投资储蓄计划

投資儲蓄計劃

 Investment Savings Plan

明天活得更好 就是理想回报

进修 、置业、结婚、子女升学、计划退休等…的未来大计,今天就应该开始筹谋。工银亚洲特为您设计投资储蓄计划与您一起放眼明天!现在,您可透过每月小额投资,以持续而规律化的储蓄模式,投资蓝筹港股或互惠基金,愈早开始定期投资,您和家人的梦想愈可加快实现。

投资储蓄计划

投资储蓄计划的优点在于运用「平均成本法」,以定期定期定额的方式投资您所选择的股票或基金,免除您费神捕捉入市时机。其原理是当所在于选择的股票或基金价格在较高水平时,您的定额供款会自动买入较少的股份或基金单位;相反,当有关价格在较低水平时,同样的供款可自动买入较多股份或基金单位。经长时间运用上述方式投资后,您所买入股份或基金单位的平均成本可较该股票或基金的平均价格为低,您毋须时刻留意市况,亦可从容、及早达到目标。

此计划为您提供包括股票及基金两类不同投资工具。您只须每月存入预先设定之供款款项,我们将会定期为您买入所选定之股票或基金,让您早日达成大计。

投资灵活随心

投资储蓄计划每月最低供款额为港币1,000元,不设供款额及投资年期上限,更可随时更改所选择的股票或基金、供款额,让您灵活配合不同时候的财政状况及投资目标。

风险披露声明

本投资储蓄计划并不、亦不应被视为正常的定期存款或其代替品。 本行或任何关联公司可能在此文件所述的任何工具持有仓位。

投资涉及风险,客户需明了证券及基金价格可升可跌,甚至变成亳无价值。投资前请参阅有关之交易文件,并审慎考虑。在进行任何交易前,阁下需确保本身明白交易,对交易与阁下目标和情况的合适性作出独立评估。若阁下认为有需要或合理,亦应考虑寻求独立专业意见。本行不表示或保证此份文件有关的任何投资产品将出现的任何结果。

将来如因销售过程或处理有关交易产生的争议, 而该争议合乎金融纠纷调解计划下金融纠纷调解中心的职权范围之定义, 银行须与客户进行金融纠纷调解计划程序。但是, 对于有关产品的合约条款的任何争议应由该产品服务供应商与客户直接解决。

不受存款保障计划保障

本投资储蓄计划并非受保障存款,不受香港的存款保障计划保障。

 

 

明天活得更好 就是理想回報

進修、置業、結婚、子女升學、計劃退休等…的未來大計,今天就應該開始籌謀。工銀亞洲特為您設計投資儲蓄計劃與您一起放眼明天!現在,您可透過每月小額投資,以持續而規律化的儲蓄模式,投資藍籌港股或互惠基金,愈早開始定期投資,您和家人的夢想愈可加快實現。

投資儲蓄計劃

投資儲蓄計劃的優點在於透過「成本平均法」,以每月定期定額的方式,免除您費神捕捉入市時機及減低投資風險及成本,其原理在於在價格高企時,您的定額供款會買入較少的股票或互惠基金單位;相反,在價格低落時,同樣的供款可買入較多股票或互惠基金單位。經過一段時間後,每單位的平均成本將較該股票或基金之平均價為低,因此,您毋須時刻留意市場價格高低,亦可從容讓財富累積及增值。詳情請參考下列附表例子。

此計劃提供兩類不同的投資工具,讓您作投資之用,包括香港股票(「股票」)及互惠基金(「基金」)。您只須每月按預先設定之供款額存入款項,此計劃即會自動為您買入所選擇之股票或基金,定期投資,早日達成大計。

投資靈活隨心

投資儲蓄計劃每月最低供款額為港幣1,000港元,同時不設供款及年期上限,更可隨時更改供款額,讓您靈活配合不同時候的財政狀況及投資目標。

風險披露聲明

本投資儲蓄計劃並不、亦不應被視為正常的定期存款或其代替品。 本行或任何關聯公司可能在此文件所述的任何工具持有倉位。

投資涉及風險,客戶需明瞭證券及基金價格可升可跌,甚至變成亳無價值。投資前請參閱有關之交易文件,並審慎考慮。在進行任何交易前,閣下需確保本身明白交易,對交易與閣下目標和情況的合適性作出獨立評估。若閣下認為有需要或合理,亦應考慮尋求獨立專業意見。本行不表示或保證此份文件有關的任何投資產品將出現的任何結果。

將來如因銷售過程或處理有關交易產生的爭議, 而該爭議合乎金融糾紛調解計劃下金融糾紛調解中心的職權範圍之定義, 銀行須與客戶進行金融糾紛調解計劃程序。但是, 對於有關產品的合約條款的任何爭議應由該產品服務供應商與客戶直接解決。

不受存款保障計劃保障

本投資儲蓄計劃並非受保障存款,不受香港的存款保障計劃保障。

 

 

Secure your future with higher investment returns

Whether you wish to further your studies, buy a property, get married or save for your children's education or your own retirement, you need to start planning today! At ICBC (Asia), we can help you secure a brighter future with our Investment Savings Plan. By investing a certain amount each month, your monthly contribution will be invested regularly in a portfolio of blue-chip Hong Kong stocks or mutual funds to achieve your financial goals. The earlier you start saving, the sooner you and your family can realize your dreams!

Investment Savings Plan

The Investment Savings Plan is based on the concept of "Dollar Cost Averaging". By investing a regular amount every month into your predetermined stock or fund, this helps to free you from predicting the market trend. When the market price of your predetermined stock or fund goes up, you will buy comparatively less units of stock or fund. On the other hand, when the market price goes down, you will automatically buy more units. Over a period of time, the average cost per unit may be lower than the average price of the stock or fund. This frees you from monitoring the market and helps to achieve your financial goal earlier. You can refer to the below example for comparison of 2 kinds of securities purchasing method wtih:

The plan offers a choice of two investment tools - stocks and funds. Just deposit your predetermined contribution amount every month and we will purchase your predetermined stock or fund regularly to help you achieve your financial goals.

Flexible Investment to Match Your Needs

The minimum monthly contribution amount for the Investment Savings Plan is HKD1,000, with no upper limit on the contribution amount and investment period. Depending on your financial position and investment goals at different stages in your life, you can change your predetermined stock or fund or monthly contribution amount any time for more flexibility.

Risks Disclosure

The Investment Saving Plan is not and shall not be considered as normal time deposit or its substitute. ICBC (Asia), or any connected company, may have a position in any of the instruments or currencies mentioned in this document.

Investments involved risks. The prices of securities and funds may move up and down and may become valueless. Please refer to relevant offering document for detail information prior to any investment. Before entering into any transaction, you should take steps to ensure that you understand the transaction and have made an independent assessment of the appropriateness of the transaction in the light of your own objectives and circumstances. You should also consider to seek independent professional advices as you consider necessary or appropriate. ICBC (Asia) does not make any representation or warranty as to the outcome of any investment in connection with the information contained in this document.

If there is any dispute arising out of the selling process or processing of the related transaction in the future and the dispute is eligible as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme, the Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer. However, any dispute over the contractual terms of the product should be resolved between directly the product service provider and the customer.

Not Protected under Deposit Protection Scheme

This Investment Savings Plan is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong.

 

 

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