HSBC Pooled Provident Plan

香港汇丰
ORSO
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HSBC Pooled Provident Plan

More diversity, regardless of your company size

通脹或讓退休計劃舉步維艱。

我們的滙豐集成公積金計劃專為僱主而設，為其僱員提供退休福利和多元化投資選擇。無論是中型或小型企業，此計劃均可靈活地切合每間公司的需要。

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Key benefits

Get the support you deserve

Our ORSO experts and Relationship Managers are on standby to support your company with its ORSO scheme

Make the most of our expertise

Leverage our extensive fund management experience to help you get more out of your money for retirement

Choose from a wider range

Access and choose from a greater variety of diversified investment options

Fund information

Fund snapshot

This table summarises the 5 investment portfolios available under the HSBC Pooled Provident Plan. The risk rating for each investment portfolio ranges from 1 (the lowest) to 5 (the highest).
Investment portfolio	Investment objective	Denomination	Risk rating
HSBC Guaranteed Fund	To provide long-term total return by investing either directly or indirectly through collective investment schemes in a diversified portfolio of equity and fixed income securities. This investment portfolio is closed to new subscriptions and has ceased to be a designated fund with effect from 1 February 2010. For more details including its guarantee conditions, please refer to the HSBC Guaranteed Fund offering document.	HKD	N/A
HSBC Managed Balanced Fund – Class Acc	To achieve long-term capital growth by investing in a diversified portfolio with a mixture of global equities, global bonds and fixed income instruments, through direct investment and/or investing in other collective investment schemes.	HKD	3
HSBC Global Money Fund – Class L	To preserve capital and provide daily liquidity together with an investment return that is comparable to normal money market rate in the base currency of the investment portfolio. However, preservation of capital is not guaranteed.	HKD	1
Schroder Balanced Investment Fund – HKD A Acc	To achieve capital growth in Hong Kong dollars through investments in quoted equities, fixed income securities, other asset classes, money market instruments and cash in any part of the world directly or through investments in funds (including qualified exchange traded funds) investing in the foregoing investments.	HKD	3
Allianz Oriental Income – Class AT Acc	To achieve capital growth in the long term by investing the fund assets in equity and fixed income markets of the Asia Pacific region.	USD	4

This table summarises the 5 investment portfolios available under the HSBC Pooled Provident Plan. The risk rating for each investment portfolio ranges from 1 (the lowest) to 5 (the highest).
Investment portfolio	HSBC Guaranteed Fund
Investment objective	To provide long-term total return by investing either directly or indirectly through collective investment schemes in a diversified portfolio of equity and fixed income securities. This investment portfolio is closed to new subscriptions and has ceased to be a designated fund with effect from 1 February 2010. For more details including its guarantee conditions, please refer to the HSBC Guaranteed Fund offering document.
Denomination	HKD
Risk rating	N/A

Investment portfolio	HSBC Managed Balanced Fund – Class Acc
Investment objective	To achieve long-term capital growth by investing in a diversified portfolio with a mixture of global equities, global bonds and fixed income instruments, through direct investment and/or investing in other collective investment schemes.
Denomination	HKD
Risk rating	3

Investment portfolio	HSBC Global Money Fund – Class L
Investment objective	To preserve capital and provide daily liquidity together with an investment return that is comparable to normal money market rate in the base currency of the investment portfolio. However, preservation of capital is not guaranteed.
Denomination	HKD
Risk rating	1

Investment portfolio	Schroder Balanced Investment Fund – HKD A Acc
Investment objective	To achieve capital growth in Hong Kong dollars through investments in quoted equities, fixed income securities, other asset classes, money market instruments and cash in any part of the world directly or through investments in funds (including qualified exchange traded funds) investing in the foregoing investments.
Denomination	HKD
Risk rating	3

Investment portfolio	Allianz Oriental Income – Class AT Acc
Investment objective	To achieve capital growth in the long term by investing the fund assets in equity and fixed income markets of the Asia Pacific region.
Denomination	USD
Risk rating	4

The risk rating is defined using a 5-point risk scale with risk rating “1” representing the lowest risk and risk rating “5” representing the highest risk. The risk rating is derived based on a combination of quantitative and qualitative risk factors including price volatility, asset allocation and liquidity. It is only reflecting the risk level of the Designated Fund's investment return. Please note that risk rating has not been provided for the HSBC Guaranteed Fund. This is because the actual return to an individual investor is dependent on the actual investment return of the underlying assets of the Fund, and whether the guarantee conditions as prescribed in the Trust Deed of the scheme, is fulfilled, which is based on the individual investor's own circumstance. As such, the actual risk to which an individual investor is exposed can be very different for different individuals. Therefore, it is not possible to provide a risk rating that reflects the actual risk of this fund to an individual investor.

The following provides a general description of the risk rating categorisation.

1 = Low risk: minimal chance of losing a significant portion of your capital over the term of the investment (although this is not guaranteed). Expected to demonstrate minimal price fluctuations over short periods of time.

2 = Low to medium risk: low chance of losing a significant portion of your capital over the term of the investment, although this is not guaranteed. Expected to demonstrate a moderately low level of price fluctuations over short periods of time.

3 = Medium risk: moderate chance of losing a significant portion of your capital over the term of the investment, although this is not guaranteed. Expected to demonstrate a moderate level of price fluctuations over short periods of time.

4 = Medium to high risk: moderately high chance of losing a significant portion of your capital over the term of the investment. Expected to demonstrate a moderately high level of price fluctuations over short periods of time.

5 = High risk: high chance of losing a significant portion of your capital over the term of the investment. Expected to demonstrate a high level of price fluctuations over short periods of time.

The above risk ratings are based on data up to 19 March 2022.

The risk ratings are provided by HSBC Group Management Services Limited.

The above risk ratings are provided for reference only, normally reviewed at least annually and may be subject to change from time to time without any notice. The risk ratings or any changes will be made available in the investment performance report. The information on risk ratings provided above should not be regarded as investment advice. You should not solely rely on the above risk ratings when making any investment choices.

The Hongkong and Shanghai Banking Corporation Limited, HSBC Group Management Services Limited and any member of the HSBC Group are not responsible for any loss occasioned as a result of relying on such information as investment advice.

If you are in doubt about the meaning or effect of the contents of the above information, you should seek independent professional advice.

Fund performance (cumulative)

This table shows the cumulative performance (%) for each investment portfolio under the HSBC Pooled Provident Plan as at [29 March 2022].
Investment portfolio	Currency	3 months	Year to date	1 year	3 years	5 years	Since inception	Date of inception
HSBC Guaranteed Fund	HKD	-6.13	-6.13	-7.57	7.62	14.99	171.20	4 March 1992
HSBC Managed Balanced Fund – Class Acc	HKD	-5.37	-5.37	-5.86	12.47	24.76	269.80	4 March 1992
HSBC Global Money Fund – Class L	HKD	0.01	0.01	0.00	1.37	-1.80	-3.33	1 June 2011
Schroder Balanced Investment Fund – HKD A Acc	HKD	-6.45	-6.45	-5.30	21.67	34.70	320.96	16 August 1994*
Allianz Oriental Income – Class AT Acc	USD	-12.26	-12.26	-8.27	68.66	93.96	298.18	2 August 2005*

This table shows the cumulative performance (%) for each investment portfolio under the HSBC Pooled Provident Plan as at [29 March 2022].
Investment portfolio	HSBC Guaranteed Fund
Currency	HKD
3 months	-6.13
Year to date	-6.13
1 year	-7.57
3 years	7.62
5 years	14.99
Since inception	171.20
Date of inception	4 March 1992

Investment portfolio	HSBC Managed Balanced Fund – Class Acc
Currency	HKD
3 months	-5.37
Year to date	-5.37
1 year	-5.86
3 years	12.47
5 years	24.76
Since inception	269.80
Date of inception	4 March 1992

Investment portfolio	HSBC Global Money Fund – Class L
Currency	HKD
3 months	0.01
Year to date	0.01
1 year	0.00
3 years	1.37
5 years	-1.80
Since inception	-3.33
Date of inception	1 June 2011

Investment portfolio	Schroder Balanced Investment Fund – HKD A Acc
Currency	HKD
3 months	-6.45
Year to date	-6.45
1 year	-5.30
3 years	21.67
5 years	34.70
Since inception	320.96
Date of inception	16 August 1994*

Investment portfolio	Allianz Oriental Income – Class AT Acc
Currency	USD
3 months	-12.26
Year to date	-12.26
1 year	-8.27
3 years	68.66
5 years	93.96
Since inception	298.18
Date of inception	2 August 2005*

* Please refer to the respective remarks for the launch dates of the investment portfolio in the investment performance report.

Source: HSBC Institutional Trust Services (Asia) Limited

Cumulative performance is calculated based on the unit price of the last valuation day at the end of the month.

Cumulative performance is calculated in the fund currency on the basis of NAV-to-NAV (net asset value).

The information provided on this web page is for reference only. It may be subject to adjustment or correction from time to time without any notice. The relevant information after adjustment or correction may vary.

Fund price

This table displays the unit price for each investment portfolio under the HSBC Pooled Provident Plan as at 31 May 2022.
Investment portfolio	Currency	Date	Bid price	Offer price
HSBC Guaranteed Fund	HKD	31 May 2022	26.0800	26.0800
HSBC Managed Balanced Fund – Class Acc	HKD	31 May 2022	17.6000	17.6000
HSBC Global Money Fund – Class L	HKD	31 May 2022	19.3746	19.3746
Schroder Balanced Investment Fund – HKD A Acc	HKD	31 May 2022	65.5400	65.5400
Allianz Oriental Income – Class AT Acc	HKD*	31 May 2022	1,565.3471	1,582.2362

This table displays the unit price for each investment portfolio under the HSBC Pooled Provident Plan as at 31 May 2022.
Investment portfolio	HSBC Guaranteed Fund
Currency	HKD
Date	31 May 2022
Bid price	26.0800
Offer price	26.0800

Investment portfolio	HSBC Managed Balanced Fund – Class Acc
Currency	HKD
Date	31 May 2022
Bid price	17.6000
Offer price	17.6000

Investment portfolio	HSBC Global Money Fund – Class L
Currency	HKD
Date	31 May 2022
Bid price	19.3746
Offer price	19.3746

Investment portfolio	Schroder Balanced Investment Fund – HKD A Acc
Currency	HKD
Date	31 May 2022
Bid price	65.5400
Offer price	65.5400

Investment portfolio	Allianz Oriental Income – Class AT Acc
Currency	HKD*
Date	31 May 2022
Bid price	1,565.3471
Offer price	1,582.2362

* The price of the underlying fund for this investment portfolio is valuated in USD.

Source: HSBC Institutional Trust Services (Asia) Limited

Important documents

Useful information

Forms

Employers can update us about any changes they need to make by completing the relevant form.

Employees can complete the following forms as needed to apply for the HSBC Pooled Provident Plan or update us about any changes they need to make.

Important documents

Employers can complete the following forms as needed to update us about any changes they need to make.

Employees can complete the following forms as needed to apply for the HSBC Pooled Provident Plan or update us about any changes they need to make.

Useful information

Need help?

Meet with us

Speak with our ORSO specialists who will be able to address your enquiries directly.

Book an appointment 开启新窗口

Call us

You can call our ORSO customers hotline on (852) 2288 6655. Lines are open between 8:30am and 7:30pm, Mondays to Fridays; between 8:30am and 1:00pm on Saturdays, except on public holidays.

Write to us
For general enquiries, please contact us by filling in an online form, or sending email to us at pensioncs@hsbc.com.hk. You can also mail us at this address:

ORSO:

The Hongkong and Shanghai Banking Corporation Limited

PO Box 74203 Kowloon Central Post Office

You can also send us a secure message via online banking. Simply log on to HSBC Online Banking, go to 'Email message' and fill in the online form.

Call us

HSBC ORSO services hotline: (852) 2288 6655

Write to us

You can contact us by fax +852 2269 3085, email us at customer.care.mpf@hsbc.com.hk or write to our mailing address below:

The Hongkong and Shanghai Banking Corporation Limited

PO Box 74203, Kowloon Central Post Office

Getting back to you

We'll acknowledge receipt of your concerns by the next business day and aim to resolve most issues within 5 business days. Occasionally, we may need more time but we'll keep you informed.

Handling your complaint

Your complaint will be handled with complete confidentiality by our complaint handling teams with the appropriate experience and authority, and who have not been directly involved in the subject matter.

If a complaint is raised by a third party, we will get back to you to protect your privacy.

We will offer appropriate redress if your complaint is upheld, but this will not necessarily involve financial compensation.

If you’re not satisfied

You can ask for your case to be reviewed by management at a higher level, if you are dissatisfied with our decision.

For monetary disputes, you may also refer your case to the Financial Dispute Resolution Center (FDRC), Room 408-409, 4/F, West Wing, Justice Place, 11 Ice House Street, Central, Hong Kong.

Find out more

The Defined Contribution Scheme is a pension pot. It's based on how much you and your employer contribute to it.

To learn more about ORSO and the HSBC Pooled Provident Plan, please visit our frequently asked questions.

汇丰集成公积金计划

More diversity, regardless of your company size

Key benefits

Get the support you deserve

Make the most of our expertise

Choose from a wider range

Fund information

Fund snapshot

Remarks:

Fund performance (cumulative)

Remarks

Fund price

Important documents

Useful information

Forms

Forms for employers

Forms for employees

Important documents

Useful information

Need help?

Meet with us

Call us

More ways to contact us

ORSO complaint handling

Find out more

What is Defined Contribution Scheme?

How do I manage my HSBC Pooled Provident Plan employer account?

How do I manage my HSBC Pooled Provident Plan member account?

Where can I find more information about ORSO and the HSBC Pooled Provident Plan?

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