time deposit or its alternative.
This product is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong.
Investment in this product is subject to the credit risk of the Bank.
Renminbi (RMB) is subject to foreign exchange control by the PRC government and thus investors investing in the Currency-Linked Capital Protected Investment Deposit involving RMB are subject to the currency risk of RMB.

Important Risk Warnings in relation to Securities Investment:
Investors should note that investment involves risks. The prices of securities fluctuate, sometimes dramatically. The price of a security may move up or down, and may become valueless. It is as likely that losses will be incurred rather than profit made as a result of buying and selling securities.
Investors should note that investing in different Renminbi-denominated securities and products involves different risks (including but are not limited to currency risk, exchange rate risk, credit risk of issuer / counterparty, interest rate risk, liquidity risk (where appropriate)). The key risks of investing in securities via the Stock Connect Northbound Trading include:

Once the respective quota is used up, trading will be affected or will be suspended.
Stock Connect Northbound Trading will only operate on days when both markets are open for trading. Investors should take note of the days the Stock Connect Northbound Trading is open for business and decide according to their own risk tolerance whether or not to take on the risk of price fluctuations in securities during the time when Stock Connect Northbound Trading is not trading.
When a security is recalled from the scope of eligible securities for trading via Stock Connect Northbound Trading, that security can only be sold but NOT bought.
Investors will be exposed to currency risk if conversion of the local currency into RMB is required.

Foreign securities carry additional risks not generally associated with securities in the domestic market. The value or income (if any) of foreign securities may be more volatile and could be adversely affected by changes in many factors. Client assets received or held by the licensed or registered person outside Hong Kong are subject to the applicable laws and regulations of the relevant overseas jurisdiction which may be different from the Securities and Futures Ordinance (Cap.571) and the rules made thereunder. Consequently, such client assets may not enjoy the same protection as that conferred on client assets received or held in Hong Kong.
Investors should note that ETF is different from a typical unit trust and many factors will affect its performance. In general, the market price per ETF unit may be significantly higher or lower than its net asset value per unit due to market demand and supply, liquidity, and scale of trading spread in the secondary market and will fluctuate during the trading day. ETF is different from stocks, investors should read the offering documents of the relevant ETF and understand the features and risks of ETF etc.

Investors should not only base on this material alone to make any investment decision, but should read in detail in the relevant risk disclosure statements.