Remark:

1. The management fees of all constituent funds are deducted from the asset of the fund.
2. A preferential rate on the management fee is credited on monthly basis. The discount on the management fees will be refunded as ‘special bonus’ in the form of fund units allocation to the members’ accounts each month and credited into employer’s sub-accounts (if applicable) and member’s sub-accounts (if applicable). The ‘special bonus’ forms part of the account balance and is subject to relevant fees and charges applicable to Hang Seng Mandatory Provident Fund - SuperTrust Plus and ValueChoice. If a member terminates his/her account or transfers all assets out before the units allocation of that month, no ‘special bonus’ unit rebate will be granted for that month. The Trustee may offer other rebate/incentive arrangement to certain participating employers and/or members.
3. Other applicable fees, charges and expenses include but not limited to joining fee, annual fee, contribution charge, offer spread, bid spread, withdrawal charge and other expenses. For further details, please refer to the relevant ‘Principal Brochure’.
4. Fees and charges of an MPF Conservative Fund can be deducted from either (i) the assets of the fund or (ii) members’ account by way of unit deduction. The MPF Conservative Fund of Hang Seng MPF schemes uses method (i) and, therefore, its unit prices, net asset value and fund performance quoted have reflected the impact of fees and charges.

Note: 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 relevant ‘Principal Brochure’.

Issued by Hang Seng Bank Limited