Fund Information
 
 

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Fund Range

Our MPF Investment Schemes

We offer two different MPF schemes: BCT (MPF) Pro Choice, a master trust scheme and BCT (MPF) Industry Choice, an industry scheme to cater to different employees in Hong Kong.

Our master trust scheme is aimed towards the general working population while our industry scheme is designed for those working in the catering and construction industries. We strive to be the provider of choice, so our MPF constituent funds available under the 2 MPF schemes are managed by seven independent global investment managers which are selected based on stringent criteria and our members’ interests in mind.

Name of Constituent FundInvestment Manager
Equity Funds  
BCT (Pro) China and Hong Kong Equity Fund Amundi Hong Kong Limited
BCT (Pro) Asian Equity Fund Amundi Hong Kong Limited
BCT (Pro) European Equity Fund Amundi Hong Kong Limited
BCT (Pro) Global Equity Fund Amundi Hong Kong Limited
Equity Funds – Market Tracking Series  
BCT (Pro) Hang Seng Index Tracking Fund State Street Global Advisors Asia Limited
BCT (Pro) Greater China Equity Fund State Street Global Advisors Asia Limited
BCT (Pro) World Equity Fund State Street Global Advisors Asia Limited
Target Date Mixed Asset Funds  
BCT (Pro) SaveEasy 2040 Fund FIL Investment Management (Hong Kong) Limited
BCT (Pro) SaveEasy 2035 Fund FIL Investment Management (Hong Kong) Limited
BCT (Pro) SaveEasy 2030 Fund FIL Investment Management (Hong Kong) Limited
BCT (Pro) SaveEasy 2025 Fund FIL Investment Management (Hong Kong) Limited
BCT (Pro) SaveEasy 2020 Fund FIL Investment Management (Hong Kong) Limited
Mixed Asset Funds  
BCT (Pro) E90 Mixed Asset Fund Amundi Hong Kong Limited
BCT (Pro) E70 Mixed Asset Fund Amundi Hong Kong Limited
BCT (Pro) E50 Mixed Asset Fund Amundi Hong Kong Limited
BCT (Pro) E30 Mixed Asset Fund Amundi Hong Kong Limited
BCT (Pro) Absolute Return Fund Allianz Global Investors Asia Pacific Limited
BCT (Pro) Core Accumulation Fund* Invesco Hong Kong Limited
BCT (Pro) Age 65 Plus Fund* Invesco Hong Kong Limited
Bond / Money Market Funds  
BCT (Pro) RMB Bond Fund Invesco Hong Kong Limited
BCT (Pro) Global Bond Fund Amundi Hong Kong Limited
BCT (Pro) Hong Kong Dollar Bond Fund JPMorgan Funds (Asia) Limited
BCT (Pro) MPF Conservative Fund Invesco Hong Kong Limited
* DIS Funds

Management Fees

Name of Constituent FundManagement Fees1
(% per annum of net asset value)
Equity Funds  
BCT (Pro) China and Hong Kong Equity Fund 1.43%
BCT (Pro) Asian Equity Fund 1.50%
BCT (Pro) European Equity Fund 1.50%
BCT (Pro) Global Equity Fund 1.44%
Equity Funds – Market Tracking Series  
BCT (Pro) Hang Seng Index Tracking Fund 0.75% - 0.80%
BCT (Pro) Greater China Equity Fund up to 0.99%
BCT (Pro) World Equity Fund up to 0.99%
Target Date Mixed Asset Funds  
BCT (Pro) SaveEasy 2040 Fund 1.45%2
BCT (Pro) SaveEasy 2035 Fund 1.45%2
BCT (Pro) SaveEasy 2030 Fund 1.45%2
BCT (Pro) SaveEasy 2025 Fund 1.45%2
BCT (Pro) SaveEasy 2020 Fund 1.20%2
Mixed Asset Funds  
BCT (Pro) E90 Mixed Asset Fund 1.44%
BCT (Pro) E70 Mixed Asset Fund 1.44%
BCT (Pro) E50 Mixed Asset Fund 1.44%
BCT (Pro) E30 Mixed Asset Fund 1.44%
BCT (Pro) Absolute Return Fund Up to 1.32%
BCT (Pro) Core Accumulation Fund* 0.75%
BCT (Pro) Age 65 Plus Fund* 0.75%
Bond / Money Market Funds  
BCT (Pro) RMB Bond Fund 1.175%
BCT (Pro) Global Bond Fund 1.40%
BCT (Pro) Hong Kong Dollar Bond Fund 0.9995%
BCT (Pro) MPF Conservative Fund 0.88%
* DIS Funds
1 "Management fees" include trustee, administrator, investment manager and sponsor of a scheme for providing their services to the relevant funds. They are usually charged as a percentage of the net asset value of a fund. In the case of the Core Accumulation Fund and the Age 65 Plus Fund, management fees payable to the parties named above, or their delegates, can only (subject to certain exceptions in the MPFS Ordinance) be charged as a percentage of the net asset value of the DIS Fund. These management fees are also subject to a statutory daily limit equivalent to 0.75% per annum of the net asset value of the DIS Fund which applies across both the DIS Fund and its underlying funds.

Our MPF Investment Schemes

We offer two different MPF schemes: BCT (MPF) Pro Choice, a master trust scheme and BCT (MPF) Industry Choice, an industry scheme to cater to different employees in Hong Kong.

Our master trust scheme is aimed towards the general working population while our industry scheme is designed for those working in the catering and construction industries. We strive to be the provider of choice, so our MPF constituent funds available under the 2 MPF schemes are managed by seven independent global investment managers which are carefully selected based on stringent criteria and our members' interests in mind.

Name of Constituent FundInvestment Manager
Equity Funds  
BCT (Industry) Hong Kong Equity Fund FIL Investment Management (Hong Kong) Limited
BCT (Industry) Asian Equity Fund Schroder Investment Management (Hong Kong) Limited
BCT (Industry) Global Equity Fund Franklin Templeton Investments (Asia) Limited
Mixed Asset Funds  
BCT (Industry) E70 Mixed Asset Fund Invesco Hong Kong Limited
BCT (Industry) E50 Mixed Asset Fund Invesco Hong Kong Limited
BCT (Industry) E30 Mixed Asset Fund Invesco Hong Kong Limited
BCT (Industry) Absolute Return Fund Allianz Global Investors Asia Pacific Limited
BCT (Industry) Core Accumulation Fund* Invesco Hong Kong Limited
BCT (Industry) Age 65 Plus Fund* Invesco Hong Kong Limited
Bond / Money Market Funds  
BCT (Industry) RMB Bond Fund Invesco Hong Kong Limited
BCT (Industry) Global Bond Fund Franklin Templeton Investments (Asia) Limited
BCT (Industry) MPF Conservative Fund Invesco Hong Kong Limited
* DIS Funds

Management Fees

Name of Constituent FundManagement Fees1
(% per annum of net asset value)
Equity Funds  
BCT (Industry) Hong Kong Equity Fund Up to 1.535%
BCT (Industry) Asian Equity Fund 1.6%
BCT (Industry) Global Equity Fund 1.6%
Mixed Asset Funds  
BCT (Industry) E70 Mixed Asset Fund 1.53%
BCT (Industry) E50 Mixed Asset Fund 1.53%
BCT (Industry) E30 Mixed Asset Fund 1.53%
BCT (Industry) Absolute Return Fund 1.52%
BCT (Industry) Core Accumulation Fund* 0.75%
BCT (Industry) Age 65 Plus Fund* 0.75%
Bond / Money Market Funds  
BCT (Industry) RMB Bond Fund 1.175%
BCT (Industry) Global Bond Fund 1.49% - 1.5%
BCT (Industry) MPF Conservative Fund 0.88%
* DIS Funds
1 “Management fees” include trustee, administrator, investment manager and sponsor of a scheme for providing their services to the relevant funds. They are usually charged as a percentage of the net asset value of a fund. In the case of the Core Accumulation Fund and the Age 65 Plus Fund, management fees payable to the parties named above, or their delegates, can only (subject to certain exceptions in the MPFS Ordinance) be charged as a percentage of the net asset value of the DIS Fund. These management fees are also subject to a statutory daily limit equivalent to 0.75% per annum of the net asset value of the DIS Fund which applies across both the DIS Fund and its underlying funds.

Pooled ORSO Retirement Plan

Let us help you get ready for retirement you deserve. The BCT Premier Pooled ORSO Retirement Plan is a pooled investment scheme which allows investors to plan for retirement by investing in a variety of different funds based on their own personal risk tolerances. Our funds are managed by independent fund management companies which have no ties to BCT by way of ownership, so members can be assured that we only have their best interests in mind.

Name of PortfoliosInvestment Manager / Guarantor
Equity Fund  
BCT ORSO China & Hong Kong Equity Fund Invesco Hong Kong Limited
Mixed Asset Funds  
BCT ORSO Growth Fund Allianz Global Investors Asia Pacific Limited
BCT ORSO Balanced Fund Allianz Global Investors Asia Pacific Limited
BCT ORSO Stable Growth Fund Allianz Global Investors Asia Pacific Limited
BCT ORSO Capital Stable Fund Allianz Global Investors Asia Pacific Limited
Money Market Fund  
BCT ORSO HK Dollar Cash Fund Allianz Global Investors Asia Pacific Limited
Guaranteed Fund  
BCT ORSO Guaranteed Fund China Life Insurance (Overseas) Company Limited

Management Fees

Name of PortfoliosManagement Fees1
(% per annum of net asset value)
Equity Fund  
BCT ORSO China & Hong Kong Equity Fund 1.02%
Mixed Asset Funds  
BCT ORSO Growth Fund 0.97%
BCT ORSO Balanced Fund 0.97%
BCT ORSO Stable Growth Fund 0.97%
BCT ORSO Capital Stable Fund 0.97%
Money Market Fund  
BCT ORSO HK Dollar Cash Fund 0.77%
Guaranteed Fund  
BCT ORSO Guaranteed Fund* 1.00%
1 “Management fees” means the total of sponsor, trustee and administration fee, investment management fee and sub-trustee fee (if applicable).
*China Life charges an investment charge of 1% p.a. of the net asset value of the China Life Policy which shall be debited in arrears at the end of each calendar year before the declaration of the Declared Rate. In addition, if the actual investment return at the policy level exceeds the Guaranteed Rate of Return, China Life is also entitled to charge a guarantee charge on the excess part which is up to a maximum of 1% p.a. of net asset value of the China Life Policy. The Declared Rate to be declared by China Life, however, will be net of these fees and charges.