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 Enquire now |  Download Factsheet
Equities offer the best opportunities for long-term growth, even though they may be volatile in the short term. Bonds are fixed income instruments that offer stability to your investments.
Including bonds in your investment mix lowers your risk while you profit from equities. Depending on your chosen combination, you can earn above average returns at below average risk.
Global Diversified Fund (GDF) offers not one, but five choices. This way, you not only balance your risks and returns; you actually fine-tune them.
- GDF- High Growth: This is a 100% equity portfolio. It offers the best way to maximise capital growth if you are prepared to withstand inevitable short-term market swings and greater volatility - in exchange for higher potential return.
- GDF - Growth: This portfolio has 70% in global equities and 30% in global bonds. This is good if you are looking for capital gain with a little bolster against volatility.
- GDF - Balanced: This portfolio allocates equally between global equities and bonds. It is right for you if you are willing to take moderate volatility and are satisfied with moderate gains.
- GDF - Stable: This portfolio comprises 30% global equities and 70% bonds. It suits you best if you favour stability with some capital growth.
- GDF - Conservative: This is a 100% bond fund. Suitable for those who want their investments to be very safe.
Positioning globally across a broad range of industries helps to temper market swings and capture opportunities in the best performing regions and sectors. This is the best way to optimise the risk-adjusted return on your investment.
- The global equity component of the fund feeds into DWS Intervest.
- 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*.
In the event of death, your loved ones will receive a death benefit equivalent to at least 100% of your investment amount#. You do not need to pay anything extra for this insurance protection.
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.
With effect from 1 October 2008, Global Diversified Funds will cease to accept new subscriptions.
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Investment Objective
Global Diversified Fund (GDF) allows investors to choose different combinations of bonds and equities, diversified across countries and industries. It invests globally in equities of the best companies in their respective industries. For fixed income, it invests in fixed rate bonds of reputable companies with minimum AA- rating and also in sovereign government and supranational bonds in any country and currency.
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HSBC Insurance (Singapore) Pte. Limited |
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22 June 2001 |
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Deutsche Asset Management |
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- GDF High Growth - MSCI World Index (S$)
- GDF Growth - 70% MSCI World Index (S$) and 30% Citi Group World Government Bond Index (S$)
- GDF Balanced - 50% MSCI World Index (S$) and 50% Citi Group World Government Bond Index (S$)
- GDF Stable - 30% MSCI World Index (S$) and 70% Citi Group World Government Bond Index (S$)
- GDF Conservative - Citi Group World Government Bond Index (S$)
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Singapore Dollar |
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- GDF High Growth - Higher Risk
- GDF Growth, GDF Balanced and GDF Stable - Medium to High Risk
- GDF Conservative - Low to Medium Risk
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Daily (except weekends and public holidays) |
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"Next Determined" Unit Price |
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Unlimited free switches between non-Takaful investment-linked policy funds. |
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5% |
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- GDF High Growth - 1.5%
- GDF Growth - 1.5%
- GDF Balanced - 1.5%
- GDF Stable - 1.25%
- GDF Conservative - 1.0%
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*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. An early termination of the policy will usually involve high costs and the surrender value payable may be less than total premium paid.
#Investment amount = Original single premium + Top up - Withdrawal
+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.
Investor should note that there is no guarantee on the capital and returns. The actual returns depend on the actual performance of the underlying investments.
The past performance of the fund manager is not necessarily indicative of its future performance.
Investor should read the latest fund fact sheet, fund manager's report, fund summary and product summary on investment-linked plans for details before deciding to invest.
This information is subject to change.
This information is not to be regarded as an invitation or recommendation by us to buy the fund. You should seek advice from a qualified adviser.
^ Closed for new subscriptions.
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