Choice of 7 Investment Portfolios

We understand that different people have different investment needs.
We offer 7 investment portfolios
Investment Portfolios

These are called Constituent Funds under the Mandatory Provident Fund Schemes Ordinance.

Each investment portfolio will make direct investment or invest its assets into a single Approved Pooled Investment Fund, which is either a unit trust or an insurance policy registered and approved by the Mandatory Provident Fund Schemes Authority and the Securities and Futures Commission. Registration and approval by the Mandatory Provident Fund Schemes Authority and the Securities and Futures Commission do not imply official recommendation.

to cater for the needs of different investors.
FWD MPF Master Trust Basic Scheme
  arrow FWD MPF Basic Scheme MPF Conservative Portfolio
FWD MPF Basic Scheme MPF Conservative Portfolio
FWD MPF Basic Scheme MPF Conservative Portfolio
  • Low risk
  • Aims to achieve returns, after expenses, which match or exceed Hong Kong Dollar savings rate*
  • Mix of the Investment – 70%-100% deposits and debt securities, 0%-30% cash
  • Invests its assets directly in permissible investments by Schroders
  • Investment involves risk. MPF Conservative Portfolio does not guarantee the repayment of capital
*Please note that the interest earned may be less than inflation
arrow Invest directly in permissible investments by Schroders
arrow FWD MPF Basic Scheme Capital Guaranteed Portfolio
FWD MPF Basic Scheme Capital Guaranteed Portfolio
FWD MPF Basic Scheme Capital Guaranteed Portfolio
  • Low risk (with capital guarantee - capital is guaranteed at the end of every 5 years or when investors reaching the age of 65)*
  • Aims to achieve stable long term returns slightly in excess of Hong Kong inflation #
  • Proposed Asset Allocation of the Underlying APIF- 0%-33% equities, 67%-95% bonds, 0%-33% cash or cash equivalents
  • Assets will be invested in a single APIF managed by FWD Life which in turn invests in an APIF in the form of a unit trust (i.e. the Schroder IPF Global Balanced Fund of Schroder Institutional Pooled Funds) managed by Schroders. Such unit trust shall in turn invest in the underlying investments.
* The guarantor is FWD Life. To qualify for the guarantee, a member must hold beneficial interests in the Capital Guaranteed Portfolio at all times in a 5-year period of continuous investment. The guarantee will also apply over a shorter period if the member reaches the age of 65. The accrued benefits at the end of the guaranteed period will not be less than, in respect of each member, the member's accrued benefits in the portfolio at the beginning of the 5-year period, plus the contributions made to the portfolio during the 5-year period, less the withdrawal amounts paid by the portfolio during the 5-year period, if any. It should be noted that if the member is unable to satisfy the qualifying conditions as stated above, the accrued benefits are fully exposed to fluctuations in the value of the fund's assets. Please also refer to paragraphs 15 through 25 of Part II of the Explanatory Memorandum for details of the guarantee features and conditions

# The target long term return of the Constituent Fund may not be achieved due to market circumstance. It may be lower than the Hong Kong inflation.
FWD MPF Master Trust Comprehensive Scheme An Approved Pooled Investment Fund managed by FWD Life
arrow FWD MPF Basic Scheme Stable Growth Portfolio
FWD MPF Basic Scheme Stable Growth Portfolio
FWD MPF Basic Scheme Stable Growth Portfolio
  • Medium risk
  • Aims to achieve a long term return in excess of Hong Kong price inflation (as measured by the Consumer Price Index Type A)*
  • Proposed Asset Allocation of the Underlying APIF- 30%-60% equities, 20%-60% bonds, 0%-20% cash or cash equivalents
  • Assets will be invested in a single APIF managed by Schroders
* The target long term return of the constituent fund may not be achieved due to market circumstance. It may be lower than the Hong Kong price inflation
arrow An Approved Pooled Investment Fund managed by Schroders
arrow FWD MPF Basic Scheme Balanced Growth Portfolio
FWD MPF Basic Scheme Balanced Growth Portfolio
FWD MPF Basic Scheme Balanced Growth Portfolio
  • High risk
  • Aims to achieve a long term return in excess of salary inflation in Hong Kong (as indicated by the Hong Kong Monthly Digest of Statistics as published by the Census and Statistics Department of the Government of Hong Kong SAR)*.
  • Proposed Asset Allocation of the Underlying APIF- 45%-85% equities, 0%-40% bonds, 0%-20% cash or cash equivalents
  • Assets will be invested in a single APIF managed by Schroders
* The target long term return of the constituent fund may not be achieved due to market circumstance. It may be lower than the Hong Kong Salary Inflation
arrow An Approved Pooled Investment Fund managed by Schroders
arrow FWD MPF Basic Scheme International Equity Portfolio
FWD MPF Basic Scheme International Equity Portfolio
FWD MPF Basic Scheme International Equity Portfolio
  • High risk
  • Focus investment into the global equity markets, to produce returns that are related to those achieved on the major world stock market indices and to manage the volatility of returns in the short term
  • Indicative Asset Allocation of the Underlying APIF- 98% equities, 2% cash
  • Assets will be invested in a single APIF managed by Fidelity
arrow An Approved Pooled Investment Fund managed by Fidelity
arrow FWD MPF Basic Scheme US & Hong Kong Equity Portfolio
FWD MPF Basic Scheme US & Hong Kong Equity Portfolio
FWD MPF Basic Scheme US & Hong Kong Equity Portfolio
  • High risk
  • Aims to achieve long term capital appreciation
  • Asset Allocation (taking into account its investments in the underlying APIFs and/or approved ITCISs): Equities (90%-100%), Cash or cash equivalents (0%-10%)
  • Invests in two or more unit trust APIFs and/or two or more approved ITCISs with exposure to the economies of United States and Hong Kong (such APIFs and/or approved ITCISs selected by SSgA having regard to the investment objective and investment policy of the US & Hong Kong Equity Portfolio)
arrow Invests in two or more unit trust Approved Pooled Investment Funds and/or two or more approved Index-Tracking Collective Investment Schemes selected by SSgA
arrow FWD MPF Basic Scheme Hong Kong Equity Portfolio
FWD MPF Basic Scheme Hong Kong Equity Portfolio
FWD MPF Basic Scheme Hong Kong Equity Portfolio
  • High risk
  • Aims to achieve long term capital appreciation
  • Proposed Asset Allocation of the Underlying APIF- 90%-100% equities (Hong Kong), 0%-10% cash or cash equivalents
  • Assets will be invested in a single APIF managed by Schroders
arrow An Approved Pooled Investment Fund managed by Schroders
purple Constituent Fund Level
white Approved Pooled Investment Fund Level

Access to 4 Experienced Fund Managers

We appreciate that the most important aspect of your investment is its performance.

We offer you a choice of 4 experienced fund managers.

Note: Investment involves risk and the price of units may go down as well as up. Past performance is not indicative of future returns. Please refer to the relevant Explanatory Memorandum/Offering Document for further details.

The Constituent Funds are classified into three categories in terms of risk level, namely low, medium or high risk. The risk level is an illustration of the amount of risks associated with the relevant Constituent Fund by reference to the type of investments made by the underlying approved pooled investment fund(s) and the underlying approved index-tracking collective investment schemes ("ITCISs"). The risk level is for reference only and not an indication of the past or future performance of the Constituent Fund. The risk level is solely assessed by the Trustee on the assumption that equities are riskier than bonds, which in turn are riskier than cash. The risk rating will be reviewed at least annually according to the prevailing market circumstances. The actual risks associated with each Constituent Fund may differ from the projected risk level.

All Constituent Funds (except FWD MPF Basic Scheme MPF Conservative Portfolio and FWD MPF Basic Scheme US & Hong Kong Equity Portfolio) invest their assets into a single approved pooled investment fund ("APIF") and may also hold cash up to 5% of its assets from time to time for ancillary purposes such as for meeting redemption requests or for defraying operating expenses. FWD MPF Basic Scheme MPF Conservative Portfolio invests its assets directly in permissible investments. FWD MPF Basic Scheme US & Hong Kong Equity Portfolio invests in two or more unit trust APIFs and/or two or more approved ITCISs.

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