ORSO

Important Notes

  • "Relevant Schemes", for the purposes of this website, means AIA Retirement Fund Scheme, and AIA(B) Retirement Fund Scheme, which are pooled schemes under the Occupational Retirement Schemes Ordinance.
  • The AIA Capital Guaranteed Fund in the AIA Retirement Fund Scheme invests solely in an insurance policy issued by the AIA Company Limited (the “Insurer"). Your investments in the AIA Capital Guaranteed Fund, if any, are therefore subject to the credit risks of AIA as both insurer and guarantor. Your entitlement to the capital guarantee under the AIA Capital Guaranteed Fund for each calendar year will be subject to your continued investment in the AIA Capital Guaranteed Fund until the end of each calendar year (please refer to the section entitled "Switching Between Funds" of the Principal Brochure of the AIA Retirement Fund Scheme for details of how a year is to be defined).
  • The AIA Guaranteed Fund in the AIA Retirement Fund Scheme is a capital guaranteed fund. The guarantor is . Your investments in the AIA Guaranteed Fund, if any, are subject to the credit risk of the guarantor. Your entitlement to the capital guarantee under the AIA Guaranteed Fund for each year will be subject to your continued investment in the AIA Guaranteed Fund until the end of each year (please refer to the section entitled "Switching Between Funds" of the Principal Brochure of the AIA Retirement Fund Scheme for details of how a year is to be defined).
  • The AIA Interest Guaranteed Fund in the Scheme invests solely in an insurance policy (”China Life Policy”) issued by China Life Insurance (Overseas) Company Limited ("China Life"). Your investments in the AIA Interest Guaranteed Fund, if any, are therefore subject to the credit risks of China Life as both insurer and guarantor. You will receive, at the Fund level: (a) a capital guarantee; (b) a Guaranteed Net Investment Return (please refer to the section entitled “General Structure” of the Principal Brochure of the AIA Retirement Fund Scheme for details of how Guaranteed Net Investment Return is to be defined) of 1.5% p.a. for the first 36 calendar months starting from 31 January 2018; and (c) (if applicable) any additional investment return by way of bonus units. Your entitlement to the additional investment return under (c), if any, will be subject to the following conditions: you have held units in the Fund and remain a member or external retirement scheme investor of the Scheme as at the last date of the relevant calendar year (i.e. 31 December of that calendar year) and at the time when the distribution of such bonus units is actually made. Please refer to the section entitled “AIA Interest Guaranteed Fund” of the Principal Brochure for details of the above.
  • You should consider your own risk tolerance level and financial circumstances before making any fund choices. When, in your selection of fund choices, you are in doubt as to whether a certain fund choice 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 choice(s) most suitable for you taking into account your circumstances.
  • In the event that you do not make any fund choices, your contributions made and/or benefits transferred into the Relevant Schemes in respect of you will be invested in the default fund choice as agreed between your employer and the Trustee (and set out in the appropriate enrolment form(s)).
  • The AIA Capital Stable Fund and the AIA Allianz Capital Stable Fund do not guarantee the repayment of capital under all circumstances.
  • You should not base your investment choices on this website alone and should refer to the Principal Brochure of the Relevant Schemes.
  • Investment involves risks, you may suffer significant loss of your investments and not all investment choices available under the Relevant Schemes would be suitable for everyone. Investment performance and returns may go down as well as up. Past performance is not indicative of future performance.