Schroder Provident Plan
Portfolio At-a-glance
The Schroder Provident Plan offers you a choice of 12 investment options ( the “Portfolio”) ranging across the risk and reward spectrum. You can invest in different Portfolios according to your investment objectives and needs.
Five of the portfolios, namely Global Fixed Income Portfolio, Capital Stable Portfolio, Stable Growth Portfolio, Balanced Investment Portfolio and Growth Portfolio may have significant exposure in financial derivatives instruments ("FDI") in the underlying investment funds which can be highly volatile and expose investors to a high risk of loss. Risks associated with the use of FDI include counterparty risk, credit risk, liquidity risk and valuation risk.
Portfolio Name | Portfolio Highlights1 | Risk / Potential Return Profile** |
|---|---|---|
Capital Guaranteed Portfolio | The Portfolio aims to preserve capital and generate a stable return so as to ensure that the Guarantor can provide the guarantee described below. Not less than two thirds of the assets will be invested in high quality worldwide fixed income securities with credit ratings issued by Standard and Poors or Moody’s or other equivalent reputable rating agencies of “A” or above. The balance of the assets may be invested in worldwide blue chip equities and other assets either through direct investment or through authorised or unauthorised unit trusts. | Lower |
Hong Kong Money Market Portfolio | The Portfolio aims to provide an investment medium for investors to enjoy the rates available from a managed portfolio of short term and high quality money market investments and seeks to offer returns in line with money market rates combined with a degree of security and ready availability of monies. | Lower |
US Dollar Money Portfolio | The Portfolio aims to to provide an investment medium for investors to enjoy the rates available from a managed portfolio of short term and high quality money market investments and seeks to offer returns in line with money market rates combined with a degree of security and ready availability of monies. | Lower |
Hong Kong Dollar Fixed Income Portfolio | The Portfolio aims to to provide capital growth and income over a three to five year period by investing in fixed and floating rate securities denominated in HKD. | Lower |
Global Fixed Income Portfolio | The Portfolio aims to to provide security of capital and a comparatively high income return. | Medium |
Capital Stable Portfolio | The Portfolio's investment objective is capital preservation combined with steady capital appreciation in HK dollars over the long term. | Medium |
Stable Growth Portfolio | The Portfolio's investment objective is capital appreciation in HK dollars through investing in quoted equities, and fixed income securities, other asset classes and money market instruments and cash in any part of the world directly or through investment in funds (including qualified exchange traded funds) investing in the foregoing investments. | Medium |
Balanced Investment Portfolio | The Portfolio's investment objective is capital growth in HK dollars through investing in quoted equities, and fixed income securities, other asset classes and money market instruments and cash in any part of the world directly or through investment in funds (including qualified exchange traded funds) investing in the foregoing investments. | Higher |
Growth Portfolio | The Portfolio's investment objective is to achieve long term capital growth in HK dollars through investing primarily in quoted equities on a global basis directly or through investment in funds (including qualified exchange traded funds) investing in quoted equities. | Higher |
Global Equity Portfolio | The Portfolio aims to to provide capital growth in excess of the MSCI World (Net TR) index after fees have been deducted over a three to five year period by investing in equity and equity related securities of companies worldwide. | Higher |
Asian Portfolio | The Portfolio aims to to provide capital growth in excess of the MSCI AC Asia ex Japan (Net TR) index after fees have been deducted over a three to five year period by investing in equity and equity related securities of Asian companies (excluding Japan). | Higher |
Hong Kong Equity Portfolio | The Portfolio aims to provide capital growth in excess of the FTSE Hong Kong (Net TR) index after fees have been deducted over a three to five year period by investing in equity and equity related securities of companies listed on the Hong Kong Stock Exchange. | Higher |
1 Please refer to Appendix I to the Explanatory Memorandum for details of investment objectives and policies.
Risk and Return Spectrum
Generally speaking, the higher the equity content of the portfolio, the higher investment risk associated with it and the higher the potential return in the long term. The investment risk and return profiles illustrated below are to help you match the investment options to your personal risk profile.
**Risk/Potential Return Profile is determined by Schroder Investment Management (Hong Kong) Limited based on a number of factors relating to the underlying investments, including the exposure of equities, breadth and geographical diversification. The Risk/ Potential Return Profile for each Portfolio is provided for reference only. It does not represent the actual return and is not indicative of future performance. Investors should consider their own circumstances, including, without limitation, their own risk tolerance level, financial circumstances and investment objectives, before making any investment decisions. If you are in any doubt, you should seek independent professional financial advice.
Risk/Potential Return Profile will be reviewed and, if appropriate, revised at least yearly by Schroder Investment Management (Hong Kong) Limited taking into account the prevailing market circumstances.
Please refer to the explanatory memorandum/ prospectus of the investment funds which the Portfolios invest in for further details of investment risks applicable to the Portfolios.