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 Enquire now |  Download Factsheet
Looking for a low-medium risk investment with consistent returns? HSBC-Link Singapore Bond Fund is your proven solution.
- Are a retiree or conservative investor looking at a low-medium risk, cost efficient and flexible investment vehicle
- The HSBC-Link Singapore Bond Fund feeds into DWS Lion Bond Fund*
- This is an insurance-linked policy fund and can be invested only through our investment-linked plans
- The investment manager invests in bonds with a minimum "A" or equivalent rating
- Duration of portfolio is kept between 1.5 to 3 years in order to minimise interest rate risks
- Potentially higher returns than fixed deposits
Like making bank deposits, investing in a bond is similar to lending money for an agreed amount of interest. What distinguishes bonds from other loans is that bonds are traded in the market.
- More stability than equities
Bonds have much lower volatility and are thus safer compared to equities. It is generally recommended that a balanced portfolio should include bond investments - not just to reduce volatility but to spread risk as well.
- A spread of "A" and above quality investment grade bonds There are different kinds of bonds, each behaving differently. Diversifying into various kinds of bonds and periodically re-balancing is a key to optimising your investments. One good way to do so is to invest in a bond fund instead of one single bond.
- Steady earnings with no penalty
Bond provides a predictable stream of payment of interest and repayment of principal. With no penalty, you can withdraw at any point in time. You are not locked in for any period of time, unlike fixed deposits.
- Tax free returns
Under the current Singapore tax laws, proceeds of a personal life insurance policy are not subjected to income tax.
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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.
A minimum of S$10,000 using CPFIS-OA, CPFIS-SA, Cash or SRS will get you started. You can even top-up your investment at your own pace. Speak to our representative or appointed distributor to find out more about the fund.
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.
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Investment Objective
The objective of the fund is to achieve an attractive return by investing in single "A" and above quality investment grade bonds of Singapore and major bond markets such as the G7 countries, Australia and New Zealand
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HSBC Insurance (Singapore) Pte. Limited |
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2 May 2002 |
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Deutsche Asset Management |
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6 Month Step Ladder SIBID |
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Singapore Dollar |
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Low to Medium Risk / Broadly Diversified |
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Income Manager - Single Premium Plan |
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Daily (except weekends and public holidays) |
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"Next Determined" Unit Prices |
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Switching into other funds is disallowed. |
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2% (Income Manager)
5% (Asset Manager 1) |
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0.5% |
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* Underlying fund name was changed in March 2006. Formerly known as Deutsche Lion Bond Fund.
# 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 Single Premium (Asset Manager series) and Recurring Single Premium (Accumulation Manager) investment-linked plans, bonus units of 2.11% will be given. Net sales charge of 3% applies.
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