Regular Savings Plan (RSP)

There are fees and charges involved in investing in Unit Trusts and this may differ across different funds. Please refer to the relevant fund documents by searching for your choice of fund(s) in Fund Express. Alternatively, the latest promotional fees and charges (if any) can be found on our website. You may contact your Relationship Manager or leave your contact details for more information.

Investment involves risk. Unit Trusts are investment products and some may involve derivatives. The value of investments and units may go down and up, and the investor may not get back the original sum invested. Past performance is not necessarily indicative of future performance. In a worst case scenario, the value of the fund may be worth substantially less than the original amount you have invested (and in an extreme case could be worth nothing). Investors and potential investors must not solely rely on the content of this material to make investment decisions and should read carefully and understand the offering documents (including the prospectus and full text of the risk factors stated therein), available at HSBC branches, before investing.

Terms and conditions governing Unit Trust Transactions and the terms and conditions governing Investment Accounts also apply.

The Bank does not make any guarantee, representation or warranty and does not take responsibility as to the accuracy or completeness of the information in the documents. Opinions expressed herein are subject to change without notice.

This document is for information only and should not be construed as an offer to sell or the solicitation of an offer to purchase or subscribe for any investment. The mention of any investment product or class of investment products ("product") should not be construed as representing a recommendation to buy or sell that product, nor does it represent a forecast on future performance of the product. The information contained on this web site is intended for Singapore residents only and should not be construed as a distribution, an offer to sell, or a solicitation to buy any securities in any jurisdiction where such activities would be unlawful under the laws of such jurisdiction, in particular the United States of America and Canada. The specific investment objectives, personal situation and particular needs of any person have not been taken in consideration. You should therefore not rely on it as investment advice. Before you make any investment decision, you may wish to consult a financial adviser. In the event that you choose not to seek advice from a financial adviser, you should carefully consider whether the investment product is suitable for you.

1. If you have an existing UT investment account and access to HSBC Online Banking:
   1. You may conveniently place your orders 24/7 through Wealth Dashboard via HSBC Online Banking. Please note that there is a cutoff dealing period of before 3.30 p.m.
   2. Orders placed at any time on a non-business day will be processed on the next business day.
2. If you have an existing UT investment account but no access to HSBC Online Banking:
   1. Refer to the HSBC Online banking FAQ here.
3. If you do not have an existing UT investment account:
   1. Speak to your relationship manager at our branches OR
   2. Submit an online enquiry here.

You need to have the following:

• An active investment account with HSBC
• An active SGD deposits account with sufficient funds
• Undergone the Customer Knowledge Assessment (CKA)

You will not be able to execute online purchases (including switches and Regular Savings Plan applications) yourself. If you wish to invest, investment advice must be provided to you by our Financial Consultants on whether the unlisted specified investment product(s) are suitable before you can proceed with the purchase.

If you are a new investor or need a second opinion to your current portfolio, you can contact our Relationship Manager and they will support you on portfolio review and construction.

Yes, it is compulsory to open a local HSBC SGD or Multi Currency Savings bank account should you wish to open an investment account with us. The benefit of having a local SGD bank account is that you are able to update the Direct or Credit Instruction to enable us to deposit your cash redemption proceeds to your designated bank account directly.

Investing in funds may not be for everyone. For example, they may not be suitable for you if you:

• Want potentially higher returns but are not prepared for variable returns which include the risk of losing a substantial part of the money you invested.
• Do not understand how returns are calculated or are unclear about the factors and scenarios that can affect returns; do not understand a fund's investment objective, strategy or approach.
• Do not understand the risks associated with the fund. Some funds use financial derivatives to hedge risks and/or to improve performance. Investors should be aware of the risks associated with the use of financial derivatives, including the risk that the provider (or counterparty) of the financial derivatives defaults.
• Are not prepared to have your money tied up for long periods of time. As funds are exposed to market ups and downs, investors who stay invested long enough may be better able to ride out the downturns. For this reason, you should have adequate financial resources so that you won't have to liquidate your funds during a market down turn if you need the money at short notice. If you need to convert your investments to cash in the short-term to meet specific needs, some funds may not be suitable for you.
• Are not familiar with the fund manager and fund's track record.