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    How do we invest your money

    How do we invest your money?

    Upon joining Hang Seng SuperTrust Plus, if you have not given us any investment instructions, your money will be invested under the Default Investment Strategy (‘DIS’) automatically. For details of the DIS, you may refer to the MPF Scheme Brochure for Hang Seng SuperTrust Plus - ‘Fund Options, Investment Objectives and Policies’.

    Alternatively, you can choose to invest in the following Constituent Funds.

    To help you make comparisons across different MPF funds and schemes, you may refer to the information on the MPF Fund Platform.

    Constituent Funds

    No. Name of Constituent Fund Investment Manager[1] Fund Descriptor Investment Focus Investment Objectives Management Fees (As a percentage of net asset value per annum)
    1. MPF Conservative Fund N/A Money Market Fund - Hong Kong
    • 100% in high grade HKD-denominated monetary instruments
    		 To achieve a rate of return higher than that available for savings deposits 0.75%
    No. Name of Constituent Fund Investment Manager[1] Fund Descriptor Investment Focus Investment Objectives Management Fees (As a percentage of net asset value per annum)
    1. Global Bond Fund N/A Bond Fund – Global
    • 70%-100% in fixed and floating rate debt securities;
    • up to 30% in deposits and other investments as allowed under the General Regulation
    		 To achieve stable capital growth with low volatility 0.79%
    No. Name of Constituent Fund Investment Manager[1] Fund Descriptor Investment Focus Investment Objectives Management Fees (As a percentage of net asset value per annum)
    1. Guaranteed Fund N/A Guaranteed Fund
    • 0%-50% in equities;
    • 20%-100% in bonds;
    • 0%-80% in cash
    		 To achieve long-term capital growth with low volatility 1.275%
    No. Name of Constituent Fund Investment Manager[1] Fund Descriptor Investment Focus Investment Objectives Management Fees (As a percentage of net asset value per annum)
    1. Age 65 Plus Fund N/A Mixed Assets Fund – Global – Maximum equity around 25%
    • 15%-25% in Higher Risk Assets;
    • 75%-85% in Lower Risk Assets
    		 To provide stable growth 0.75%
    2. Core Accumulation Fund N/A Mixed Assets Fund – Global – Maximum equity around 65%
    • 55%-65% in Higher Risk Assets;
    • 35%-45% in Lower Risk Assets
    		 To provide capital growth 0.75%
    3. Stable Fund N/A Mixed Assets Fund – Global – Maximum equity around 45%
    • 55%-85% in debt securities, bonds and deposits;
    • 15%-45% in equities and other investments as allowed under the General Regulation
    		 To achieve stable capital growth with low volatility 1.25%
    4. Balanced Fund N/A Mixed Assets Fund – Global – Maximum equity around 85%
    • 55%-85% in equities and equity-related investments;
    • 15%-45% in deposits, debt securities and other investments as allowed under the General Regulation
    		 To achieve medium to high capital growth with medium volatility 1.35%
    5. Growth Fund N/A Mixed Assets Fund – Global – Maximum equity around 100%
    • 70%-100% in equities and equity-related investments;
    • up to 30% in deposits, debt securities and other investments as allowed under the General Regulation
    		 To achieve investment returns that maximise long-term capital growth potential with medium to high volatility 1.45%
    6. ValueChoice Balanced Fund N/A Mixed Assets Fund – Global – Maximum equity around 80%
    • 60%-80% in equities and equity-related investments;
    • 20%-40% in deposits, debt securities and other investments as allowed under the General Regulation
    		 To achieve long-term capital growth 0.79%
    No. Name of Constituent Fund Investment Manager[1] Fund Descriptor Investment Focus Investment Objectives Management Fees (As a percentage of net asset value per annum)
    1. Global Equity Fund N/A Equity Fund – Global
    • 70%-100% in equities and equity-related investments;
    • up to 30% in deposits, debt securities and other investments as allowed under the General Regulation
    		 To achieve long-term capital growth 0.79%
    2. North American Equity Fund N/A Equity Fund – North America
    • 70%-100% in equities and equity-related investments;
    • up to 30% in deposits, debt securities and other investments as allowed under the General Regulation
    		 To achieve long-term capital growth 1.30%
    3. European Equity Fund N/A Equity Fund – European countries
    • 70%-100% in equities and equity-related investments;
    • up to 30% in deposits, debt securities and other investments as allowed under the General Regulation
    		 To achieve long-term capital growth 1.30%
    4. Asia Pacific Equity Fund N/A Equity Fund – Asia Pacific, excluding Japan
    • 70%-100% in equities and equity-related investments;
    • up to 30% in deposits, debt securities and other investments as allowed under the General Regulation
    		 To achieve long-term capital growth 1.45%
    5. Hong Kong and Chinese Equity Fund N/A Equity Fund – mainland China and Hong Kong
    • 70%-100% in equities and equity-related investment (within the portfolio 10%-75% may invest in Chinese equities and 25%-90% may invest in other equities listed in Hong Kong and/or equities deriving a preponderant part of their income and/or assets from Hong Kong);
    • up to 30% in deposits, debt securities and other investments as allowed under the General Regulation
    		 To achieve long-term capital growth 1.45%
    6. Chinese Equity Fund N/A Equity Fund – mainland China
    • 70%-100% in equities and equity-related investments;
    • up to 30% in deposits, debt securities and other investments as allowed under the General Regulation
    		 To achieve long-term capital growth 1.45%
    7. ValueChoice North America Equity Tracker Fund N/A Equity Fund – North America Up to 100% in equities To match as closely as practicable the performance of the FTSE MPF North America Hedged Index 0.79%
    8. ValueChoice Europe Equity Tracker Fund N/A Equity Fund – European countries
    • Up to 100% in equities
    		 To match as closely as practicable the performance of the FTSE MPF Europe Hedged Index 0.79%
    9. ValueChoice Asia Pacific Equity Tracker Fund N/A Equity Fund – Asia Pacific, excluding Japan
    • Up to 100% in equities
    		 To match as closely as practicable the performance of the FTSE MPF Asia Pacific ex Japan Hedged Index 0.79%
    10. Hang Seng China Enterprises Index Tracking Fund N/A Equity Fund – mainland China
    • Up to 100% in equities
    		 To match as closely as practicable the performance of the Hang Seng China Enterprises Index Up to 0.79%
    11. Hang Seng Index Tracking Fund N/A Equity Fund – Hong Kong
    • Up to 100% in equities
    		 To match as closely as practicable the performance of the Hang Seng Index Up to 0.73%

    The management fees shown in the table above include the management fees chargeable by the Constituent Funds and its underlying fund(s) only. There may be other fees and charges chargeable to the Constituent Funds and its underlying fund(s) or to you. For details, please refer to the MPF Scheme Brochure for Hang Seng SuperTrust Plus – ‘Fees’.

    Back to Key Scheme Information Document

    Footnote

    Other point(s) to note

    1. Issued by Hang Seng Bank Limited and HSBC Provident Fund Trustee (Hong Kong) Limited

    Remarks

    1. As all the Constituent Funds are feeder funds investing in a single APIF or ITCIS, no investment manager is required to be appointed at the Constituent Fund level. The investment manager of the underlying APIF or ITCIS of each of the Constituent Funds is listed in the MPF Scheme Brochure for Hang Seng SuperTrust Plus – ‘Directory of Trustee and Service Providers’.