滙豐強積金計劃合併Consolidation of HSBC Mandatory Provident Fund schemes

重要事項

‧ 滙豐強積金精選計劃、智選計劃、易選計劃及自選計劃為強制性公積金計劃。

‧ 在作出投資選擇前，您必須衡量個人可承受風險的程度及您的財政狀況。在選擇基金時，如您就某一項基金是否適合您（包括是否符合您的投資目標）而有任何疑問，請徵詢財務及╱或專業人士的意見，並因應您的個人狀況而選擇最適合您的基金。

‧ 滙豐強積金精選計劃及智選計劃內的各項保證基金只投資於由滙豐人壽保險（國際）有限公司提供以保單形式成立的核准匯集投資基金，而有關保證亦由滙豐人壽保險（國際）有限公司提供。因此，您於有關保證基金的投資（如有）將受滙豐人壽保險（國際）有限公司的信用風險所影響。有關信用風險的詳情，請參閱有關「主要推銷刊物」的第二部分—基金結構內「保證基金」下的「忠告」。

‧ 有關保證基金所提供的保證只適用於指定的條件。有關保證特點（包括分期支付權益情況下的保證特點）及保證條件的詳情，請參閱有關「主要推銷刊物」的第二部分 — 基金結構內「保證基金」下的「保證特點」。

‧ 在成員年滿65歲之日或者於其年滿60歲之日或之後提早退休時所應支付的強積金的權益和自願性供款的權益，可由成員選擇（採用信託人在不被《強積金條例》或一般規例禁止的範圍內訂定的形式，並且按照信託人在不被《強積金條例》或一般規例禁止的範圍內訂定的條款和條件）整筆支付或分期支付。詳情請參閱有關「主要推銷刊物」的第一部分－產品資料內「權益支付」下的「支付強積金的權益及自願性供款的權益」。

‧您應該參閱有關「主要推銷刊物」，而不應該只根據這文件而作出投資。

‧ 投資涉及風險。往績不能作為未來表現的指標。金融工具（尤其是股票及股份）之價值及任何來自此類金融工具之收入均可跌可升。有關詳情，包括產品特點及所涉及的風險，請參閱有關「主要推銷刊物」。

Important notes

‧ The HSBC Mandatory Provident Fund – SuperTrust, SuperTrust Plus, SimpleChoice and ValueChoice are mandatory provident fund schemes.

‧ You should consider your own risk tolerance level and financial circumstances before making any investment choices. When, in your selection of funds, you are in doubt as to whether a certain fund is suitable for you (including whether it is consistent with your investment objectives), you should seek financial and/or professional advice and choose the fund(s) most suitable for you taking into account your circumstances.

‧ The respective Guaranteed Fund under HSBC Mandatory Provident Fund – SuperTrust and SuperTrust Plus invests solely in an approved pooled investment fund in the form of an insurance policy provided by HSBC Life (International) Limited. The guarantee is also given by HSBC Life (International) Limited. Your investments in the relevant Guaranteed Fund, if any, are therefore subject to the credit risks of HSBC Life (International) Limited. Please refer to the 'Warning' section under 'Guaranteed Fund' in Part II - Fund Structure of the relevant 'Principal Brochure' for details of the credit risk.

‧ The guarantee in the relevant Guaranteed Fund only applies under certain conditions. Please refer to the ‘Guarantee features’ section under ‘Guaranteed Fund’ in Part II – Fund Structure of the relevant ‘Principal Brochure’ for full details of the guarantee features and Guarantee Conditions, including the guarantee features in the context of payment of benefits in instalments.

‧ MPF Benefits and AVC Benefits payable on a member's 65th birthday or early retirement on or after his/her reaching age 60 can be paid in one lump sum or in instalments, at the member's election (in such form and on such terms as the Trustee may, to the extent not prohibited by the 'MPF Ordinance' or General Regulation, prescribe). Please refer to the 'Payment of MPF Benefits and AVC Benefits' section under 'Payment of benefits' in Part I - Product Information of the relevant 'Principal Brochure' for full details.

‧ You should not invest based on this document alone and should read the relevant ‘Principal Brochure’.

‧Investment involves risks. Past performance is not indicative of future performance. The value of financial instruments, in particular stocks and shares, and any income from such financial instruments, may go down as well as up. For further details including the product features and risks involved, please refer to the relevant ‘Principal Brochure’.

滙豐強積金精選計劃（「精選計劃」）將與滙豐強積金智選計劃（「智選計劃」）合併；同時，滙豐強積金易選計劃（「易選計劃」）亦將與滙豐強積金自選計劃（「自選計劃」）合併。合併正待有關監管機構的正式批准，並預定於2016年7月1日（「生效日」）起生效。合併實行後，滙豐強積金集成信託計劃的數目將由四個變為兩個。精選計劃及易選計劃的計劃參與者將在合併後，分別成為智選計劃及自選計劃的參與者。

HSBC Mandatory Provident Fund – SuperTrust (the ‘SuperTrust’) will be merged into HSBC Mandatory Provident Fund – SuperTrust Plus (the ‘SuperTrust Plus’) and HSBC Mandatory Provident Fund – SimpleChoice (the ‘SimpleChoice’) will also be merged into HSBC Mandatory Provident Fund – ValueChoice (the ‘ValueChoice’). The mergers are scheduled to take effect on 1 July 2016　(‘Effective Day’), subject to relevant regulatory approval. After the mergers, the number of master trust schemes of HSBC Mandatory Provident Fund will be changed from four to two. And scheme participants of SuperTrust and SimpleChoice will become participants of SuperTrust Plus and ValueChoice respectively after the mergers.

智選計劃（14項成分基金）

保證基金 Guaranteed Fund

恒指基金Hang Seng Index Tracking Fund

強積金保守基金 MPF Conservative Fund

增長基金 Growth Fund

均衡基金Balanced Fund

SuperTrust Plus (14 constituent funds)

環球債券基金Global Bond Fund

平穩增長基金 Stable Growth Fund

亞太股票基金Asia Pacific Equity Fund

靈活管理基金Flexi-Managed Fund

北美股票基金North American Equity Fund

中港股票基金Hong Kong and Chinese Equity Fund

平穩基金Stable Fund

歐洲股票基金European Equity Fund

中國股票基金Chinese Equity Fund

精選計劃（5項成分基金）

保證基金 Guaranteed Fund

恒指基金Hang Seng Index Tracking Fund

強積金保守基金 MPF Conservative Fund

增長基金 Growth Fund

均衡基金Balanced Fund

SuperTrust (5 constituent funds)

‧ 精選計劃下的五項成分基金將被合併至智選計劃下的對應成分基金。

‧ 計劃參與者的成員身分將由精選計劃自動轉移至智選計劃。

‧ 計劃參與者所持有各項精選計劃的成分基金的總單位數量及單 位價值將轉移至智選計劃的對應成分基金。

由生效日起，

‧ The five constituent funds under the SuperTrust will be merged into the corresponding constituent funds under the SuperTrust Plus.

‧ The membership of the scheme participants will be automatically transferred from SuperTrust to SuperTrust Plus.

‧ The total number of units and the value of those units held by the scheme participants will be transferred from each SuperTrust constituent fund to the corresponding SuperTrust Plus constituent fund.

With effect from the Effective Day,

精選計劃合併至智選計劃SuperTrust merges into SuperTrust Plus

自選計劃（成分基金將由９項增加至10項）

環球債券基金Global Bond Fund

強積金保守基金 MPF Conservative Fund

ValueChoice(Number of constituent fund will be increased from 9 to 10)

自選平穩增長基金ValueChoice Stable Growth Fund

自選歐洲股票基金ValueChoice EuropeanEquity Fund

恒生H股指數基金Hang Seng H-Share Index Tracking Fund

自選均衡基金ValueChoice Balanced Fund

自選亞太股票基金ValueChoice Asia Pacific Equity Fund

自選美國股票基金ValueChoice US Equity Fund

恒指基金Hang Seng Index Tracking Fund

易選計劃（3項成分基金）

環球債券基金Global Bond Fund

強積金保守基金 MPF Conservative Fund

環球股票基金Global Equity Fund

SimpleChoice (3 constituent funds)

‧ 易選計劃下的兩項成分基金，即強積金保守基金及環球債券 基金，將被合併至自選計劃下的對應成分基金。

‧ 自選計劃下已成立並將推出一項環球股票基金。易選計劃的 環球股票基金將被合併至自選計劃下此項對應成分基金。

‧ 計劃參與者的成員身分將由易選計劃自動轉移至自選計劃。

‧ 計劃參與者所持有各項易選計劃的成分基金的總單位數量及單 位價值將轉移至自選計劃的對應成分基金。

由生效日起，

‧The two constituent funds under the SimpleChoice, namely MPF Conservative Fund and Global Bond Fund, will be merged into the corresponding constituent funds of the ValueChoice.

‧A new constituent fund, Global Equity Fund, has been established and will be launched under the ValueChoice. The Global Equity Fund under the SimpleChoice will be merged into this corresponding constituent fund of the ValueChoice.

‧ The membership of the scheme participants will be automatically transferred from SimpleChoice to ValueChoice.

‧The total number of units and the value of those units held by the scheme participants will be transferred from each SimpleChoice constituent fund to the corresponding ValueChoice constituent fund.

With effect from the Effective Day,

易選計劃合併至自選計劃SimpleChoice merges into ValueChoice

環球股票基金（一項已於自選計劃下成立及於生效日推出的成分基金）Global Equity Fund (A new constituent fund established and to be launched on the Effective Day under the ValueChoice)

合併帶來的好處Benefits after the mergers

‧ 滙豐強積金計劃的數目由四個簡化為兩個。

‧ 為精選計劃、易選計劃及自選計劃的參與成員提供更多成分基金供其選擇，以切合其風險狀況。

○ 精選計劃：由5項增加至14項

○ 易選計劃：由3項增加至10項

○ 自選計劃：由9項增加至10項（環球股票基金是一項為促成合併而成立並於生效日推出的成分基金）

‧ 達致規模經濟效益，因以更大的資產規模分攤固定成本，從而實現降低基金開支比率的長遠目標。

‧ 合併完成後，精選計劃及易選計劃的計劃參與者的所有成分基金的管理費及投資在保證基金（如有）的保證條件將不受影響。

‧ 計劃參與者不需就合併而遞交任何轉移指示。合併的所有費 用將由滙豐人壽保險（國際）有限公司及HSBC Provident Fund Trustee (Hong Kong) Limited承擔。

‧ Simplify the choices of HSBC MPF schemes from four to two.

‧ A wider variety of choices of constituent funds will be offered to meet the risk profile of the participating members of SuperTrust, SimpleChoice and ValueChoice.

○ SuperTrust: increases from 5 to 14

○ SimpleChoice: increases from 3 to 10

○ ValueChoice: increases from 9 to 10 (One new constituent fund, Global Equity Fund, has been established and will be launched on the Effective Day to enable the merger)

• Enable the economies of scale as a result of fixed costs being spread over a larger asset base, with an aim to lower the fund expense ratio in the long run.

• After the mergers, the management fees of all constituent funds and the guarantee entitlement for the scheme participants of the SuperTrust and the SimpleChoice who are investing in Guaranteed Fund, if any, will not be affected.

• No transfer instruction is required from scheme participants to effect the mergers and all the cost associated with the mergers will be borne by HSBC Life (International) Limited and HSBC Provident Fund Trustee (Hong Kong) Limited.

‧ 服務渠道短暫性停止服務：為確保順利過渡是次合併，以下的服務渠道將會短暫性地停止服務。於暫停服務期間將不能透過有關的服務渠道作出任何交易指示。

‧交易指示的截止日期：請於以下截止日期及時間或以前把交易指示提交行政管理人。

精選計劃及易選計劃的計劃參與者應留意的事項Points to note for scheme participants of SuperTrust and SimpleChoice

# 重新分配新供款及現有結餘資產調配並不適用於易選計劃。 +此類指示不可透過商務「網上理財」、個人網上理財或互動式話音回應系統處理。 ‡ 任何轉出指示須附有所有有關的（包括承轉受託人）填妥的轉移表格。

# Contribution redirection and asset switch of existing balance are not applicable to SimpleChoice. + These instructions cannot be processed via Business Internet Banking, Personal Internet Banking or IVRS. ‡ Any request to transfer-out must be accompanied by a transfer form completed by all relevant parties, including the transferee trustee.

個人網上理財—「強積金／職業退休計劃」部分Personal Internet Banking — ‘MPF/ORSO’ section

由2016年6月29日16:00:01至2016年7月3日23:59:59From 29 June 2016 16:00:01 to 3 July 2016 23:59:59

互動式話音回應系統Interactive voice response system (‘IVRS’)

由2016年6月29日16:00:01至2016年7月3日23:59:59From 29 June 2016 16:00:01 to 3 July 2016 23:59:59

服務渠道 Service channel 暫停時段 Suspension period

供款Contribution

商務「網上理財」Business Internet Banking

表格Paper form

指示Instruction

提交途徑 Submission channel

於此日期或以前收到指示（請預留郵遞時間）Received on or before (Please reserve time for posting)

2016年6月22日23:59:5922 June 2016 23:59:59

2016年6月17日17 June 2016

2016年6月29日16:00:0029 June 2016 16:00:00

2016年6月23日23 June 2016

2016年6月29日16:00:0029 June 2016 16:00:00

2016年6月23日23 June 2016

重組投資組合╱重新分配新供款#Rebalance of existing portfolio/contribution redirection#

個人網上理財或互動式話音回應系統Personal Internet Banking or IVRS

表格Paper form

現有結餘資產調配#Asset switch of existing balance#

個人網上理財Personal Internet Banking

表格Paper form

表格Paper form

表格Paper form

儲備賬戶現有結餘資產調配╱重新分配新儲備（只適用於僱主）+Asset switch of existing balance of the reserve account/reserve redirection (for employers only) +

從精選計劃及╱或易選計劃贖回強積金權益（包括轉移‡至新受託人）+ Redemption of MPF benefits from SuperTrust and/or SimpleChoice (including transfer-out‡ to a new trustee)+

2016年6月23日23 June 2016

2016年6月13日13 June 2016

• Cut-off dates for dealing instructions: Please submit the dealing instructions to the administrator on or before the cut-off dates and time stated below.

• Temporary suspension of service channels: In order to have a smooth transition during the mergers, the following service channels will be temporarily suspended, and no dealing instructions can be made through the relevant service channels throughout the period stated below.

‧ 強積金表格：於2016年7月1日合併生效後*，請使用智選計劃 及╱或自選計劃的表格。

‧ 以支票付款：於2016年7月1日合併生效後*，所有原本抬頭祈付 ○ 滙豐強積金精選計劃的支票，應改為祈付「滙豐強積金智選

計劃」或「HSBC Provident Fund Trustee (Hong Kong) Limited A/C HSBC Mandatory Provident Fund – SuperTrust Plus」;

○ 滙豐強積金易選計劃的支票，應改為祈付「滙豐強積金自選 計劃」或「HSBC Provident Fund Trustee (Hong Kong) Limited A/C HSBC Mandatory Provident Fund – ValueChoice」。

‧ 合併完成後，精選計劃及易選計劃的計劃參與者在以下項目將不受影響：

○ 成員編號

○ 僱主編號╱計劃編號及付款中心編號 ○ 透過直接付款方式支付強積金供款的指示 ○ 成員已選擇的成分基金（除易選計劃的「易選投資分配」 功能）、強積金賬戶的結餘及基金單位

‧ 當易選計劃完成合併至自選計劃後，現時易選計劃的「易選投資 分配」功能會被終止，再不會根據成員的人生階段而預設投資分 布。如欲了解更多有關的安排，請參閱已上載於滙豐強積金網頁 www.hsbc.com.hk/mpf的致計劃參與者之通告。

‧MPF forms: Customers should use the forms under SuperTrust Plus and/or ValueChoice after the mergers have taken effect on 1 July 2016*.

‧Payment by cheque: After the mergers have taken effect on 1 July 2016*, all cheque payments formerly made to

○ the SuperTrust should be made payable to ‘HSBC MPF SuperTrust Plus’ or ‘HSBC Provident Fund Trustee (Hong Kong) Limited A/C HSBC Mandatory Provident Fund – SuperTrust Plus’;

○ the SimpleChoice should be made payable to ‘HSBC MPF ValueChoice’ or ‘HSBC Provident Fund Trustee (Hong Kong) Limited A/C HSBC Mandatory Provident Fund – ValueChoice’.

‧The following arrangements will not be affected for the scheme participants of the SuperTrust and the SimpleChoice after the mergers:

○ Membership number ○ Employer ID/Scheme ID and Pay Centre ID ○ Direct debit instruction for making MPF contributions ○ Member’s elected fund choices (except ‘Simple Choice – Asset Allocation’ feature offered under SimpleChoice) , account balance and fund units of the MPF account

‧After the completion of the merger of SimpleChoice with ValueChoice, the existing ‘SimpleChoice – Asset Allocation’ feature of the SimpleChoice will be discontinued. There will be no pre-determined asset allocation according to members’ life stages. For further details of this arrangement, please refer to the notice to the scheme participants on the merger which is available at HSBC MPF website www.hsbc.com.hk/mpf.

* Subject to relevant regulatory approval* 待有關監管機構的正式批准

滙豐強積金透過一系列的通訊知會客戶有關是次的合併，好讓成員做好準備，通訊資料包括：

‧ 2016年3月一份有關合併的通知書已發送給精選計劃及易選計劃的計劃參與者，並上載到滙豐強積金網頁。

‧ 2016年3月31日 有關合併的公告已分別於本港一份中文報章及一份英文報章上刊登。

‧ 2016年5月舉辦講座介紹合併的相關情況。

‧ 2016年7月1日 智選計劃及自選計劃的主要推銷刊物將因應今次的合併而更新版本。

‧ 2016年7月至8月合併完成後，我們將向精選計劃及易選計劃的參與僱主及成員發送轉移及確認通知書，列明由精選計劃轉出至智選計劃╱由易選計劃轉出至自選計劃的累算權益總額及所持有每項成分基金的總單位數量，及在智選計劃╱自選計劃下所持的對應成分基金的累算權益總額及單位數量。

HSBC MPF informs our customers to get prepared for the mergers through a series of communications, including‧ March 2016

A notice about the mergers has been sent to the scheme participants of SuperTrust and SimpleChoice and uploaded to HSBC MPF website.

‧ 31 March 2016A notice about the mergers has been published in one Chinese and one English local newspaper.

‧May 2016Seminars on the mergers will be held.

‧ 1 July 2016Principal Brochures of SuperTrust Plus and ValueChoice will be revised to reflect the changes in relation to the mergers.

‧ July to August 2016Transfer and confirmation statements will be issued to participating employers and members of SuperTrust and SimpleChoice after the mergers, which will show the amounts of accrued benefits and number of units of each constituent fund transferred out from SuperTrust to SuperTrust Plus / from SimpleChoice to ValueChoice, and the amounts of accrued benefits and number of units held under the corresponding constituent funds of SuperTrust Plus / ValueChoice.

滙豐強積金將怎樣通知客戶有關是次的合併？How does HSBC MPF inform customers about the mergers?

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有關的強積金服務，包括但不限於網上服務、自動櫃員機、綜合銀行結單、分行網絡及部分熱線服務乃透過香港上海滙豐銀行有限公司提供。

The MPF associated services, including but not limited to the internet service, ATM, consolidated bank statement, branch network and part of the hotline service, are provided through The Hongkong and Shanghai Banking Corporation Limited.

由滙豐人壽保險（國際）有限公司刊發Issued by HSBC Life (International) Limited

如欲了解合併的詳情，請參閱已上載於滙豐強積金網頁www.hsbc.com.hk/mpf的「致滙豐強積金精選計劃╱易選計劃的參與僱主、僱員成員、自僱成員及保留成員之通告」。如有任何查詢，或需索取更多有關合併的資料，請聯絡：

For the details of the mergers, please read the ‘Notice to the Participating Employers, Employee Members, Self-employed Members and Deferred Members of HSBC Mandatory Provident Fund – SuperTrust/SimpleChoice’ which are available at HSBC MPF website www.hsbc.com.hk/mpf. Should you have any enquiries or need any further information about the mergers, please contact:

僱員及自僱人士：滙豐強積金成員熱線3128 0128Members and self-employed persons: HSBC MPF Member Hotline 3128 0128

僱主：致電您的客戶服務主任或滙豐強積金僱主熱線2583 8033Employers: Talk to your account service manager or HSBC MPF Employer Hotline 2583 8033

滙豐強積金網頁：www.hsbc.com.hk/mpfHSBC MPF website: www.hsbc.com.hk/mpf

請於2016年6月13日或之前，透過承轉受託人將您轉出精選計劃╱易選計劃的有效申請提交予滙豐人壽保險（國際）有限公司。此類的轉出不受限於任何提取條款、限制、收費或罰款。

Please submit your valid request of transfer out of the SuperTrust/SimpleChoice through the transferee trustee and it must reach HSBC Life (International) Limited by 13 June 2016. No withdrawal conditions, limitation, charge or penalty will apply to such transfer out.

如您不希望跟隨合併轉入智選計劃╱自選計劃，可怎樣通知我們?How to inform us if you do not wish to be transferred to the SuperTrust Plus/ ValueChoice under the mergers?

滙豐強積金將怎樣通知客戶有關是次的合併？How does HSBC MPF inform customers about the mergers?