BCT (MPF) Pro Choice BCT (MPF) Industry Choice BCT Premier Pooled ORSO Retirement Plan
  Fund Name
Equity Fund
BCT ORSO China & HK Equity Fund
Mixed Asset Funds
BCT ORSO Growth Fund
BCT ORSO Balanced Fund
BCT ORSO Stable Growth Fund
BCT ORSO Capital Stable Fund
Lower Risk Funds
BCT ORSO HK Dollar Cash Fund
BCT ORSO Capital Guarantee Fund 1
*Risk & Return Level
Indicator
High 5 The constituent fund aims at achieving a high long-term return among BCT funds; its volatility is expected to be high.
Medium to High 4 The constituent fund aims at achieving a medium to high long-term return among BCT funds; its volatility is expected to be medium to high.
Medium 3 The constituent fund aims at achieving a medium long-term return among BCT funds; its volatility is expected to be medium.
Low to Medium 2 The constituent fund has a low to medium expected long-term return among BCT funds; its volatility is expected to be low to medium.
Low 1 The constituent fund has a low expected long-term return among BCT funds; its volatility is expected to be low.
The Risk & Return Level for each constituent fund is assigned by BCT according to the corresponding constituent fund's volatility and expected return and is provided for reference only. Should there be any change to the Risk and Return Level of any constituent fund(s), BCT will update the associated information accordingly.
 

Important notes :

  • 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.
  • Your investment decision should not be based on this document alone. Please read the Explanatory Memorandum for further details, including the risk factors.
  • BCT ORSO Capital Guaranteed Fund under the Plan invests solely in an insurance policy provided by ING Life. ING Life is the guarantor of the policy. Your investments in BCT ORSO Capital Guaranteed Fund, if any, are therefore subject to the credit risks of ING Life. Please refer to part IV of the Explanatory Memorandum for details of the guarantee features and guarantee conditions.
 
1 The capital guarantee will benefit all monies received during the 10-year period from 1 October 2004 to 30 September 2014.

The guarantor, ING Life, guarantees that the "Declared Rate" will not be less than 2% per annum for the 3-year period from 1 October 2004 to 30 September 2007.

For the subsequent seven years from 1 October 2007 to 30 September 2014, ING Life guarantees that the "Declared Rate" will not be less than 0% per annum.
Investment involves risk. Past performance is not indicative of future performance. The value of funds may fall as well as rise. Investors should refer to the Explanatory Memorandum of the BCT Premier Pooled ORSO Retirement Plan for further details, including the risk factors.