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Help you to realise big investment plans with small capital

To realize your long-term investment plan, Fund Accumulator® offers you not only a wide variety of investment fund choices with flexible contribution methods, but with a monthly investment amount as low as HK$1,000, helping you to realize your big investment plans with small capital.

Multiple investment advantages help you realise big investment plans with small capital!

Advantage 1: Monthly investment amount as low as HK$1,000

To help you achieve your investment goals with maximum flexibility, we cater for monthly contribution threshold of as low as HK$1,000.

Advantage 2: Cost saving with regular investment amount

To seize the perfect opportunity to invest is no easy task because the market is so volatile. With Standard Chartered Fund Accumulator®, you can invest in funds by making regular monthly contributions and acquire funds at different prices i.e. buying more when the unit price is low and buying fewer units when the unit price goes up. In the long run, the impact of market fluctuations and investment risks may be averaged out over the period. Hence you may possibly acquire funds at a price lower than the average market price. The example below demonstrates the “dollar-cost-averaging” benefit of regular investment plan for funds:

Contribution	Monthly investment amount (HK$) (a)	Unit price (HK$) (b)	Units (a / b)
1st	1,000	1	1,000.00
2nd	1,000	0.88	1,136.36
3rd	1,000	0.7	1,428.57
4th	1,000	0.92	1,086.96
5th	1,000	1.13	884.96
6th	1,000	1.22	819.67
Total	6,000		6,356.52
Overall average cost of unit=HK$(6,000 / 6,356.52)=HK$0.94
Average market price=HK$(1+0.88+0.7+0.92+1.13+1.22) / 6=HK$0.98

The above calculations are for illustration purposes only (other fees and charges of respective funds are not included) and are not indicative of the actual market situation.

Advantage 3: Wide range of investment funds and information

To cater for different customers’ needs and investment appetites, Standard Chartered Fund Accumulator® offers funds managed by renowned fund houses for your selection. We strive to assist you to evaluate and formulate your personalized investment portfolio.

Advantage 4: Be in control of your investment portfolio

You can adjust your monthly investment amount*, switch or redeem your units at any time. Our monthly consolidated statement offers you a complete picture of your financial status and investment portfolio at a glance.
* Minimum monthly investment amount should be HK$1,000 or US$130 per fund. Any adjustment of monthly investment amount should be in multiples of HK$100 or US$10.

Advantage 5: Flexible and convenient contribution methods

You can select either the 5th or the 20th calendar day of each month to make your contribution via one of the following methods:

Standard Chartered Credit Card#: earn Bonus Points or Cash Back^ with your monthly Hong Kong Dollar contribution and enjoy up to 8 weeks repayment flexibility
Standard Chartered savings/current account: applicable to both Hong Kong Dollar or US Dollar accounts¨
Other banks’ Hong Kong Dollar savings account

#	Only applicable to Eligible Customer who has set up and opened an Investment Fund Account and Standard Chartered Fund Accumulator® in sole name. Standard Chartered Credit Card refers to Standard Chartered VISA/MasterCard Card including Classic Card, Gold Card or Platinum Credit Card (“Standard Chartered VISA/MasterCard Card”), Standard Chartered executive Credit Card or Standard Chartered executive platinum Credit Card issued by Standard Chartered Bank (Hong Kong) Limited, excluding Standard Chartered American Express® Card, Standard Chartered Corporate Card and Standard Chartered Co-branded Cards. All supplementary cards are not applicable.
^	Cash Back is only applicable to Standard Chartered VISA/MasterCard Cardholders who have enrolled in the Standard Chartered Cash Back Program and Standard Chartered executive Credit Cardholders and StandardChartered executive platinum Credit Cardholders. Please refer to the terms and conditions of the relevant Standard Chartered Credit Card rewards scheme for details.
*	Contribution currency cannot be changed after Fund Accumulator® is set up.

Risk Disclosure Statement

Investment involves risk. The prices of securities fluctuate, sometimes dramatically. The price of the units/shares of a unit trust or mutual fund may move up or down and may become valueless. It is as likely that losses will be incurred rather than profit made as a result of buying and selling unit trusts or mutual funds. Past performance of any unit trust or mutual fund is no guide to its future performance. The profit or loss in transactions in foreign currency-denominated contracts will be affected by fluctuations in currency rates where there is a need to convert from the currency denomination of the contract to another currency. Investors should read the offering documents carefully and are advised to seek independent professional advice before making any investment decision. If you would like to have a printed copy of the fund offering documents, please contact our staff at branches. This webpage does not constitute any offer, invitation or recommendation to any person to enter into any transaction described therein or any similar transaction, nor does it constitute any prediction of likely future movements in unit prices or any representation that any such future movements will not exceed those shown in any illustration therein. All figures appearing are for illustration purposes only.