Investment Funds

Investment Savings Plan

The Investment Savings Plan provides a wide selection of fund choices. The monthly investment amount can be adjusted at any time, with a minimum monthly investment amount of HK$1,000, giving you more flexibility in your investment planning.

Key Features

  • High Flexibility
    Adjust the monthly investment amount anytime to suit your needs, with a minimum requirement only of HK$1,000. Selected funds can be switched or redeemed whenever necessary to give you greater flexibility in investing.
  • A Wide Variety of Fund Choices
    We offer a wide collection of funds managed by reputable fund management groups and companies to meet your unique investment needs.
  • "Dollar Cost Averaging" to Lower Cost
    By investing the same amount every month, you buy more units at market lows and fewer at market highs. You can benefit from the effect of Dollar Cost Averaging over the long run without the need to closely monitor the market for the best times to invest.

Illustrative Examples of "Dollar Cost Averaging"

By investing the same amount every month, you can take advantages of dollar cost averaging, which may help you lower the average cost of your investments. (For illustration only)

Monthly Investment (HKD) Unit Price (HKD) Units Acquired
1,000 10 100
1,000 8 125
1,000 5 200
1,000 4 250
1,000 8 125
1,000 10 100
Total: 6,000 45 900

Average cost per unit (6,000/900) = HK$6.67

Average price per unit (45/6) = HK$7.50


Note: Saving plans do not assure a profit, nor do they protect against loss in declining markets, or against a loss if you withdraw from the plan when the value of your units is less than their cost at purchase.

Comparisons of Investment Rewards under Different Rates of Return

The longer you invest, the higher the possible rewards.

Illustrative Examples:


Remarks: The above figures illustrate the effects of compound growth and are not indicative of actual returns to be achieved.



Risk Disclosure Statement


The above is an illustration example and only for the ease of your understanding of our products. The actual amount shall depend on the actual amount of investment involved.

The above information is for reference only and does not constitute any offer or solicitation to subscribe or redeem. The price of investment funds can go up or down. Investment involves risk. Any past performance figures shown are not indicative of future performance. Investors should refer to relevant investment fund offering documents for detailed information, as well as Risk Disclosures, prior to any investment fund subscription. If investors have any doubt about this material or any relevant offering document, they should seek independent professional advice.

Important Notes
  • This webpage has not been reviewed by the Securities and Futures Commission or any other regulatory authorities in Hong Kong.
  • This is an investment product. The decision to invest is yours but you should not invest in Unit Trusts Funds unless the intermediary selling them has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives.
  • Shanghai Commercial Bank Ltd distributes the investment fund for the product issuer/fund management company and the investment fund is a product of the product issuer/fund management company but not Shanghai Commercial Bank Ltd.
  • 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 Shanghai Commercial Bank Ltd and the customer out of the selling process or processing of the related transaction, Shanghai Commercial Bank Ltd will 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 issuer/fund management company and the customer.
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