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Hsbcmpfconnect 0822
Hsbcmpfconnect 0822
08
AUGUST
HSBC MPF 月號
Edition
滙 聯 Connect
• 2022
滙豐強積金基金表現一覽
HSBC MPF fund performance at a glance
滙豐強積金基金表現(截至2022年6月30日1)
Overview of HSBC MPF fund performance (as of 30 June 20221)
紅色顯示的基金:五年期累積回報中表現排名首三位的滙豐強積金基金
Funds highlighted in RED: Top three performing funds among HSBC MPF funds for 5-year cumulative return
HSBC MPF Cumulative Performance “HSBC MPF Fund Fact Sheet” and
“Monthly Fund Performance Summary”8
資料來源:
1
資料來源:香港上海滙豐銀行有限公司,2022年6月30日。
2
基金以港元結算。
3
有關產品特點及所涉及的風險、成分基金詳情、費用及收費及將來可修訂費用及收費的條文,請參閱強積金計劃說明書。
4
資料來源:香港上海滙豐銀行有限公司,截至2022年6月30日。基金表現資料乃根據港元結算的資產淨值對資產淨值計算,股息再投資。
5
由2021年11月12日起,智優逸亞太股票追蹤指數基金由自選亞太股票基金更改名稱而成。由2021年11月19日起,智優逸北美股票追蹤指數基金由自選美國股票基金更改名稱而成。由2021年11月26日起,
智優逸歐洲股票追蹤指數基金由自選歐洲股票基金更改名稱而成。由2021年12月3日起,智優逸均衡基金由自選均衡基金更改名稱而成。上述成分基金的投資目標及投資比重已分別於以上日期起變更。詳
情請參閱強積金計劃說明書。
6
從2019年7月1日起,滙豐強積金自選計劃 ( 「自選計劃」 )已合併入滙豐強積金智選計劃 (「合併」 )。就合併而言,六項成分基金,即自選均衡基金、環球股票基金、自選美國股票基金、自選歐洲股票基金、自
選亞太股票基金及恒生中國企業指數基金,已於滙豐強積金智選計劃下成立。該等成分基金的基金回報為由自選計劃下成立起計算之累積表現,以作參考之用。
7
保證基金只投資於由滙豐人壽保險 (國際) 有限公司提供以保單形式成立的核准匯集投資基金,而有關保證亦由滙豐人壽保險 (國際) 有限公司提供。因此,你於保證基金的投資 (如有) 受滙豐人壽保險 (國際)
有限公司的信貸風險所影響。
8
如欲索取最新基金表現文件之印刷本,請致電滙豐強積金成員熱線3128 0128。
Source:
1
Source: The Hongkong and Shanghai Banking Corporation Limited, as at 30 June 2022.
2
The funds are all denominated in Hong Kong dollars.
3
For more details on product features and risks involved, the Constituent Funds, fees and charges and how these fees and charges may be altered in the future, please refer to the MPF Scheme Brochure.
4
Source: The Hongkong and Shanghai Banking Corporation Limited, as at 30 June 2022. Fund performance information is calculated in Hong Kong dollars on the basis of NAV-to-NAV, dividend reinvested.
5
From 12 November 2021, the ValueChoice Asia Pacific Equity Tracker Fund was renamed from the ValueChoice Asia Pacific Equity Fund. From 19 November 2021, the ValueChoice North America Equity Tracker Fund was
renamed from the ValueChoice US Equity Fund. From 26 November 2021, the ValueChoice Europe Equity Tracker Fund was renamed from the ValueChoice European Equity Fund. From 3 December 2021, the Chinese
name of the ValueChoice Balanced Fund was changed while its English name remained the same. The investment objectives and balances of investments of the above Constituent Funds were changed effective from the
respective aforesaid dates. For details, please refer to the MPF Scheme Brochure.
6
From 1 July 2019, the HSBC Mandatory Provident Fund – ValueChoice (‘ValueChoice’) has been merged with the HSBC Mandatory Provident Fund – SuperTrust Plus (the ‘Merger’). For the purpose of the Merger, six
Constituent Funds, namely, ValueChoice Balanced Fund, Global Equity Fund, ValueChoice US Equity Fund, ValueChoice European Equity Fund, ValueChoice Asia Pacific Equity Fund and Hang Seng China Enterprises Index
Tracking Fund have been launched under HSBC Mandatory Provident Fund - SuperTrust Plus. The performance of these constituent funds is inclusive of the cumulative performance during their span under ValueChoice as
a reference.
7
The Guaranteed Fund invests solely in an approved pooled investment fund in the form of an insurance policy provided by HSBC Life (International) Limited. The guarantee is also given by HSBC Life (International) Limited.
Your investments in the Guaranteed Fund, if any, are therefore subject to the credit risks of HSBC Life (International) Limited.
8
If printed copies of the latest fund performance documents are required, please call HSBC MPF Member Hotline on 3128 0128.
風險披露: Disclaimer:
本資料不應被讀者視為投資意見或作為出售或購入投資產品的建議,也不應被視為投資研究。閣下必須注意,投資價值可升亦可跌,投資者有機會未能取回投資本金。此
外,與成熟市場相比,新興市場投資涉及較高風險,而且較為波動。本文件所載之表現屬歷史數據,過去業績並不代表將來的表現。閣下考慮作出任何投資時,應尋求
專業的意見。This communication does not constitute investment advice or a recommendation to any reader of this content to buy or sell investments nor should it be regarded as
investment research. You should be aware that the value of any investment can go down as well as up and investors may not get back the amount originally invested. Furthermore, any
investments in emerging markets are by their nature higher risk and potentially more volatile than those inherent in established markets. Any performance information shown refers to
the past and should not be seen as an indication of future returns. You should always consider seeking professional advice when thinking about undertaking any form of investment.
以上所提供的強積金資料僅供參考。此等資料可能須不時作出調整或更正,恕不另行通知。有關資料可能會因稍後作出之調整或更正而有所不同。上述所提供之資料不應被
視為投資意見,你不應根據上述資料而作出強積金賬戶的投資選擇。The MPF information provided above is for reference only, which may be subject to adjustment or correction
from time to time without any notice. The relevant information after adjustment or correction may vary. The information provided above should not be regarded as investment
advice. You should not rely on the above information when making any investment choices for your MPF account(s).
滙豐強積金基金表現 HSBC MPF fund performance
表現最好三項成分基金 Top 3 Constituent Funds performance
5年累積回報平均達 表現優秀
成分基金
5-year cumulative
return on average
49.33% 9
Constituent Fund Outstanding
performance
智優逸北美股票追蹤指數基金 ValueChoice North America Equity 65歲後基金、核心累積基金、增長基金、平穩基金及智優逸亞太
Tracker Fund – 57.93% 股票追蹤指數基金表現冠絕同類基金10
北美股票基金 North American Equity Fund – 54.87% Age 65 Plus Fund, Core Accumulation Fund, Growth Fund,
環球股票基金 Global Equity Fund – 35.18% Stable Fund and ValueChoice Asia Pacific Equity Tracker
Fund ranked as top performers among similar funds10
平均基金開支比率
9項成分基金 基金管理費為最低 Lowest Average fund
低於市場平均數
Lower than
9 Constituent Funds management fee expense ratio market average
20項滙豐強積金成分基金當中,有9項的基金管理費為其組別最低11 滙豐強積金成分基金的平均基金開支比率為1.07%12,較市場
9 out of 20 HSBC MPF Constituent Funds with lowest 平均數1.38%12低超過20%
management fee in their respective fund categories11 The average fund expense ratio for HSBC MPF
Constituent Funds is 1.07%12, which is more than 20%
lower than the market average of 1.38%12
滙豐強積金獎項
HSBC MPF awards
『滙豐』
榮獲強積金
『僱主之選』
體現出香港僱主對其品牌的信任及信心這兩方面的擁戴 。
Brand trust and confidence are crucial. HSBC’s MPF Employers’ Choice win shows HSBC retains both in the eyes of Hong Kong employers.
積金評級主席 叢川普
Chairman of MPF Ratings Ltd Mr. Francis Chung
資料來源:
9
上述平均累積回報之計算日期為2017年7月1日至2022年6月30日 ,滙豐強積金智選計劃下最高的三項成分基金累積回報分別為智優逸北美股票追蹤指數基金(57.93%) 、北美股票基金(54.87%)及環球股票基
金(35.18%) 。而49.33%回報為此三項成分基金累積回報的平均值 。基金表現資料乃根據港元結算的資產淨值對資產淨值計算 ,股息再投資 。從2019年7月1日起 ,滙豐強積金自選計劃已合併入滙豐強積金
智選計劃 。因自選美國股票基金及環球股票基金於合併前與自選計劃下對應的成分基金具備相同的名稱 、投資目標和政策 、收費水平以及費用及收費結構 ,此基金的5年回報是自選計劃下基金之累積表現 。
10
資料來源:美世(Mercer)截至2022年6月30日的強積金基金表現報告 。美世為全球最大的員工褔利諮詢公司之一 。以年初至今累積回報計算 ,以上基金於同類基金當中表現排列第一 。
11
資料來源:美世(Mercer)截至2022年6月30日的強積金基金收費表 。
12
根據積金局網頁截至2022年6月30日的資料 。
13
獎項結果乃根據積金評級的評選標準而選出 。有關得獎者名單及評選準則╱方法 ,請瀏覽
Source:
9
The above average cumulative return is calculated from 1 July 2017 to 30 June 2022. The cumulative return for the top 3 performing funds under HSBC Mandatory Provident Fund – SuperTrust Plus during
this period are ValueChoice North America Equity Tracker Fund (57.93%), North American Equity Fund (54.87%) and Global Equity Fund (35.18%). 49.33% is the average of the cumulative return of these 3
funds. Fund performance information is calculated in Hong Kong dollars on the basis of NAV-to-NAV, dividend reinvested. With effect from 1 July 2019, HSBC Mandatory Provident Fund – ValueChoice has
been merged with HSBC Mandatory Provident Fund – SuperTrust Plus. As ValueChoice US Equity Fund and Global Equity Fund have the same name, investment objective and policy, fee levels and fees and
charge structure as their corresponding constituent funds under HSBC VC before the Merger, the 5-year return shows cumulative performance under the respective scheme.
10
Source: Fund performance report as at 30 June 2022, published by Mercer, one of the top global employee benefit consulting firm. The above mentioned fund(s) ranked the first among similar funds of the
same category based on YTD cumulative return.
11
Source: MPF Fees Charts as at 30 June 2022, published by Mercer.
12
Based on information on MPFA's website as at 30 June 2022.
13
The award was based on MPF Ratings’ assessment criteria. For the awardee and assessment criteria/methodology, lease refer to
2 「理柏基金香港年獎2022」14
Lipper Fund Awards Hong Kong 2022 by Refinitiv14
「理柏基金香港年獎2022」14 ,標誌著滙
另外 ,滙豐強積金智選計劃亦同時勇奪六項
豐強積金於過去三年 、五年及十年基金表現突出 。該計劃提供涵蓋不同資產類別及
投資於不同市場的成分基金 ,為不同人生階段及風險承受能力的成員提供表現出色
的基金選擇 。
滙豐投資管理亞太區投資總監陳寶枝博士表示:
「作為滙豐強積金智選計劃的投資經
理,我們一直採取嚴謹的投資框架並以研究和科技為基礎發掘投資機遇。隨著2022
年上半年出現通脹上升、俄烏地緣政治局勢緊張、新冠病毒疫情持續及中國推行監
管改革等不穩定因素,市場無可避免經歷了大幅波動。」她相信分散投資在不同市
場及多元化資產類別,有助成員減低整體投資組合的波幅。
細看滙豐強積金智選計劃,不難發現計劃能夠為身處不同人生階段、擁有不同風險
承受能力的成員提供表現出色的基金產品。舉例而言,同時榮獲今年理柏基金香港
年獎的智優逸北美股票追蹤指數基金及中國股票基金,適合風險承受能力較強的年 陳寶枝博士 ,滙豐投資管理亞太區投資總監
青一代成員;而同樣獲獎的環球債券基金則適合偏好較低風險的成員。混合資產基 Dr. Cecilia Chan – Regional Chief
金採納環球多元化投資方針,在不同年份的回報均較為穩定,整體波幅亦較小於投 Investment Officer, Asia-Pacific, HSBC
資於單一市場股票基金,是一個既方便又能幫助投資者分散投資的選擇。歷史數據 Asset Management
顯示截至2021年12月31日,強積金市場上約36%管理資產總額投資於混合資產基 盧德芳 ,滙豐香港退休金主管
金,相當受成員歡迎15。滙豐強積金智選計劃提供多種基金,涵蓋不同資產類別及 Tak Fong Lo, Head of Pensions, HSBC,
市場,讓成員按自己投資目標和風險承受能力選擇合適的基金類別。 Hong Kong
In addition, HSBC MPF SuperTrust Plus has also been awarded six Lipper Fund 最佳強積金 –
Awards Hong Kong 2022 by Refinitiv14, a recognition to our outstanding performance 十年期環球債券 (當地貨幣)
for the 3-year, 5-year and 10-year return. The Scheme offers a comprehensive range
of Constituent Fund choices for scheme members from different life stages and risk Best Fund over 10 Years – Global Bond LC
tolerance levels.
最佳強積金 – 三年期中國股票
Dr. Cecilia Chan, Regional CIO Asia Pacific, HSBC Asset Management comments, Best Fund over 3 Years - Equity China
“As investment manager of the HSBC MPF SuperTrust Plus, the recent Lipper Fund
Award wins serve as a testament to our success, including consistent research efforts
and robust investment framework on our fund offerings. As the market rode through 最佳強積金 – 五年期中國股票
the first half of 2022 against rising inflation, geo-political tensions in Russia-Ukraine, Best Fund over 5 Years - Equity China
continuing COVID-19 pandemic and regulatory headwinds in China, high volatility levels
were observed.” Cecilia believes diversifying investments across different markets and 最佳強積金 – 十年期中國股票
asset classes can help members lower the overall portfolio volatility.
Best Fund over 10 Years - Equity China
Taking a closer look at the HSBC MPF SuperTrust Plus, it is not hard to notice that
the Scheme offers funds that perform well for members of all risk appetites across 最佳強積金 – 十年期美國股票
different life stages. For instance, the ValueChoice North America Equity Tracker Fund Best Fund over 10 Years - Equity US
and Chinese Equity Fund, both of which were awarded the recent Lipper Awards, may
be suitable for members who have higher risk tolerance levels such as the younger
generation; whereas the award-winning Global Bond Fund is suitable for those that 最佳強積金團體大獎 – 混合型基金類別
prefer less risks. For mixed assets funds that adopt a globally diversified approach, we Hong Kong Pension Funds Group Awards –
notice more stable returns across different calendar years with lower overall volatility Mixed Assets
level compared to single market equity funds, making them a convenient way for
portfolio diversification. From historical data, mixed asset funds have proven to be a
popular choice amongst members, as of 31 December 2021, approximately 36% of
the MPF AUM was invested in mixed asset funds15. The HSBC MPF SuperTrust Plus
offers a range of funds covering various asset classes and markets, allowing members
to select the right fund types that suit their investment objectives and risk tolerance
levels.
資料來源:
14
路孚特 。Refinitiv Lipper Fund Awards, ©2022 Refinitiv. All rights reserved. Used under license.獎項結果乃根據Refinitiv的評選標準而選出 。有關得獎者名單 、評選準則/方法 ,請瀏覽
(Refinitiv)
15
資料來源:強制性公積金計劃統計摘要季刊 ,2021年12月 。
16
獎項結果及評級乃根據讀者文摘的評選標準而選出 。有關得獎者名單 、評選及評級準則╱方法 ,請瀏覽
Source:
14
Refinitiv. Refinitiv Lipper Fund Awards, ©2022 Refinitiv. All rights reserved. Used under license. The awards were based on Refinitiv's assessment criteria. For the awardee, assessment criteria/
methodology, please refer to
15
Source: Mandatory Provident Fund Schemes Statistical Digest – Quarterly Report, December 2021.
16
The awards and rating were based on Reader's Digests’ assessment criteria. For the awardee, assessment and rating criteria/methodology, please refer to
強積金管理貼士
MPF management tips
滙豐強積金為強積金計劃成員提供多項電子化服務 ,你可以隨時隨地透過「香港滙豐
流動理財應用程式」或「滙豐網上理財」,輕鬆管理強積金賬戶 。
HSBC MPF offers comprehensive e-Services for members, you can manage your
MPF portfolio via HSBC HK Mobile Banking app or HSBC Online Banking anytime,
anywhere.
檢視最新基金表現 。 更改投資分布 。
View latest fund Change investment
performance. allocation.
於「滙豐網上理財」查閱或下載電子成員權益報表 。
View or download Member Benefit Statements via HSBC
Online Banking.
屏幕顯示僅供參考及說明用途 。
The screen displays are for reference and illustration purposes only.
助你輕鬆了解滙豐強積金的主要計劃資料
A simple way to understand the key scheme information of HSBC MPF
作為滙豐強積金智選計劃(「智選計劃」)要約文件一部分的「主要計劃資料文件」已於
2022年6月30日刊發。「主要計劃資料文件」為計劃成員提供有關智選計劃的主要計劃
資料,並根據積金局訂立的簡化和標準化格式而成。
The Key Scheme Information Document (the ‘KSID’), which forms part of the offering
document of the HSBC MPF - SuperTrust Plus (the ‘SuperTrust Plus’), has been available from 30
June 2022. The KSID helps to provide scheme members with key scheme information relating to
主要計劃資料文件
滙豐強積金智選計劃 the SuperTrust Plus in a simplified and standardized format prescribed by the MPFA.
目錄
信託人:
強積金為甚麼對你很重要 ? 2
HSBC Provident Fund Trustee
(Hong Kong) Limited 你的強積金供款安排 3
你的強積金供款會如何投資? 4
營辦人:
你的強積金投資有何風險? 7
香港上海滙豐銀行有限公司
如何轉移你的強積金? 7
財政年度終結日: 轉工時,如何處理你的強積金? 8
6月30日 何時調整你的強積金投資組合? 8
你可於何時提取強積金? 9
成分基金數目:
對你有用的其他資料 9
20
如何作出查詢及投訴? 10
「主要計劃資料文件」所載內容主要可分為兩層,計劃成員只需一份文件
本主要計劃資料文件提供有關滙豐強積金智選計劃的主要資料,屬於要約文件的一部分。你不應單憑本文件的內容作出投
資決定。
有關滙豐強積金智選計劃的詳情,請參閱滙豐強積金智選計劃的強積金計劃說明書 及集成
信託契約 。
強積金計劃 集成信託
即可獲得更多資料,並可選擇所需資料的詳細程度。
The KSID has adopted a layered approach which scheme members will
說明書 契約
L-MPF074 v01/0622 (0622)
benefit from having one single document that bring them to more information
and can choose the level of detail of information desired.
第一層是指載有主要計劃資料的「主要計劃資料文件」。
1 The 1st layer refers to the KSID itself with the key scheme information.
2 第二層是指文件或工具,例如幫助計劃成員詳細了解智選計劃的強積金計
劃說明書丶為計劃成員提供最新基金表現的基金概覽 ⁄每月基金表現摘要丶
協助計劃成員作退休策劃的積金局「退休策劃計算機」等。
The 2nd layer refers to the documents or tools, e.g. MPF Scheme Brochure to
help scheme members learn the SuperTrust Plus in detailed; Fund Fact Sheet/
Monthly Fund Performance Summary to provide scheme members the latest
fund performance; and the MPFA’s Retirement Planning Calculator to facilitate
scheme members’ retirement planning and etc.
「主要計劃資料文件」旨在讓計劃成員透過電子方式(例如網頁連結及 ⁄ 或二維碼)輕鬆閱覽
所需文件或工具。了解智選計劃從此更容易!
When employees change jobs, the MPF in their contribution account established from their
previous job would be automatically transferred to a personal account. Assuming that your
career lasts for 30 to 40 years and you change jobs every three to five years, you may be
holding a number of personal accounts. By consolidating your personal accounts into one,
it will be much easier to manage your MPF. For example, you will be able to review your
fund performance at just a glance. If you wish to switch to another MPF scheme offered
by another trustee when you consolidate your personal accounts, you need to beware of
the out-of-market period during the process.
「投資空檔」是指在轉移強積金計劃時,由於原有受託人必須先賣出原計劃內的
基金,再由新受託人購入計劃成員選定的基金,一般會有一段約一至兩個星
期的時間強積金不會投資於任何基金。在此「投資空檔」期,基金價格可能因
市場波動而出現變化。舉例,如果基金價格持續上升,便有機會令你以較低
價賣出原計劃的基金單位,然後以較高價買入新計劃的基金單位,因而有「低
賣高買」
的風險。
The out-of-market period takes place during the transfer of an MPF scheme.
The original trustee needs to sell your fund units in your old scheme before your
new trustee can buy fund units in accordance with your fund choices. During
this period which would last for one to two weeks, your MPF will not be invested
in any MPF funds. As fund prices would be subject to market fluctuations during
this time, you are exposed to the risk of “selling low and buying high”, with the
price difference of the fund units between your old and new schemes.
If you are changing jobs, you can make reference to the MPFA’s Trustee Service Comparative Platform to compare the services offered by
different trustees, before transferring your MPF from the contribution account under your old scheme to the new scheme enrolled by your
new employer, or transferring your MPF from the contribution account under your old scheme to any other scheme (including the old scheme
of your previous employer if you like). You can compare the fees and performance of all MPF funds on the MPFA’s MPF Fund Platform and
make your investment decision according to your personal investment goals and risk-tolerance level. You should review the service and fund
performance of your new trustee regularly after transferring your MPF to a new MPF scheme.
Similarly, employers should be aware of the risk related to the out-of-market period arising from switching MPF schemes. The MPFA
encourages employers to discuss a potential switch with their employees to understand their needs before making the decision to change
MPF schemes. When assessing the suitability of an MPF trustee, employers may also take into consideration the service scope and quality of
the new scheme, including the range of products and how they meet the employees’ needs, and the fee levels.
The MPFA is now working full steam ahead on the construction of the eMPF Platform, which is a centralized, integrated electronic platform
that will allow scheme members to manage their MPF portfolio of different schemes more efficiently via the internet and a mobile application
anytime, anywhere. It will also enhance the efficiency of MPF administrative work and shorten the processing time for transferring MPFs.
滙豐強積金成員可透過以下渠道與我們聯絡
HSBC MPF Members can contact us via the following channels
成員 Member
3128 0128
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• Google Play and the Google Play logo are trademarks of Google LLC. Android is a trademark of Google LLC.
客戶有權要求不得使用其個人資料作直接促銷用途 。如有需要 ,可致函九龍中央郵政信箱73770號 (c/o 香港上海滙豐銀行有限公司) ,向HSBC Provident Fund Trustee (Hong Kong) Limited 資料保障主任提
出 。Customers have a right to request that personal data about them not be used for direct marketing purposes. Requests can be made in writing to the Data Protection Officer, HSBC Provident Fund
Trustee (Hong Kong) Limited, c/o The Hongkong and Shanghai Banking Corporation Limited, PO Box 73770, Kowloon Central Post Office.
由香港上海滙豐銀行有限公司刊發
Issued by The Hongkong and Shanghai Banking Corporation Limited