MPF/ORSO
                                                               
                                                               

                                                              泰康資產管理(香港)有限公司

                                                              泰康資產管理(香港)有限公司( 以下簡稱「泰康資產(香港)」) 是泰康資產管理有限責任公司(以下簡稱「泰康資產」) 全資子公司,於2007年11月在香港註冊成立。截至2021年12月底,泰康資產管理資產總規模已超過4,336億美元,躋身中國最大的資產管理機構之一。泰康資產管理的養老金規模達1,000億美元,成為中國最大的養老金管理人之一。

                                                              泰康資產具有豐富的多領域投資經驗,投資範圍涵蓋固定收益投資、權益投資、境外投資、基礎設施及不動產投資、股權投資、金融產品投資等,提供的服務和產品包括保險資金投資管理、基本養老保險基金投資管理、企業年金投資管理、職業年金投資管理、另類項目投資管理、財富管理、資產管理產品、養老金產品、QDII專戶、及公募基金產品等。泰康資產始終圍繞「以客戶為中心」的戰略目標建設客戶服務體系,紮實落實服務清單保障機制,致力於打造客戶體系閉環管理,提升客戶投資體驗。

                                                              資料來源:泰康資產(香港),截至2021年12月31日

                                                              How to select your provider 4 major factors to consider

                                                              Fund Choice
                                                              Fund Performance
                                                              Fee
                                                              Service for Members
                                                              1
                                                              You should consider whether your provider has sufficient constituent fund choices to cater to your needs. How many constituent funds does your existing MPF provider offer?
                                                              Fund Choice

                                                              Fund Choice

                                                              Diversified constituent fund choices are important because different life stages, risk tolerance levels and financial situations require different types of portfolios in order to achieve your retirement goals.

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                                                              Our MPF schemes have a wide range of constituent funds^

                                                              A Wide Range of Funds

                                                              Our MPF schemes offer constituent funds managed by different investment managers that are not affiliated with the BCT Group. This enables us to independently appoint investment managers with diverse investment styles and philosophies to be used in our schemes. For further details, please refer to the latest principal brochure. As of today, 8 fund managers have been engaged to help managing your MPF. Overall speaking, the use of multiple fund managers allows us to focus on, among others, the service quality of the fund managers through our selection and monitoring process and provides us with the flexibility to replace fund managers independently.

                                                              ^ BCT offers 2 MPF schemes, namely, BCT MPF (Pro) Choice and BCT (MPF) Industry Choice which offer a wide range of constituent funds.

                                                              BCT (MPF) Pro Choice
                                                              BCT (MPF) Pro Choice

                                                              BCT (MPF) Pro Choice has 5 constituent fund categories which provides 23 constituent funds covering a wide spectrum of risk.

                                                              • Equity Funds
                                                              • Equity Funds – Market Tracking Series
                                                              • Target Date Mixed Asset Funds
                                                              • Mixed Asset Funds
                                                              • Bond / Money Market Funds

                                                              Target Date Mixed Asset Funds - We are one of the first MPF providers to launch the SaveEasy Fund Series. The SaveEasy Funds are designed to shift their underlying investments from equities towards a greater exposure to bonds and cash as the relevant SaveEasy Fund gets closer to its particular target year. Please refer to Principal Brochure for more details.

                                                              In addition, our Equity Funds - Market Tracking Series consists of three constituent funds. Each constituent fund invests in one or more "Index Tracking Collective Investment Scheme (ITCIS)". All three constituent funds under this series are classified as "Low Fee Fund" (Fund Expense Ratio ≤1.3% or Management Fee ≤1%) as defined by the MPFA.

                                                              BCT (MPF) Industry Choice
                                                              BCT (MPF) Industry Choice

                                                              BCT (MPF) Industry Choice has 3 constituent fund categories which provides 12 constituent funds covering a wide spectrum of risk.

                                                              • Equity Funds
                                                              • Mixed Asset Funds
                                                              • Bond / Money Market Funds

                                                              BCT (MPF) Industry Choice is created specifically for those working in the catering and construction industries.

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                                                              2
                                                              Are you satisfied with your existing MPF fund performance?
                                                              Fund Performance

                                                              Fund Performance

                                                              A stable and consistent investment return can help members accumulate and grow their MPF asset for a quality retirement life.

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                                                              Professionally Managed Constituent Funds

                                                              BCT has Funds are well-managed

                                                              BCT engages different fund managers and selects the most appropriate fund manager(s) for each asset class based on their expertise and a set of criteria.

                                                              Learn more about the Fund Performance: Fund Performance

                                                              HKIFA website: http://www.hkifa.org.hk/eng/Fund-Performance-MPF.aspx

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                                                              3
                                                              Are you satisfied with the existing fees and charges of your MPF scheme(s)?
                                                              Do they provide value-for-money?
                                                              Competitive Fee

                                                              Fee

                                                              Fees directly affect investment returns. It is an important factor to consider when making fund choices.

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                                                              Fees under BCT's MPF Scheme

                                                              Reasonable Fees
                                                              Fees

                                                              BCT reviews the operating efficiency of its constituent funds on an ongoing basis and sets our fees at an appropriate level with an aim to deliver value for our members.


                                                              BCT (MPF) Pro Choice

                                                              Management fees of constituent funds range from 0.75% - 1.50% per annum of net asset value.

                                                              More Info BCT (MPF) Industry Choice

                                                              Management fees of constituent funds range from 0.75% - 1.6% per annum of net asset value.

                                                              More Info
                                                              Special Management Fees
                                                              Effective Management Fees*

                                                              General Personal Accounts
                                                              For Personal Accounts except members who have retired, we offer special management fees ranging from 0.75% - 1.38% per annum of net asset value of constituent funds under the Personal Account.

                                                              More Info

                                                              Special Voluntary Contributions Account and Tax Deductible Voluntary Contributions Account
                                                              Management fees of the constituent funds range from 0.75%-0.99% per annum of net asset value of constituent funds.


                                                              More Info

                                                              Retirees' Personal Accounts
                                                              For Personal Account members who have retired: 0.59% - 0.99% per annum of net asset value depending on constituent fund chosen under the Personal Account.

                                                              Learn more about MPF fees and charges:

                                                              MPFA website: http://cplatform.mpfa.org.hk/MPFA/english/index.jsp

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                                                              4
                                                              Are you satisfied with the service of your current MPF/ORSO provider?
                                                              Service for Members

                                                              Service for Members

                                                              Members are becoming more and more involved in managing their MPF accounts, it is important to select the best fitted provider that provides quality service information to help you make appropriate investment decisions

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                                                              BCT's
                                                              Service for Members

                                                              BCT strives to provide members with comprehensive and customer-centric solutions for managing their MPF account so that retirement planning can be convenient and straightforward

                                                              BCT’s member services are well-recognised within the industry.

                                                              Awards and Recognition
                                                              Online Platform
                                                              One-stop Contact Centre Service
                                                              Investor Education
                                                              Value Added Services
                                                              Communication, Publications
                                                              Online Platform
                                                              • Our Online Platform includes website, mobile applications, MPF eChannel, Social Media (Facebook and Youtube).
                                                              • Manage your MPF account for fund switching, change of investment mandate, MPF account balance of showing the gain and loss, and keep up-to-date with the latest news online.
                                                              One-stop Contact Centre Service
                                                              • A 24-hour interactive voice response system (IVRS) is available for you to manage your MPF.
                                                              • Our professional team can help you handle any enquiries about your MPF account.
                                                              • BCT’s Contact Centre received numerous service awards for our outstanding customer service. Learn more
                                                              • Counter service is also available at BCT office. You can visit us during 9:00am – 6:00pm (Monday to Friday) at 18/F Cosco Tower, 183 Queen's Road Central, Hong Kong.
                                                              Investor Education
                                                              Value Added Services
                                                              Investment Planning Service (IPS)

                                                              Our Investment Planning Service helps members gain a better understanding of their investment goals and risk levels in order to make informed investment decisions. This service does not only cover MPF investments but also other fund ranges such as Collective Investment Scheme (CIS). Through one-on-one consultations, members can find the most suitable funds based on their investment goals.

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                                                              Retirement Planning Service (RPS)

                                                              Our Retirement Planning Service is aimed at assisting members to plan for retirement. Our experts will help members to get prepared for their retirement in financial, social as well as psychological aspects. Through this service, members will enjoy special management fee rates while being able to withdraw funds in phases.

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                                                              Communication and Publications
                                                              • Monthly MPF Account Balance via SMS and SMS notification of receipt of asset transfer-in, fund switching and change of investment mandate
                                                              • Investment Market Outlook
                                                              • e-statement
                                                              • Monthly performance table and quarterly fund performance fact sheet
                                                              • Members' newsletter and BCT e-News
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