The ORSO lifecycle funds offer you a choice of four investment options ranging across the risk and reward spectrum. You can choose the fund that is most suitable to your investment objective.
Fund Options At-a-glance
The following funds (Schroder Capital Stable Fund, Schroder Stable Growth Fund, Schroder Balanced Investment Fund and Schroder Growth Fund) are either fund of funds or feeder funds and as such, may have significant exposure in financial derivatives instruments ("FDI") 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 and liquidity risk.
|Portfolio Name||Investment Objective||Risk Profile|
|Schroder Capital Stable Fund||To preserve capital combined with steady capital appreciation in Hong Kong dollars over the long term.||Medium|
|Schroder Stable Growth Fund||To achieve capital appreciation in Hong Kong 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|
|Schroder Balanced Investment Fund||To achieve capital growth in Hong Kong dollars through investment 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.||High|
|Schroder Growth Fund||To achieve long term capital growth in Hong Kong dollars.||High|
Risk and Return Spectrum
Generally speaking, the higher the equity content of the portfolio, the higher the investment risk associated with it and the higher the potential return in the long term.
Note: The level of investment return is for illustrative purpose only and does not represent the actual return.
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||
|Hong Kong Money Market Portfolio||
|US Dollar Money Portfolio||
|Hong Kong Dollar Fixed Income Portfolio||
|Global Fixed Income Portfolio||
|Capital Stable Portfolio||
|Stable Growth Portfolio||
|Balanced Investment Portfolio||
|Global Equity Portfolio||
|Hong Kong Equity Portfolio||
1 Please refer to Appendix I to the Explanatory Memorandum for details of investment objectives and policies.
2 The guarantee period of the insurance policy, currently invested into by the Capital Guaranteed Portfolio, has been extended for another three years until 31 March 2024. All other terms and provisions of the insurance policy will remain unchanged. Please refer to the section 8 and Appendix II to the Explanatory Memorandum of the Schroder Provident Plan for details of the credit risk, guaranteed features and guarantee conditions.
3 The investment in the Portfolio is subject to the credit risk of Sun Life Hong Kong Limited.
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.