HSBC-Link Premium Balanced Fund

This fund aims to achieve a balance of long-term capital appreciation and current income. It maintains a blended portfolio of global equities and fixed income securities, but with a Singapore bias.

HSBC-Link Premium Balanced Fund is managed by Deutsche Asset Management (Asia) Limited (the "Manager") and invests all or substantially all of its assets into the DWS Premier Select Trust (the "Underlying Fund"). Please note that with effect from 23 November 2010, DWS Investment GmbH has been appointed by the Manager as the sub-manager of the Underlying Fund.

Firstly, it allows you to take advantage of opportunities offered by leading Singapore and global companies.

Secondly, it provides stability to your portfolio by investing in single "A" and above quality investment grade bonds of Singapore, the G7 countries, Australia and New Zealand.

The HSBC-Link Premium Balanced Fund feeds into DWS Premier Select Trust*

The fund is suitable for investors who are willing to take moderate volatility and are satisfied with moderate gains

This is an insurance-linked policy fund and can be invested only through our investment-linked plans

Your money is not tied to any fixed term when you invest in this fund through our investment-linked policy. You can choose to withdraw your investment at any time^#.

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.

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

HSBC-Link Premium Balanced Fund can be invested using CPFIS-OA, CPFIS-SA, Cash or SRS. You can start from as little as S$100 cash per month or a single premium of S$5,000. You can even top-up your investment over time. Speak to our financial planner or appointed distributor to find out more about the fund.

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

Note:
^* Underlying fund name was changed in March 2006. Formerly known as Deutsche Premier Select Trust.
^# Full or partial withdrawal can be made provided there is enough cash value in your investment-linked policy plan at the time of surrender. Your surrender value will be based on the next determined bid price of the fund. Please note that for Growth Cultivator, surrender penalty applies to full/partial withdrawal before the second policy anniversary. An early termination of the policy will usually involve high costs and the surrender value payable may be less than total premium 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.