HSBC-Link Emerging Markets Equity Fund

Tap into the immense potential of emerging markets and harness the potential of the world's greatest economies with HSBC-Link Emerging Markets Equity Fund

Strong economic growth
Emerging markets - which include Asia, Latin America, Eastern Europe, Africa and the Middle East - have seen amazing growth rates in recent years and this is expected to continue.

Their impressive development is due in part to their vast and abundant natural resources. The low cost of labour has also created many job opportunities and spurred strong economic and export growth. Furthermore, these markets are seeing increasing spending power especially in the rising middle classes.

The sources of growth differ from region to region, hence emerging markets not only offer good growth opportunities, they also provide diversification benefits to investors.

Structural improvements
Emerging markets have seen tremendous structural improvements, both economically and politically, that are conducive for business growth. These include lower levels of inflation, rising foreign reserves, lower debt levels, current account surpluses, sound economic policies, and improving political environments.

Rely on Schroders' expertise
HSBC-Link Emerging Markets Equity Fund is substantially invested in the Schroders Emerging Markets Fund.

Mercer Investment Consulting has rated Schroders Emerging Markets Fund 4 Stars* for having high future performance prospects within a relevant fund peer group.

Liquidity for your investment
You have the flexibility of withdrawing your investment at any time in the event that you need cash^#.

Capital protection upon death
In the event of death, your loved ones will receive a minimum death benefit regardless of the value of the fund. This benefit is not embedded within the fund but is provided for when you select any of our investment-linked plans.

Free fund switches
You can enjoy unlimited switches between funds. This provides you with the flexibility to align your portfolio with your investment objectives should they change over time.

Tax-free returns
Under the current Singapore tax laws, returns from HSBC-Link Emerging Markets Equity Fund are not subject to income tax.

Free fund switches
You can have unlimited switches between funds. This is to ensure your portfolio objective is aligned with your investment objective, which may change along the way.

Tax free returns
Under the current Singapore tax laws, proceeds of a personal life insurance policy are not subjected to income tax.

Tap into the potential of emerging markets today!

You can start your investment from as low as S$100 per month or a S$10,000 lump sum using cash or funds under the Supplementary Retirement Scheme (SRS).

With effect from 1 October 2008, HSBC-Link Emerging Markets Equity Fund will cease to accept subscriptions of new CPF monies.

Call us on (65) 6225 6111 for more information!

Note:
^* Source: The Mercer rating is provided for your information only. Research views may be downloaded from mercerfundwatch.com. Rating is given on 27 February 2006.
^# Full or partial withdrawal can be made provided there is enough cash value in your investment-linked policy at the time of surrender. Your surrender value will be based on the next determined bid price of the fund. Buying a life insurance policy is a long-term commitment. An early termination of the policy will usually involve high costs and the surrender value payable may be less that total premiums paid.
^{^} For all Single Premium (Asset Manager series) and Recurring Single Premium (Accumulation Manager) investment-linked insurance products, bonus units of 2.11% will be given. Net sales charge of 3% applies.