unit trust monthly investment plan

endobj Investment involves risks and the price of investment products may fluctuate or even become worthless. For example, you are 25 and have RM20,000 in your Basic Savings Account 1. The number of units that an investor receives depends on the amount invested and the price at which the units are purchased. Important - Please complete the offer registration form below to claim your cashback. 2R9(V5!kRwI[Pdof.:X$|zEg>y"Gzm0n8qnp.'g6xR@Im/! An investment trust portfolio for the long term. Unit Trust Monthly Investment Plan Flexible & Low Investment Amount Achieve financial goals by monthly investment Monthly Investment Plan Features: Lower Investment Amount You have the flexibility with the monthly investment amount as low as HK$1,000 based on your investment goals to start your saving plan after selecting the suitable schemes. Our unique target setting plan offers you the option to pre-set: Your investmenttime frameORthetarget market valueyou want to accumulate from the investment plan. We're here to help you manage your finances with our digital banking services on HSBC Mobile apps. Perhaps at this moment you have become aware of the need to secure your financial future, but you are not sure on how to begin. Unit Trusts for SRS. We currently offer regular savings in to eligible investment trusts listed within the FTSE 350. Unit Trust Offer. PT Bank HSBC Indonesia included in the guarantee program by Indonesia Deposit Insurance Corporation (LPS). Types of Unit Trusts to invest in Money Market Fund Balanced Fund Equity Fund Bond Fund These funds are regulated by the Capital Markets Authority. NAV (%) NAV (Rs) "Different plans have a different expense structure. This an investment channel that allows one to invest in treasury bills, government bonds corporate bonds, and shares through funds known as Unit Trust Funds. Start now to realize your dreams with HSBC's unique target monthly investment savings plan. UTMIP will help you get one step closer to your dreams by investing a fixed amount in a Mutual Fund over a period that suits you, starting from Rp 500,000. You can now complete the Customer Investment Profile questionnaire throughStandard Chartered online banking servicesbefore investment. You may also choose to start investing at a more moderate pace with monthly instalments of only HKD100* per fund. You can invest in the financial markets to grow your assets with an investment that is tailored to your specific needs. By logging in, you are bound to Terms and Conditions. The investment decision is yours but you should not invest in that investment product 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. 4 0 obj Your investment amount would be: Accordingly . Please visit any HSBC branch should you wish to place transfer instruction. Diversifying risk Log in to the BEA App. No minimum tenor required. Except lump sum amount investment, you may choose our Unit Trust Monthly Investment Plan: You have the flexibility with the monthly investment amount as low as HK$1,000 based on your investment goals to start your saving plan after selecting the suitable schemes. endobj Current Return 1 Est. Invest in one or more of our unit trusts today, and start saving towards your financial goals. If you just open your SRS account, the bank relationship manager will show you a few "approved" funds. The performance details provided herein are of Regular plan." * CAGR - Compounded annualized Growth Rate. Get more optimal returns on your investment. It will take five (5) business days to process the application which must be duly completed and received by the Bank at least five (5) business days before a debit date in order for the Customer to start making contributions on that debit date. Find our full range of Shariah-compliant unit trusts using keywords or filters and compare them in terms of performance, volatility, holdings, risk rating and other data. Go to " Investment " > " Cyberfund Centre ". "Different plans have a different expense structure. Enjoy up to 5% p.a. It helps you to take small and steady steps towards building your investment position and achieving your financial goals. Questions about how the coronavirus is affecting your finances or our services? Benefits of investing in the Unit Trust Monthly Investment Plan, TOBL and Terms and Conditions Wealth Management Products and Services, General Banking Terms and Conditions PT Bank HSBC Indonesia, Interest Rate Savings and Current Account. Unit Trust is a collective investment scheme where resources from individual investors are pooled together and managed by professional fund managers. Endowments are beneficial for investors in higher tax brackets as they are taxed at a fixed 30%. It is as likely that losses will be incurred rather than profit made as a result of buying and selling unit trusts or mutual funds. 0% sales charge applies only for monthly contributions for the first 6 months. No trading or CDP accounts required - just a one-time setup to invest on repeat every month. Once your target is reached, we will do the rest for you according to your perference: notifying you viaSMSORautomatically terminatethe investment plan for you. 3 0 obj <>>> Enjoy HKD1 = 1 Mile and miles renewal for free. Any instruction received after such cut-off will be deferred to the following month for execution. Investors should read the terms and conditions contained in the relevant offering documents and in particular the investment policies and the risk factors and latest financial results information carefully and are advised to seek independent professional advice before making any investment decision. Please refer to the Unit Trust disclaimer for further important details. It's key advantage is that all investors benefit from the economies of scale that the pooled funds provide. Alliance Trust's savings scheme is rather different to its rivals in that it allows investors to put money into other companies' trusts as well as its own. Stop an investment plan without penalty charges. No matter what you earn, aim to put away about 5% - 10% of your income. The investment decision is yours but you should not invest in the Unit Trusts 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. One of our relationship managers will help assess your financial needs, risk threshold, and investment preferences. Investment involves risks. Decide how much you want to invest each month. Equity funds should be considered even longer-term investments, with an investment period of at least 10 years. The fund will be invested in worldwide markets through investment instruments such as equities, bonds, currencies, and derivatives. The pool is then divided into equal portions called units. " Agree " to the disclaimer and select " Monthly Investment Plan (MIP) ". The Customer may amend the Customer instruction for subsequent contributions under the Plan to the extent permitted by the Bank from time to time, and may terminate the Plan at any time. Simple payment method by Autopay via your savings or current account at OCBC Wing Hang. For a monthly investment plan, you can start investing with a minimum monthly contribution of HKD1,000 per fund6, and no initial contribution is required. Our secure online application and same-day processing mean that you can begin to see your money grow in no time and with little effort. No matter what your investment goals are, you should have in mind how long you are going to save for your plan and how much you want to accumulate to achieve your goal. Investment funds which invest in certain markets (e.g. BEA offers flexible investment choices: lump sum and monthly savings plans. }zAx:-Y6=}> .SH[5f4O?/_O!Fgl~NiTO] `aP.?7-f The unit trust price reflects the current market . . The investment amount can be as low as HKD100 * for lump sum investments. In the long run, the Dollar-Cost-Averaging averages out the unit cost and therefore reduces the effects of short term market fluctuation on your investment. What is the Unit Trust Monthly Investment Plan (UTMIP)? We recommend you consult a financial planner to help you establish how much you need to invest and which investment plan meets your requirements. After your initial mutual fund purchase, you are able to perform Mutual Fund transaction through HSBC Internet Banking - simply log on to your account, and click "Mutual Funds" menu. From R500 a month you can enjoy access to a wide range of funds, offering you both local and international investment options. Please note that Investment Fund is an investment product and some Investment Funds would involve derivatives. Dollar-Cost Averaging is an investment strategy which an investor periodically purchases unit in a fund with a fixed amount, regardless of the asset's price and at regular intervals. Unit trusts are uniquely suitable for MIPs as they can be bought with fixed amounts, and at predetermined intervals. 2The actual amount of initial charge imposed on an open-end fund subscription order is calculated based on the applicable initial charge offer and in accordance with the respective fund houses fee calculation logic, which varies from fund house to fund house. At Old Mutual, we have a range of investment products to help you reach your short-, medium- and long-term savings goals. The actual subscription price of each fund may be different to the reference offer price. We encourage you to contact us via LiveChat below, or using any of the following channels: Email: c3@ttutc.com or visaservices@ttutc.com; Phone: (868) 625-UNIT (8648) Or ANY of our Investment Centres or Agents As a result, it lowers investors cost basis on an investment over time and reduces the overall impact of price volatility. Presuming you have a capital of $100,000 and it compounds at 8% per year; the annual returns will make you $8,000 per year or $670 per month. In case of dispute, the decision of the Bank shall be final and conclusive. Manage your funds professionally Greater buying power Funds are pooled together, giving you and other investors greater buying power. The returns on Unit Trust investments are not guaranteed and Unit Trusts do not . By continuing to browse this site, you give consent for cookies to be used. With as low as S$100, you can start a RSP to grow your investment portfolio gradually, with minimal effort. Monthly contribution as low as HK 1,000. . Adjust your monthly investment amount at any time. The information on this webpage has not been reviewed by the SFC. Fund prices are updated each day and are published in the newspaper and on this website. Many people have a misunderstanding about unit trust. With HSBCs unique services, your savings plan comes easy. children education or retirement. Consider your budget and pace of saving to decide your monthly contribution amount which can be as low as just HKD1,000 per month. More units are purchased for the fixed amount when the unit price drops. This webpage has not been reviewed by the Securities and Futures Commission or any regulatory authority in Hong Kong. Enjoy the ease of investing an amount that is more affordable for you. Our . It does not mean the investment fund is suitable for all investors nor is it an endorsement of its suitability for any particular investor or class of investors. Regular Investment Plan is a plan that allows you to invest into the Funds at regular fixed interval with a fixed amount. Terms and Conditions for Unit Trusts Fees & Charges : The information is not and should not be construed as an offer to buy or sell any investment products, and should not be considered as investment advice. The Investment Grade Municipal Trust, a unit investment trust, invests in a portfolio of tax-exempt municipal bonds. As the NAV per Unit of the Funds may go down as well as up, by investing regularly, you will benefit in the long run as you are able to average the cost of your holdings in the Funds (Ringgit Malaysia cost averaging). You will buy more units at market lows and less units at market highs. Customer will enjoy the preferential initial charge offer set out above or the then prevailing promotional offer, whichever rate is lower. Everyone has different needs. The trustee of a trust is either an individual person or persons or a company that legally holds title to the trust's assets for the benefit of the beneficiaries of the trust. . 2 0 obj You can save from 25 per month at a cost of just 1.50 per deal per investment trust. The Mutual Fund purchased will be using a net asset value of debit date + 1 trading day. Access a wide range of unit trust funds. Invest Now What are Unit Trusts? The Hongkong and Shanghai Banking Corporation Limited 2002-2022. the amount may be higher or lower than the value at which the investor started the plan. Past record is not an indicator of future performance. Whether you are making your first investment, or adding an investment to your portfolio, at HSBC you can choose from a range of funds to match your attitude to risk and investment goals. Start investing with a lump sum of S$1,000 for certain funds and continue with monthly contributions of at least S$100/month Three ways of funding your Unit Trusts investment Cash CPF Ordinary Account or Special Account savings SRS holdings There will be an online sales charge of 0.82% per transaction on any investment amount. Check out latest FAQ, forms and other useful information, Standard Chartered Monthly Investment Plan, SC Pay (FPS) / Local Transfer by Credit Card, Locations of the Bank's Service Providers, Personal Information Collection Statement, Overall average cost of unit: HK$(4,000/4,537) = HK$ 0.88, Flexibility to adjust your investment portfolio, Adjust your monthly investment amount at any time, Dollar Cost Averaging helps offset market volatility (see below table). The prices of units / shares of unit trust or mutual funds fluctuate, sometimes dramatically. . Minimum investment amount: $50/month (ETFs), $100/month (unit trusts) Investments available: 10 ETFs listed in Singapore, 78 ETFs listed in Hong Kong and US, and 1,638 unit trusts from 53 fund managers Fees: 0.08% or $1, whichever is higher (for counters listed in Hong Kong and US, minimum of HK$5 or US$1 applies); from 0% for unit trusts First 12 months Table 1: Upmarket scenario Principal investment (RM400 x12) = RM4,800 Units accumulated = 8,026.47 units Average cost per unit = RM0.5980 Average net asset value (NAV) per unit = RM0.6008 First 12 months Table 2: Downmarket Scenario Principal investment (RM400 x12) = RM4,800 Units accumulated = 9,270.36 units According to. The above mentioned investment fund(s) has been authorized by the Securities and Futures Commission in Hong Kong (the "SFC"). A unit trust investment platform allows the customer to invest by means of a single administrative policy into a variety of funds offered by different companies. Subscribe UTMIP in BEA App. Why invest in Unit Trusts? 5 Easy Steps to Start Setting up an Invest-Saver plan is quick and easy on DBS digibank. Estimate the amount you need to save in order to achieve your goals, e.g. # If your investment target is HK$1,000,000 in 10 years' time with 10% annual rate of return continuously, you have to invest approximately HK$4,841 each month from now on! Please visit any OCBC Wing Hang branches with investment corner for enquiries or fund subscription. A unit trust is a pooled investment vehicle. BEA Monthly Investment Plan with Flexible Options and Charges. Why minimal effort? The key to investing is getting started Start your investment portfolio online. The Bank does not have any control (editorial or otherwise) over the linked third party website and is not in any way responsible for the contents available therein. ^Monthly minimum investment amount to set up a RSP is $100 but may be higher depending on each Fund's minimum regular savings plan amount. 3Switching is only allowed between two funds of the same fund house. 1The Unit Trusts service charges are applicable to HSBC Premier, HSBC One and Personal Integrated Account customers and general unit trusts account customers with account number ending with "383". Set up a new monthly regular savings plan for at least 200, or invest a lump sum of 2,500 or more in a Fidelity SIPP, ISA or Investment Account online by 12 September '22 and receive 25 cashback. However, such amendment or termination must be made in writing in the prescribed format and must be received by the Bank five (5) business days before a debit date in order to take effect on that debit date. . You can call them from Monday to Friday between 7:30am and 4:30pm on (+265) 01 820 677. Unit Trusts in Kenya are regulated by the Capital . You should therefore carefully consider the liquidity risk involved. Unit Trust Monthly Investment Plan Preferential Initial Charge Offer 2: Bond Funds: 2% Non-Bond Funds: 3%: Redemption / Management / Other fees: Please refer to the respective prospectus of the fund: Switching fee 3: Up to 1% of the switching amount: Investment Order Confirmation eAlerts: Free of charge: Transfer-out 4: Administration fee of HK$100 per fund transferred You can also manage your mutual fund investment online, through HSBC Internet Banking. Calculate your required investment amount. The Bank reserves the right to change these Terms and Conditions at any time with reasonable notice and the initial charge offer may be withdrawn by the Bank at its discretion without prior notice. Your units increase in value as the fund's overall performance improves. To borrow or not to borrow? If the Customer fails to provide sufficient funds for a UTMIP debit for 3 consecutive months during the 1st year of the UTMIP subscription, then the UTMIP will be terminated before it expires and a penalty fee for early termination of the UTMIP will be charged in accordance with point number 4. A unit trust is a collective investment vehicle. Sanlam offer a wide range of investment plans with different levels of affordability and flexibility to match different risk preferences and lifestyles. The provision of the hyperlink does not constitute endorsement, recommendation, approval, warranty or representation, express or implied, by the Bank of any third party or the hypertext link, product, service or information contained or available therein. Manage your money like an expert and make your wealth grow with HSBC Advance a self-directed, smarter level of service. You can, thus, make investments without worrying about missing the investment due date. Features of a Monthly Investment Plan. You can transfer 30% from your Basic Savings Account 1 into investments and only make subsequent investments over a three-month interval from the date of the last transfer. Details of this open-end fund preferential initial charge offer may be changed from time to time at the discretion of The Hongkong and Shanghai Banking Corporation Limited in Hong Kong SAR (the Bank) without prior notice. Show more details Monthly investments Make regular investments from as low as RM100* a month and even out market risks in the long run. . Why invest in Unit Trusts? What is Unit Trusts? We take your trust seriously and thank you for your patience during this transition. %PDF-1.5 Flexible Investment involves risk. They are also known as monthly investment plans. EPF Members Investment Scheme; This plan allows you to withdraw your EPF savings to invest in EPF-approved Unit Trust funds. <> A Unit Trust is a type of investment where people with common savings and investment goals join a collective investment scheme that is managed by a professional investment/fund manager. Please note that the unit price shown for each fund is based on its latest fund's NAV or its Bid price and is for reference only. Investors may not get back the amount they have invested. The trustee is obliged to act . This means that your money is invested alongside other people's in order to achieve collective goals, such as maximising returns and minimising risk. Monthly Investment Plan for Fund allows you to buy funds with lower contribution amount, grow your wealth by building an investing habit and benefit from Dollar Cost Averaging by minimising the impact of market volatility . Start your investment planning today! By investing regularly, you may enjoy the benefits of "Dollar-Cost-Averaging". Make ad hoc payments The option to make ad hoc payments electronically into the Unit Trust account. The above mentioned investment products are neither protected by the Deposit Protection Scheme nor the Investor Compensation Fund in Hong Kong. You may also use your OCBC Wing Hang Credit Card^ for monthly payment to enjoy up to 54 days' interest free period. g(P/:/_1y{74F What is the Unit Trust Monthly Investment Plan (UTMIP)? Please refer to the offering documents of the respective funds for details, including risk factors. If at any time a customer ceases to hold at least one such Investment Services Account / Unit Trust Account after being enrolled in the Plan, the Plan will automatically terminated. You can also sign up for online share trading on our simple and secure platform. % A unit trust refers to an investment portfolio that is managed as a Collective Investment Scheme and divided into equal parts or 'units'. A unit trust pools more than one investor's money into one single fund, making it a form of collective investment that is constituted under a trust deed and managed by a professional fund manager. Subscription, Switching, Redemption, Management and Other fees for each fund are subject to respective Fund Prospectus and Standard Chartered Investment Fund services charges. When you invest your money you purchase units at the offer price and sell at the bid price. In the worst case scenario, the value of the unit trusts may be worth substantially less than the original amount you have invested. You can also earn rewards when paying with Hang Seng credit cards. A Unit Trust pools money and invests in shares, bonds, money market instruments and other investments. 1 Minimum investment amounts Local unit trusts: from R2 000 lump sum or from R250 per month. From 1 October 2022 until 31 December 2022, enjoy 0% sales charge on monthly Regular Savings Plan contributions and 0.85% sales charge for lump sum investments in unit trusts purchased online. This is not hard to visualise, given that we know the average returns of stock market is roughly 6 - 8% from the STI ETF. Depending on the trust, this form of investment offers investors access to a wider range of investments in . 6 Irregular lump sum contributions of a minimum USD1,000 or HKD10,000 per fund can be made. Thus, helping you find the right funds for your needs. For more details please read our Cookie Policy. But its purchase charge is between 2.50 and 15 plus 0.2 per cent, and its sales charge is 15 to 30 plus 0.2 per cent. Investors should ensure they fully understand the risks associated with unit trusts or mutual funds and should also consider their own investment objective and risk tolerance level. All prices are subject to final confirmation by the Bank. 2 Process Invest in one of 2 ways: Complete an application: Fill in the application form for individuals . Cross-border disclosure, New Customers: Initial charge offer as low as 1% and first 6 month initial charge waiver for Unit Trust Monthly Investment Plan [PDF], New Customers: Initial charge offer as low as 1% and first 6 month initial charge waiver for Unit Trust Monthly Investment Plan [PDF] This link will open in a new window, Set up a Unit Trust Monthly Investment Plan, Set up a Unit Trust Monthly Investment Plan This link will open in a new window, Open an investment account Go to account opening page, Search UT Products This link will open in a new window, Risk Profiling Questionnaire This link will open in a new window, Latest Product Risk Rating for UT [PDF] (Last update on 8 Nov 2022), Latest Product Risk Rating for UT [PDF] (Last update on 8 Nov 2022) This link will open in a new window, UTMIP Factsheet [PDF] This link will open in a new window, Submit documents for Credit Limit Increase, Submit documents for Cash Instalment Plan, Submit documents for the 100% Personal Loan Guarantee Scheme, Explore Financial Planning & Wealth Management, Instant RewardCash redemption at merchants, And your nearest Express Banking location, Careers, media, investor and corporate information, Unit Trust Monthly Investment Plan Preferential Initial Charge Offer, Unit Trusts are investment products and some may involve derivatives. Minimise the impacts of market volatility and achieve investment success with the Dollar Cost Averaging feature. You can even buy monthly investment plans online in the comfort of your home. A lump-sum investment in a unit trust may prove to be the most profitable over the medium to long term. It would just take about 10 minutes of . With no lock-in period, unit trusts give you plenty of choice and flexibility. Start investing in Exchange Traded Funds (ETFs) or Unit Trusts (UTs) with as little as S$100 a month. Unit trusts are managed by professional fund managers and have varying levels of risk and return.

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