 Enquire now|  Download Factsheet
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
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.
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.
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 death benefit equivalent to at least 100% of your
investment amount+.
- 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's Premium Europe Growth Fund are not subject to income tax.
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.
|
Investment Objective
The objective of this fund is to provide capital growth primarily
through investment in equity securities of emerging markets companies.
Fund investments are made by way of a feeder fund, which invests substantially, or all its assets
in the Schroder Emerging Markets Fund, which is managed by Schroder Investment Management
(Singapore) Ltd.
|
|
MSCI Emerging Markets Index |
|
Schroder Investment Management (Singapore) Ltd. |
|
Singapore Dollar |
|
Higher risk / Narrowly focused / Regional / Emerging markets |
|
On every business day |
|
5.0% |
|
Not applicable |
|
Single premium: Cash, SRS
Regular premium: Cash only |
|
Fund is available to the following investment-linked plans:
|
|
Unit prices shall be calculated on a daily basis and published in various media on the next working day. All contributions shall be based on the "next determined" price from the effective transaction date. |
|
Unit deductions for withdrawals shall be based on the "next determined" prices from the effective transaction date. Unit deductions for charges and fees shall be based on the last bid prices. |
|
Yes |
|
Yes |
|
Yes |
|
No withdrawal fees on the fund |
|
6 November 2006 |
|
S$1.00 per unit |
|
20 November 2006 |
|
| |
* 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.
+ 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.
The investment-linked plan is underwritten by HSBC Insurance (Singapore) Pte. Limited, 10 Eunos Road 8, #11-01 Singapore Post Centre, Singapore 408600. Company registration no. 195400150N.
The views and opinions expressed or implied in the document are those of Schroders and are not necessarily those of HSBC. Schroder Investment Management (Singapore) Ltd and HSBC Insurance (Singapore) Pte. Limited accept no liability whatsoever for any direct or consequential loss arising from any use of or reliance on this document.
This webpage contains only general information and is subject to change. It does not constitute an offer to buy or sell an insurance product or service. It is also not intended to provide any insurance or financial advice.
Past performance of the fund/fund manager is not necessarily indicative of its future performance. Investors should note that there is no guarantee on the capital and returns. The actual returns depend on actual performance of the underlying investments. The value of units in the investment-linked plan (ILP) fund and the income accruing to the units, if any, may fall and rise. A person interested in this product should read and consider the Product Summary, Fund Summary and Benefit Illustration in deciding whether to buy this product. You can ask for the Product Summary from our authorised agents or appointed distributors including the The Hongkong and Shanghai Banking Corporation Limited.
HSBC Insurance (Singapore) Pte. Limited's authorised
agents or distributors, including The Hongkong and Shanghai Banking Corporation Limited (together "the Agents") are neither the underwriter nor broker for the customer. To the fullest extent permissible pursuant to applicable law, the Agents make no warranties or representation as to the accuracy, correctness, reliability or otherwise of the content of this marketing material. Under no circumstances, including, but not limited to negligence, shall the Agents or any party involved in creating, producing or delivering the marketing material be liable to you for any direct, incidental, consequential, indirect or punitive damages that result in this marketing material, even if the Agents have been advised of the possibility of such damages.
The Agents and/or their employees will receive a commission from HSBC Insurance (Singapore) Pte. Limited in respect of this transaction. The Agents are not suppliers of the products and services and will not accept liability in relation hereto.
|
|
|
