滙豐強積金 2018年8月號 HSBC MPF August 2018 Edition

生活滙訊EssenceLife

重要事項• 滙豐強積金智選計劃及自選計劃為強制性公積金計劃。

• 在作出投資選擇前，你必須衡量個人可承受風險的程

度及你的財政狀況。在選擇基金時，如你就某一項基

金是否適合你（包括是否符合你的投資目標）而有任何

疑問，請徵詢財務及╱或專業人士的意見，並因應你

的個人狀況而選擇最適合你的基金。

• 在投資「預設投資策略」前，你必須衡量個人可承受風

險的程度及財政狀況。請注意預設投資策略基金（核

心累積基金與65歲後基金）未必適合你，而預設投資策略基金的風險級數與你的風險取向或出現風險錯配

的情況（組合的風險或高於你的風險取向）。在作出投

資決定時，如你就「預設投資策略」是否適合你而有任

何疑問，請徵詢財務及╱或專業人士的意見，並因應

你的個人狀況而選擇最適合的投資選擇。

• 你應注意「預設投資策略」的實施或對你的強積金投資

及權益有影響。如你有任何疑問關於實施「預設投資

策略」對你的影響，我們建議你可向信託人查詢。

• 滙豐強積金智選計劃內之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）將

受滙豐人壽保險（國際）有限公司的信用風險所影響。 有關信用風險的詳情，請參閱滙豐強積金智選計劃

「主要推銷刊物」的第二部分 — 基金結構內「保證 基金」下的「忠告」。

• 保證基金所提供的保證只適用於指定的條件。有關保

證特點（包括分期支付權益情形下的保證特點）及保證

條件的詳情，請參閱滙豐強積金智選計劃「主要推銷

刊物」的第二部分 — 基金結構內「保證基金」下的 「保證特點」。

• 在成員年滿65歲之日或者於其年滿60歲之日或之後提早退休時所應支付的強積金的權益和自願性供款的權

益，可由成員選擇（採用信託人在不被《強積金條例》

或一般規例禁止的範圍內訂定的形式，並且按照信託

人在不被《強積金條例》或一般規例禁止的範圍內訂定

的條款和條件）整筆支付或分期支付。詳情請參閱有

關「主要推銷刊物」的第一部分 — 產品資料內「權益支付」下的「支付強積金的權益及自願性供款的權益」。

• 你應該參閱有關「主要推銷刊物」，而不應只根據這文

件作出投資。

• 投資涉及風險。往績不能作為未來表現的指標。金融

工具（尤其是股票及股份）之價值及任何來自此類金融

工具之收入均可跌可升。有關詳情，包括產品特點及

所涉及的風險，請參閱有關「主要推銷刊物」。

Important notes• The HSBC Mandatory Provident Fund – SuperTrust Plus and

ValueChoice are mandatory provident fund schemes.

• You should consider your own risk tolerance level and financial circumstances before making any investment choices. When, in your selection of funds, you are in doubt as to whether a certain fund is suitable for you (including whether it is consistent with your investment objectives), you should seek financial and/or professional advice and choose the fund(s) most suitable for you taking into account your circumstances.

• You should consider your own risk tolerance level and financial circumstances before investing in the MPF Default Investment Strategy. You should note that the DIS constituent funds, namely, the Core Accumulation Fund and the Age 65 Plus Fund, may not be suitable for you, and there may be a risk mismatch between the DIS constituent funds and your risk profile (the resulting portfolio risk may be greater than your risk preference). You should seek financial and/or professional advice if you are in doubt as to whether the DIS is suitable for you, and make the investment decision most suitable for you taking into account your circumstances.

• You should note that the implementation of the DIS may have an impact on your MPF investments and benefits. We recommend that you consult with the Trustee if you have doubts on how you are being affected.

• The Guaranteed Fund under HSBC Mandatory Provident Fund – SuperTrust Plus 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. Please refer to the ‘Warning’ section under ’Guaranteed Fund’ in Part II – Fund Structure of the ‘Principal Brochure’ of HSBC Mandatory Provident Fund – SuperTrust Plus for details of the credit risk.

• The guarantee in the Guaranteed Fund only applies under certain conditions. Please refer to the ‘Guarantee features’ section under Guaranteed Fund’ in Part II – Fund Structure of the ’Principal Brochure’ of HSBC Mandatory Provident Fund – SuperTrust Plus for full details of the guarantee features and Guarantee Conditions, including the guarantee features in the context of payment of benefits in instalments.

• MPF Benefits and AVC Benefits payable on a member’s 65th birthday or early retirement on or after his/her reaching age 60 can be paid in one lump sum or in instalments, at the member’s election (in such form and on such terms as the Trustee may, to the extent not prohibited by the ‘MPF Ordinance’ or General Regulation, prescribe). Please refer to the ‘Payment of MPF Benefits and AVC Benefits’ section under ‘Payment of benefits’ in Part I – Product Information of the relevant ‘Principal Brochure’ for full details.

• You should not invest based on this document alone and should read the relevant ‘Principal Brochure’.

• Investment involves risks. Past performance is not indicative of future performance. The value of financial instruments, in particular stocks and shares, and any income from such financial instruments, may go down as well as up. For further details including the product features and risks involved, please refer to the relevant ‘Principal Brochure’.

強積金獎項 MPF Awards

在2018年的第二季，滙豐強積金很高興得到多個業界的獎項以表揚我們在管理、服務及基金投資的傑出表現，當中包括：

HSBC MPF is delighted to receive various awards in second quarter of 2018 in recognition for the outstanding performance of investment funds, management and services provide to our customers, the awards includes:

理柏基金香港年獎2018（強積金組別） — 最佳強積金 — 五年期環球債券Lipper Fund Awards 2018 (Hong Kong Pension Funds) – Best Fund over 5 years – Bond Global• 滙豐強積金智選計劃 — 環球債券基金

HSBC Mandatory Provident Fund – SuperTrust Plus – Global Bond Fund

• 滙豐強積金自選計劃 — 環球債券基金HSBC Mandatory Provident Fund – ValueChoice – Global Bond Fund

理柏基金香港年獎2018（強積金組別） — 最佳強積金 — 三年期環球債券Lipper Fund Awards 2018 (Hong Kong Pension Funds) – Best Fund over 3 years – Bond Global• 滙豐強積金智選計劃 — 環球債券基金

HSBC Mandatory Provident Fund – SuperTrust Plus – Global Bond Fund

• 滙豐強積金自選計劃 — 環球債券基金HSBC Mandatory Provident Fund – ValueChoice – Global Bond Fund

湯森路透理柏基金Thomson Reuters Lipper Fund

滙豐香港退休金主管葉士奇先生（左二）， 與管理層出席了湯森透理柏基金的頒獎典禮。

Mr Alfred Yip (second left), Head of Pensions, HSBC, Hong Kong attended the Thomson Reuters Lipper Fund award presentation ceremony with management team.

理柏基金香港年獎2018（強積金組別） — 三年期最佳混合型強積金團體大獎Lipper Fund Awards 2018 (Hong Kong Pension Funds) – Best Group in Mixed Asset over 3 years

理柏基金香港年獎2018（強積金組別） — 最佳強積金 — 五年期中國股票Lipper Fund Awards 2018 (Hong Kong Pension Funds) – Best Fund over 5 years – Equity China• 滙豐強積金智選計劃 — 中國股票基金

HSBC Mandatory Provident Fund – SuperTrust Plus – Chinese Equity Fund

理柏基金香港年獎2018（強積金組別） — 最佳強積金 — 三年期中國股票Lipper Fund Awards 2018 (Hong Kong Pension Funds) – Best Fund over 3 years – Equity China• 滙豐強積金智選計劃 — 中國股票基金

HSBC Mandatory Provident Fund – SuperTrust Plus – Chinese Equity Fund

理柏基金香港年獎2018（強積金組別） — 最佳強積金 — 五年期美國股票Lipper Fund Awards 2018 (Hong Kong Pension Funds) – Best Fund over 5 years – Equity US• 滙豐強積金自選計劃 — 自選美國股票基金

HSBC Mandatory Provident Fund – ValueChoice – ValueChoice US Equity Fund

理柏基金香港年獎2018（強積金組別） — 最佳強積金 — 三年期美國股票Lipper Fund Awards 2018 (Hong Kong Pension Funds) – Best Fund over 3 years – Equity US• 滙豐強積金自選計劃 — 自選美國股票基金

HSBC Mandatory Provident Fund – ValueChoice – ValueChoice US Equity Fund

《讀者文摘》信譽品牌金獎2018（強積金類別）Reader’s Digest Trusted Brands 2018 – Gold Award of Provident Fund Category

《資本壹週》服務大獎2018（強積金組別）Capital Weekly Service Awards 2018 (MPF Category)

滙豐香港退休金主管葉士奇先

生（左）很高興接受由資本壹

週週頒發的獎項。

Mr Alfred Yip (left), Head of Pensions, HSBC, Hong Kong is happy to receive the award from Capital Weekly.

Mr Roderick Koliloedjoer（右）代表滙豐強積金接受由讀者文摘頒發的獎項。

Mr Roderick Koliloedjoer (right), Head of Commercial Business Development & Management, Pensions, HSBC, Hong Kong represented HSBC MPF to receive the award from Reader’s Digest.

創造優勢，邁向美好未來Empowering you for a bright future

滙豐強積金推出了兩段全新短片展示滙豐強積金的優勢以及宣揚我們品牌訊息「滙豐強積金：創造優勢，邁向美好未來」。 短片帶出滙豐強積金的優勝之處並讓僱主和僱員了解我們的長處和價值，歡迎瀏覽滙豐強積金網頁上的積金教室以觀看這兩段短片。

HSBC MPF has released two new videos to showcase the robustness of HSBC MPF and spread our message ‘HSBC MPF: Empowering you for a bright future’. By highlighting our strengths relevant to both employer and employee, they could easily understand the benefits and values that HSBC MPF offers. Simply visit the HSBC MPF Academy on HSBC MPF website to watch the videos!

積金教室專頁 MPF Academy:

更多有關整合強積金賬戶的詳情可以瀏覽：

For more information on consolidating MPF accounts, please visit:

滙豐強積金多年來為大眾提供專業的強積金服務支

援，並致力提供一站式電子管理平台，讓客戶輕鬆

管理強積金。相信你在各個平台上已經看過我們 宣傳整合強積金賬戶的廣告，整合強積金賬戶不但 可以讓你以同一個平台輕鬆管理你的強積金，同時 滙豐強積金的結餘會計算於「全面理財總值」內， 讓你獲享更尊貴的理財服務。請鼓勵你的員工整合

他們的強積金以享有更多優勢。

In order to facilitate hassle-free MPF management for our customer, HSBC MPF has been devoted to provide professional MPF service and offering a variety of electronic services. You will have seen our advertisements in various places to encourage people to consolidate their MPF accounts. Having all of your MPF accounts together will make it easier to manage your MPF under one single platform. Furthermore, HSBC MPF balance is counted towards your ‘Total Relationship Balance’ in HSBC, making it easier for you to enjoy more privileged banking service. Please encourage your employees to consolidate their MPF to start enjoying the benefit.

整合你的強積金賬戶Consolidate your MPF accounts

Various changes are being made to HSBC Mandatory Provident Fund – SuperTrust Plus and HSBC Mandatory Provident Fund – ValueChoice (collectively, the ‘HSBC Master Trusts’).

Change in administrator With effect from 1 November 2018, HSBC Life (International) Limited will cease to be the Administrator of the HSBC Master Trusts and The Hongkong and Shanghai Banking Corporation Limited, will be the Administrator of the HSBC Master Trusts.

Notwithstanding the changes described above, there will not be any changes or suspension to the current services (e.g. HSBC MPF Employer / Member Hotline, Business Internet Banking / Personal Internal Banking and Interactive Voice Response System) or offerings that are being provided to you and there will not be any action required from you to continue enjoying the services.

More transparency in fee structureIn July 2018, the 'Principal Brochure' of each of the HSBC Master Trusts has been updated to (i) disclose the breakdown of the management fee of each Constituent Fund and corresponding underlying approved pooled investment fund(s) and/or ITCIS(s) and (ii) simplify the investment policies of the index tracking funds per their existing actual investment arrangements.

The disclosure of the breakdown of the management fee aims to provide you with more information, so that, you can better manage your MPF portfolio. Please rest assured, the management fee level in respect of each Constituent Fund will remain unchanged.

For further details to the changes, you may refer to the latest version of ‘Principal Brochures’, the Notice to Scheme Participants and the Frequently Asked Questions regarding the change on our website.

有關滙豐強積金智選計劃及滙豐強積金自選計劃之變更Changes to HSBC Mandatory Provident Fund – SuperTrust Plus and HSBC Mandatory Provident Fund – ValueChoice

滙豐強積金智選計劃及滙豐強積金自選計劃（合稱「滙

豐集成信託計劃」）將作出各項變更。

更改行政管理人自2018年11月1日起，滙豐人壽保險（國際）有限公司將不再擔任滙豐集成信託計劃的行政管理人，而香港

上海滙豐銀行有限公司將成為滙豐集成信託計劃的行政

管理人。

儘管作出上述的變更，滙豐強積金現時為你提供的服 務（例如：滙豐強積金僱主╱成員熱線、商務「網上理

財」╱個人「網上理財」及互動式話音回應系統）均不會

受影響，而所有安排亦將保持不變，你無需採取任何 行動仍可繼續享受現有服務。

披露基金管理費分布自2018年7月起，各滙豐集成信託計劃的「主要推銷刊物」已作出更新，(i) 披露各成分基金及其相關核准匯集投資基金及╱或緊貼指數集體投資計劃的基金管理費分

布；及 (ii) 根據現有的實際投資安排，簡化各項指數追蹤基金的投資政策。

披露基金管理費的分布，旨在為你提供更多的資訊，使

你能夠更有效地管理你的強積金資產。我們亦確保各成

分基金的基金管理費率將維持不變。

有關詳情，你可以參閱豐滙強積金網頁上最新的「主要

推銷刊物」，致計劃參與者之通告及關於此變更的常見

問題。

Trustee of HSBC MPF (ie HSBC Provident Fund Trustee (Hong Kong) Limited) joined with 13 MPF trustees committed to uphold the Governance Charter of MPF Trustees (‘Charter’) at the pledging ceremony held by Mandatory Provident Fund Schemes Authority in May 2018.

The Charter aims to promote a high standard of governance among all MPF trustees to operate MPF schemes efficiently and effectively to act in the interests of members.

強積金受託人誓師儀式Trustee charter pledging ceremony

滙豐強積金受託人（即HSBC Provident Fund Trustee (Hong Kong) Limited）聯同另外13個受託人出席由強制性公積金計劃管理局於2018年5月舉行的《強積金受託 人管治約章》（《約章》）誓師儀式，一同承諾維護《約章》。

定立《約章》是希望推動所有強積金受託人維持高水平的

管治，並以計劃成員利益為先，用具效率及效能的方式

營運強積金計劃。

《約章》有六大核心價值 The Charter has six core values, including:

• 成員利益為先 Act in the best interests of members

• 提升管治水平 Lift governance standards

• 切合成員所需 Understand and respond to members’ needs

• 促進良好溝通 Engage members through transparency and communication

• 服務至真至誠 Serve with honesty and integrity

• 計劃物有所值 Value-for-money MPF schemes and services

積金局推出基金表現平台，

讓計劃成員從多角度瞭解 基金的特性。

The MPFA has launched the Fund Performance Platform to help scheme members understand MPF fund features from different perspectives.

The Mandatory Provident Fund Schemes Authority (MPFA) has been increasing the fund transparency of the Mandatory Provident Fund (MPF) to enhance scheme members’ understanding of the MPF System and funds.

In February, the MPFA launched the Fund Performance Platform to help scheme members compare fund sizes, launch dates, the latest Fund Expense Ratios, fund risk indicators, annualized returns covering different periods, and cumulative returns of all MPF schemes. This allows users to understand MPF fund features from different perspectives and review whether the funds they invest in will meet their retirement needs.

There are three interactive sections in the Platform – ‘My Selection’, ‘Performance Chart’ and ‘Fund Information Table’ – to let scheme members compare the performance and fees of the funds they have currently invested in, as well as those they are interested in. They can pick up to 10 funds to make an in-depth comparison in one go.

Another feature of the Platform is to let users know how funds in a particular scheme perform against other funds of the same type.

Employers can make use of the Platform to compare fund fees and performance among schemes to choose a suitable MPF scheme provider for their employees.

積金局推出基金表現平台一站式盡覽基金資訊MPFA launches one-stop Fund Performance Platform

強制性公積金計劃管理局（積金局）一直致力提高強制

性公積金（強積金）基金的透明度，加強強積金計劃成

員對強積金制度和基金的認識。

在2月，積金局便推出基金表現平台，讓計劃成員能在彈指間比較所有強積金計劃的基金的規模、推出日期、

最近期的基金開支比率、風險標記、不同年期的年率化

回報及累積回報等。用家可以從多角度瞭解強積金基金

的特性，和審視已投資的強積金基金能否切合自己的退

休需要。

平台亦設有「我的選擇」、「基金資訊表」和「基金表現

圖表」三個互動專區，讓計劃成員比較自己已投資的強

積金基金和心儀基金的表現及收費等。用家可以一次過

選擇多至10個基金作深入比較。

基金表現平台的另一大特色是可以讓用家便捷地知道某

一計劃下所有基金於同類基金的表現。

僱主亦可以利用此平台，比較各計劃內的基金收費和表

現，揀選適合僱員的強積金計劃供應商。

熱線 Hotline：2918 0102 網頁 Website：

以上資料由強制性公積金計劃管理局提供。

The above information is provided by the Mandatory Provident Fund Schemes Authority.

此外，積金局更在Facebook專頁「全積特攻」 （ ）

推出聊天機械人，以模擬對話形式，提供實用的強積金

投資和退休策劃資訊。用家輸入有關管理強積金和退休

策劃等問題後，聊天機械人會即時自動提供相關資料。

The MPFA also launched a Messenger Bot earlier, called Workplace Incredibles, on its Facebook page (

), which simulates conversations to provide useful MPF investment and retirement planning information. Users input questions about MPF management and retirement planning, and the chat robot automatically provides relevant information immediately (The Messenger Bot supports enquiries and conversations only in Chinese).

基金表現平台網址 Fund Performance Platform website:

有關的強積金服務，包括但不限於網上服務、自動櫃員機、綜合銀行結單、分行網絡及部分熱線服務乃透過香港上海滙豐銀行有限公司提供。The MPF associated services, including but not limited to the internet service, ATM, consolidated bank statement, branch network and part of the hotline service, are provided through The Hongkong and Shanghai Banking Corporation Limited.

本刊物所載資料僅供參考，詳情以強制性公積金計劃條例、其他生效的法例╱規例及強制性公積金計劃管理局發出的指引或公布為準。如對本刊物內容的涵義或效力有任何疑問，請徵詢獨立專業人士 的意見。The information contained in this publication is for reference only and the provisions of the Mandatory Provident Fund Schemes Ordinance, other applicable legislation/regulations and guidelines or announcements published by the Mandatory Provident Fund Schemes Authority shall prevail. If you are in doubt about the meaning or the effect of the contents of this publication, you should seek independent professional advice.

投資涉及風險。往績不能作為未來表現的指標。金融工具（尤其是股票及股份）之價值及任何來自此類金融工具之收入均可跌可升。有關詳情，包括產品特點及所涉及的風險，請參閱有關「主要推銷 刊物」。Investment involves risks. Past performance is not indicative of future performance. The value of financial instruments, in particular stocks and shares, and any income from such financial instruments, may go down as well as up. For further details including the product features and risks involved, please refer to the relevant ‘Principal Brochure’.

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 滙豐人壽保險（國際）有限公司），向HSBC Provident Fund Trustee (Hong Kong) Limited資料保護主任提出。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 HSBC Life (International) 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 L-

MPF

015B

v01

/081

8(08

18)

資料來源： 強制性公積金計劃管理局 （「積金局」）網頁 積金局會於每月第二個工作日在《南華早報》及《信報》刊登訂明儲蓄利率。

Source: The Mandatory Provident Fund Schemes Authority’s (‘MPFA’) website at The MPFA publishes the prescribed savings rate in the South China Morning Post and Hong Kong Economic Journal on the second working day of each month.

日期 Date 年率 Annual rate

1-31/5/2018 0.007%

1-30/6/2018 0.007%

1-31/7/2018 0.007%

強積金保守基金的訂明儲蓄利率Prescribed savings rates for MPF Conservative Fund

僱主如透過商務網上理財遞交付款結算書，在「確 認指示」頁上會顯示成功遞交供款資料的訊息以及 「備註號碼」（例子如下），如此兩項資料未有顯示則 代表未能成功遞交供款。如你發現「確認指示」頁上

未有顯示以上資料，請致電滙豐強積金僱主熱線

2583 8033尋求協助，以免因未能成功遞交供款而 可能需繳交附加費。

行政小錦囊：經商務網上理財遞交供款Handy administrative tips: Contribution submission through Business Internet Banking (BIB)

When employer submits remittance statement through BIB, a message indicating successful submission and a ‘Reference No.’ will be shown on the ‘Acknowledgement’ page (example below). If any of these two items is missing, the contribution submission is deemed unsuccessful. If you do not find these two items on the ‘Acknowledgement’ page, please contact HSBC MPF Employer Hotline at 2583 8033 for assistance to avoid potential contribution surcharge due to unsuccessful contribution submission.

成功遞交供款資料的訊息以及「備註號碼」會顯示在頁面的中間位置。

The message indicating successful submission and a ‘Reference No.’ will be shown in the middle of the page.