Important risk disclosures

Fidelity Retirement Master Trust ("FRMT")

  • The MPF Conservative Fund under the Fidelity Retirement Master Trust does not guarantee the repayment of capital. The purchase of a Unit in the MPF Conservative Fund is not the same as placing funds on deposit with a bank or deposit-taking company.
  • Fidelity SaveEasy Funds are not savings deposits and involve investment risks and this product may not be suitable for everyone. Investors should also consider factors other than age and review their own investment objectives.
  • You should consider your own risk tolerance level and financial circumstances before making any investment choices or invest according to the Default Investment Strategy. When, in your selection of funds or the Default Investment Strategy, you are in doubt as to whether a certain fund or the Default Investment Strategy is suitable for you (including whether it is consistent with your investment objectives), you should seek financial and/or professional advice and make investment choices most suitable for you taking into account your circumstances.
  • In the event that you do not make any investment choices, please be reminded that your contribution made and/or benefits transferred into the Master Trust will unless otherwise provided in the Key Scheme Information Document and MPF Scheme Brochure for Fidelity Retirement Master Trust be invested in accordance with the Default Investment Strategy which may not necessarily be suitable for you.
  • You should not invest based on the information on this material alone and should read the Key Scheme Information Document and MPF Scheme Brochure for Fidelity Retirement Master Trust (including potential risks involved) for further information.
  • Investment involves risks, you may suffer significant loss of your investments. Past performance is not indicative of future performance.

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Optimise your MPF by putting your assets in one place

You may have built up several MPF accounts from various employers during your working life, it can be difficult to keep track of how your funds are performing and the paperwork alone can be enough to put you off from becoming more proactive.

Take advantage of the opportunity to bring all your MPF accounts together now.

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With over five decades of global investment management experience and a track record of managing retirement assets in Hong Kong since 1989, Fidelity is here to help you seize MPF’s long-term return potentials and flexibly achieve your desired retirement life.

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Important information

Investment involves risks. Past performance is not indicative of future performance. If Investment returns are not denominated in HKD/USD, US/HK dollar-based investors are exposed to exchange rate fluctuations. In general fluctuation in the performance of emerging markets is normally higher as it tends to be more volatile than other developed markets. The value of bonds, debt instruments and other fixed income instruments will fluctuate depending on market interest rates, and credit quality of the issuer and liquidity considerations. Increase in market interest rates, decline in the credit quality of the issuer and decrease in liquidity will adversely impact on the value of these instruments. When the interest rate rises, the price of fixed income instruments will normally drop, and vice versa. Please refer to the relevant offering documents for details including the risk factors before making any investment decisions. Fidelity only gives information about its products and services. Any person considering an investment should seek independent advice on the suitability or otherwise of the particular investment. FIL Limited and its subsidiaries are commonly referred to as Fidelity or Fidelity International. Fidelity, Fidelity International, the Fidelity International logo and F symbol are trademarks of FIL Limited. This web page is published by FIL Investment Management (Hong Kong) Limited and has not been reviewed by the Securities and Futures Commission.

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