Fund Comparison

BCT Service Pledge

BCT is dedicated to providing quality service.

BCT unveils an updated platform for BCT (MPF) Pro Choice with certain restructuring and changes of investment policies which will take effect on 23 April 2018. During the transition period of restructuring (particularly, after the imposition of relevant cut-off deadlines), our service pledges (as stated below) in relations to certain services with relevant constituent funds will not be applicable. For details of the restructuring, please refer to the "Notice to Participating Employers and Members".

Trustee		Bank Consortium Trust Company Limited
MPF Scheme		BCT (MPF) Industry Choice	BCT (MPF) Pro Choice
Change of investment allocation of existing account balance
Method of the Change	Rebalancing
Method of the Change	Fund switching
By mail	Number of free changes (per calendar year / per scheme year)	Unlimited	Unlimited
	Date of fund price for fund dealing²	Date of receipt of the completed instruction	Date of receipt of the completed instruction
	Required time to complete (after the date of receipt of completed instruction)¹	Within 1 working day	Within 1 working day
By fax	Number of free changes (per calendar year / per scheme year)	Unlimited	Unlimited
	Cut-off time	4:00 p.m.	4:00 p.m.
	Date of fund price for fund dealing ²	Date of receipt of the completed instruction	Date of receipt of the completed instruction
	Required time to complete (after the date of receipt of completed instruction) ³	Within 1 working day	Within 1 working day
Through website	Number of free changes (per calendar year / per scheme year)	Unlimited	Unlimited
	Cut-off time	4:00 p.m.	4:00 p.m.
	Date of fund price for fund dealing ²	Date of receipt of the completed instruction	Date of receipt of the completed instruction
	Required time to complete (after the date of receipt of completed instruction) ³	Within 1 working day	Within 1 working day
Confirmation Statement for Change of Investment Allocation
Footnote
1	From the day following the day of receipt of member's duly completed form by the trustee's administration centre to the working day on which the trustee has completed changing the investment allocation of the existing account balance and allocating the relevant fund units into member's account (exclusive of the day of receipt of the form by the trustee). However, the relevant information may not be updated simultaneously to the trustee's website and IVRS. You may contact the trustee for details. If the form is submitted through other channels provided by the trustee (e.g. bank branch), it may take extra time to pass the form to the administration centre of the trustee.
2	Date of fund price means the date on which the fund price is used for fund dealing after the trustee has received the instruction for rebalancing / fund switching. If the instruction is received by the trustee after the cut-off time on a working day or at any time on a non-working day, it will be deemed to have been received on the next working day.
3	From the day following the day of receipt of member's valid instruction (before the cut-off time on that day) by the trustee's administration centre to the working day on which the trustee has completed changing the investment allocation of the existing account balance and allocating the relevant fund units into member's account (exclusive of the day of receipt of the instruction by the trustee). However, the relevant information may not be updated simultaneously to the trustee's website and IVRS. You may contact the trustee for details. If the instruction is received by the trustee after the cut-off time on a working day or at any time on a non-working day, it will be deemed to have been received on the next working day.
Change of investment mandate of future contributions
By mail	Number of free changes (per calendar year / per scheme year)	Unlimited	Unlimited
By mail	Required time to complete ⁴	Date of receipt of the completed instruction	Date of receipt of the completed instruction
By fax	Number of free changes (per calendar year / per scheme year)	Unlimited	Unlimited
	Cut-off time	4:00 p.m.	4:00 p.m.
	Required time to complete ⁵	Date of receipt of the completed instruction	Date of receipt of the completed instruction
Through website	Number of free changes (per calendar year / per scheme year)	Unlimited	Unlimited
	Cut-off time	4:00 p.m.	4:00 p.m.
	Required time to complete ⁵	Date of receipt of the completed instruction	Date of receipt of the completed instruction
Confirmation Statement for Change of Investment Mandate
Footnote
4	From the day following the day of receipt of member's duly completed form by the trustee's administration centre to the working day on which the trustee has completed updating the investment allocation of future contributions (exclusive of the day of receipt of the form by the trustee). However, the relevant information may not be updated simultaneously to the trustee's website and IVRS. You may contact the trustee for details. If the form is submitted through other channels provided by the trustee (e.g. bank branch), it may take extra time to pass the form to the administration centre of the trustee.
5	From the day following the day of receipt of member's valid instruction (before the cut-off time on that day) by the trustee's administration centre to the working day on which the trustee has completed updating the investment allocation of future contributions (exclusive of the day of receipt of the instruction by the trustee). However, the relevant information may not be updated simultaneously to the trustee's website and IVRS. You may contact the trustee for details. If the instruction is received by the trustee after the cut-off time on a working day or at any time on a non-working day, it will be deemed to have been received on the next working day.
Contribution allocation
Required time to complete (after the date of receipt of required documents)	Employer pays by cheque ⁶	Within 4 working days	Within 4 working days
	Employer pays by Direct Debit Method ⁷	Within 6 working days	Within 6 working days
	Employer pays by Telegraphic / Bank Transfer ⁸	Within 4 working days	Within 4 working days
Footnote
6	From the day following the day of receipt of employer's completed Remittance Statement and cheque by the trustee's administration centre to the working day on which the trustee has used the contributions to subscribe for units in the relevant constituent fund(s) (i.e. the date on which the fund price used for fund subscription is quoted) for the member (exclusive of the day of receipt of the Remittance Statement and cheque by the trustee). If the document is submitted through other channels provided by the trustee (e.g. bank branch), it may take extra time to pass the form to the administration centre of the trustee.
7	From the day following the day of receipt of employer's completed Remittance Statement by the trustee's administration centre to the working day on which the trustee has received the contributions from employer's designated bank account and then used the contributions to subscribe for units in the relevant constituent fund(s) (i.e. the date on which the fund price used for fund subscription is quoted) for the member (exclusive of the day of receipt of the Remittance Statement by the trustee). If the document is submitted through other channels provided by the trustee (e.g. bank branch), it may take extra time to pass the form to the administration centre of the trustee.
8	From the day following the day of receipt of employer's completed Remittance Statement and the contributions by the trustee's administration centre to the working day on which the trustee has used the contributions to subscribe for units in the relevant constituent fund(s) (i.e. the date on which the fund price used for fund subscription is quoted) for the member(exclusive of the day of receipt of the Remittance Statement and the contributions by the trustee). If the document is submitted through other channels provided by the trustee (e.g.bank branch), it may take extra time to pass the form to the administration centre of the trustee.
Transfer of MPF Benefits
Employee Choice Arrangement	As a new trustee, the processing time for serving a copy of election form on the original trustee (after the date of receipt of completed instruction) ⁹	Within 5 working days	Within 5 working days
	As an original trustee, the processing time for redeeming the fund units in member's account ¹⁰	Within 4 working days	Within 4 working days
	As an original trustee, the processing time for transferring MPF benefits out to new scheme after redemption of fund units ¹¹	Within 6 working days	Within 6 working days
	As a new trustee, the processing time for transferring MPF benefits in from original scheme ¹²	Within 2 working days	Within 2 working days
Transfer arrangement for self-employed person, personal account holder or employee ceasing employment	As a new trustee, the processing time for serving a copy of election form on the original trustee (after the date of receipt of completed instruction) ⁹	Within 5 working days	Within 5 working days
	As an original trustee, the processing time for redeeming the fund units in member's account ¹⁰	Within 7 working days	Within 7 working days
	As an original trustee, the processing time for transferring MPF benefits out to new scheme after redemption of fund units ¹¹	Within 6 working days	Within 6 working days
	As a new trustee, the processing time for transferring MPF benefits in from original scheme ¹²	Within 2 working days	Within 2 working days
Footnote
9	From the day following the day of receipt of member's duly completed election form by the new trustee's administration centre to the working day on which the new trustee has served a copy of the election form on the original trustee (exclusive of the day of receipt of the form by the new trustee). If the form is submitted through other channels provided by the trustee (e.g. bank branch), it may take extra time to pass the form to the administration centre of the trustee.
10	From the day following the day on which the original trustee receives a copy of the duly completed election form and all required supporting documents from the new trustee to the working day on which the original trustee has redeemed the fund units in the member's account (exclusive of the day of receipt of the copy of the form and the supporting documents by the original trustee).
11	From the day following the day on which the original trustee has redeemed the fund units in the member's account to the working day on which the original trustee has transferred the accrued benefits out to the new trustee (exclusive of the day of redemption of fund units by the trustee).
12	From the day following the day on which the new trustee receives the accrued benefits from the original trustee to the working day on which the new trustee has used the transferred-in benefits to subscribe for units in the relevant constituent fund(s) (i.e. the date on which the fund price used for fund subscription is quoted) for the member (exclusive of the day of receipt of the accrued benefits by the new trustee).
Withdrawal of MPF benefits
In a lump sum	The processing time for redeeming the fund units in member's account (after the date of receipt of completed instruction) ¹³	Within 7 working days	Within 7 working days
In a lump sum	The processing time for paying the accrued benefits out by trustee after redemption of fund units ¹⁴	Within 6 working days	Within 6 working days
By instalments (applicable to claims of benefits on the grounds of attaining the retirement age of 65 and early retirement only)	Number of free withdrawals by instalments offered (per account in a calendar year)	Unlimited	Unlimited
	Fees charged for exceeding the number of free withdrawals by instalments offered (per withdrawal)	Nil	Nil
	The processing time for redeeming the fund units in member's account ¹⁵	Within 7 working days	Within 7 working days
	The processing time for paying the accrued benefits out by trustee after redemption of fund units ¹⁴	Within 6 working days	Within 6 working days
Footnote
13	From the day following the day of receipt of claimant's duly completed claim form and all required supporting documents by the trustee's administration centre to the working day on which the trustee has redeemed the fund units in the member's account (exclusive of the day of receipt of the form and the required supporting documents by the trustee). To facilitate members' comparison, the processing time provided in this field assumes that the claim for payment is made on the ground of attaining the retirement age of 65, early retirement, total incapacity, terminal illness, death, or small balance. The trustee may need more time to process claims under other circumstances. If the form is submitted through other channels provided by the trustee (e.g. bank branch), it may take extra time to pass the form to the administration centre of the trustee.
14	From the day following the day on which the trustee has redeemed the fund units in the member's account to the working day on which the trustee has paid the accrued benefits to the claimant (exclusive of the day of redemption of fund units by the trustee).
15	From the day following the day of receipt of claimant's duly completed claim form and all required supporting documents by the trustee's administration centre to the working day on which the trustee has redeemed the fund units in the member's account (exclusive of the day of receipt of the form and the required supporting documents by the trustee), unless otherwise agreed between the trustee and the claimant. If the form is submitted through other channels provided by the trustee (e.g. bank branch), it may take extra time to pass the form to the administration centre of the trustee.

Fund Comparison

To provide for the maximum flexibility, users are allowed to make fund comparison across different fund categories. Users, however, should reconsider the appropriateness for such comparison when the selected funds are of different categories and different risk and return profiles. All data, information and results are intended for your personal use only and shall not be shared with or provided to any other person. The comparison is for reference only.

Please select a scheme

Funds to compare (maximum 3 funds)

Fund Categories

BCT (Industry) China and Hong Kong Equity Fund
BCT (Pro) China and Hong Kong Equity Fund
BCT ORSO China and HK Equity Fund
BCT (Industry) Asian Equity Fund
BCT ORSO Global Emerging Markets Equity Fund
BCT (Industry) Global Equity Fund
BCT (Pro) Asian Equity Fund
BCT ORSO Asian Equity Fund
BCT (Industry) E70 Mixed Asset Fund
BCT (Pro) European Equity Fund
BCT ORSO European Equity Fund
BCT (Industry) E50 Mixed Asset Fund
BCT (Pro) Global Equity Fund
BCT ORSO North American Equity Fund
BCT (Industry) E30 Mixed Asset Fund
BCT ORSO Hong Kong Equity Index Fund
BCT (Industry) Flexi Mixed Asset Fund
BCT (Pro) Hang Seng Index Tracking Fund
BCT ORSO Growth Fund
BCT (Industry) Core Accumulation Fund
BCT (Pro) U.S. Equity Fund
BCT ORSO E90 Market Tracking Mixed Asset Fund
BCT (Industry) Age 65 Plus Fund
BCT (Pro) Greater China Equity Fund
BCT ORSO Balanced Fund
BCT (Industry) RMB Bond Fund
BCT (Pro) World Equity Fund
BCT ORSO E70 Market Tracking Mixed Asset Fund
BCT (Industry) Global Bond Fund
BCT (Pro) SaveEasy 2050 Fund
BCT ORSO Stable Growth Fund
BCT (Industry) MPF Conservative Fund
BCT (Pro) SaveEasy 2045 Fund
BCT ORSO E50 Market Tracking Mixed Asset Fund
BCT (Pro) SaveEasy 2040 Fund
BCT ORSO Capital Stable Fund
BCT (Pro) SaveEasy 2035 Fund
BCT ORSO E30 Market Tracking Mixed Asset Fund
BCT (Pro) SaveEasy 2030 Fund
BCT ORSO Asian Income Retirement Fund
BCT (Pro) SaveEasy 2025 Fund
BCT ORSO Global Bond Fund
BCT ORSO HK Dollar Cash Fund
BCT (Pro) E90 Mixed Asset Fund
BCT ORSO Guaranteed Fund
BCT (Pro) E70 Mixed Asset Fund
BCT (Pro) E50 Mixed Asset Fund
BCT (Pro) E30 Mixed Asset Fund
BCT (Pro) Flexi Mixed Asset Fund
BCT (Pro) Core Accumulation Fund
BCT (Pro) Age 65 Plus Fund
BCT (Pro) Asian Income Retirement Fund
BCT (Pro) RMB Bond Fund
BCT (Pro) Global Bond Fund
BCT (Pro) Hong Kong Dollar Bond Fund
BCT (Pro) MPF Conservative Fund

Funds not found. Please choose from another schemes or categories.

Selected Fund(s)

Hang Seng Indexes Company Limited and Hang Seng Data Services Limited are both independent from the Trustee (namely, Bank Consortium Trust Company Limited) and the Investment Manager of the Hang Seng Index Tracking Fund (“Licenced Product”). The mark and the name of Hang Seng Index are proprietary to Hang Seng Data Services Limited and Hang Seng Indexes Company Limited publishes and compiles Hang Seng Index pursuant to a licence from Hang Seng Data Services Limited. Hang Seng Indexes Company Limited and Hang Seng Data Services Limited have agreed to the use of, and the reference to mark and name of, the Hang Seng Index by the Trustee in connection with the Licenced Product, but neither Hang Seng Indexes Company Limited nor Hang Seng Data Services Limited warrants or represents or guarantees to any investors in or any other person dealing with the Licenced Product (“Relevant Persons”) (i) the accuracy or completeness of the index and its computation or any information related thereto; or (ii) the fitness or suitability for any purpose of the index or component or data comprised in it or (iii) the results which may be obtained by person from the use of the index or any component or data comprised in it for any purposes, and no warranty or representation or guarantee of any kind whatsoever relating to the index is given or may be implied. To the extent permitted by applicable law, no responsibility or liability is accepted by Hang Seng Indexes Company Limited or Hang Seng Data Services Limited (i) in respect of the use of and / or reference to the index by the Trustee in connection with the Licenced Product; or (ii) for any inaccuracies, omissions, mistakes or errors of Hang Seng Index Company Limited in the computation of the index or (iii) for any inaccuracies, omissions, mistakes, errors or incompleteness of any information used in connection with the computation of the index which is supplied by any other person; or (iv) for any economic or other loss which may be directly or indirectly sustained by Relevant Persons as a result of any of the aforesaid, and no claims, actions or legal proceedings may be brought against Hang Seng Indexes Company Limited and / or Hang Seng Data Services Limited in connection with the Licenced Product in any manner whatsoever by any Relevant Persons investing in the Licenced Product. Any Relevant Persons do so therefore in full knowledge of this disclaimer and can place no reliance whatsoever on Hang Seng Indexes Company Limited and Hang Seng Data Services Limited. For the avoidance of doubt, this disclaimer does not create any contractual or quasi-contractual relationship between any Relevant Person and Hang Seng Indexes Company Limited and / or Hang Seng Data Services Limited and must not be construed to have created such relationship.

^# Investment Manager of the underlying investment fund / Guarantor of the insurance policy

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Daily Change refers to the percentage change of unit price of the constituent fund as at the valuation date shown against the previous valuation date.

^Ø

Percentage Change is calculated on the basis of NAV-to-NAV in HK$ and is net of the management fees and operating expenses during the selected period except Asian Income Retirement Fund (where applicable).　For Asian Income Retirement Fund, its percentage change is calculated on the basis of NAV-to-NAV in HK$ without dividend reinvested and is net of management fees and operating expenses during the selected period.

⁺

Constituent Fund with performance history of less than 3 years since inception to the reporting date of the fund fact sheet is not required to show the annualised standard deviation.

It is not necessary to show the Fund Expense Ratio as the period between the reporting date of the fund fact sheet and the inception date for the constituent fund is less than 2 years.

^{^^}

The risk class is assigned to the constituent fund according to the seven-point risk classification stated in the table below, which is derived based on the latest fund risk indicator - annualised standard deviation of the constituent fund.

Risk Class	Fund Risk Indicator - Annualised Standard Deviation
Risk Class	Equal or above	Less than
1	0.0%	0.5%
2	0.5%	2.0%
3	2.0%	5.0%
4	5.0%	10.0%
5	10.0%	15.0%
6	15.0%	25.0%
7	25.0%

(i) the risk class is prescribed by the Mandatory Provident Fund Schemes Authority according to the Code on Disclosure for MPF Investment Funds; and (ii) the risk class has not been reviewed or endorsed by the Securities and Futures Commission.

Source: "BCT" - Bank Consortium Trust Company Limited

- BCT Financial Limited

5	High	The constituent fund aims at achieving a high long-term return among constituent funds available under BCT (MPF) Pro Choice; its volatility is expected to be high.
4	Medium to High	The constituent fund aims at achieving a medium to high long-term return among constituent funds available under BCT (MPF) Pro Choice; its volatility is expected to be medium to high.
3	Medium	The constituent fund aims at achieving a medium long-term return among constituent funds available under BCT (MPF) Pro Choice; its volatility is expected to be medium.
2	Low to Medium	The constituent fund has a low to medium expected long-term return among constituent funds available under BCT (MPF) Pro Choice; its volatility is expected to be low to medium.
1	Low	The constituent fund has a low expected long-term return among constituent funds available under BCT (MPF) Pro Choice; its volatility is expected to be low.

5	High	The constituent fund aims at achieving a high long-term return among constituent funds available under BCT (MPF) Industry Choice; its volatility is expected to be high.
4	Medium to High	The constituent fund aims at achieving a medium to high long-term return among constituent funds available under BCT (MPF) Industry Choice; its volatility is expected to be medium to high.
3	Medium	The constituent fund aims at achieving a medium long-term return among constituent funds available under BCT (MPF) Industry Choice; its volatility is expected to be medium.
2	Low to Medium	The constituent fund has a low to medium expected long-term return among constituent funds available under BCT (MPF) Industry Choice; its volatility is expected to be low to medium.
1	Low	The constituent fund has a low expected long-term return among constituent funds available under BCT (MPF) Industry Choice; its volatility is expected to be low.

5	High	The portfolio aims at achieving a high long-term return among portfolios available under BCT Premier Pooled ORSO Retirement Plan; its volatility is expected to be high.
4	Medium to High	The portfolio aims at achieving a medium to high long-term return among portfolios available under BCT Premier Pooled ORSO Retirement Plan; its volatility is expected to be medium to high.
3	Medium	The portfolio aims at achieving a medium long-term return among portfolios available under BCT Premier Pooled ORSO Retirement Plan; its volatility is expected to be medium.
2	Low to Medium	The portfolio has a low to medium expected long-term return among portfolios available under BCT Premier Pooled ORSO Retirement Plan; its volatility is expected to be low to medium.
1	Low	The portfolio has a low expected long-term return among portfolios available under BCT Premier Pooled ORSO Retirement Plan; its volatility is expected to be low.

BCT Service Pledge

Funds to compare (maximum 3 funds)

Fund Performance

^* Risk & Return Level

^* Risk & Return Level

^* Risk & Return Level

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