Monthly Savings Plan

Start With Regular Savings Plan To Make Your Dreams Come True
 

A wide array of Monthly Savings Plans to fulfill your needs:    

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    Regular Contributions A Wide Array of Choices Dollar Cost Averaging Hassle-free
    Management


    Amass wealth over time to enhance your financial strength

    • Leveraging on the Dollar Cost Averaging for investment efficiency.
    • Through Internet Banking, you can set up, suspend (except Club Deposit) or update your plan anytime and anywhere for free^.


    ^ Should customers withdraw from their Monthly Funds Savings Plan within 12 months, Bank of China (Hong Kong) Limited reserves the right to charge a handling fee (equivalent to 2% of the total investment amount).

     

    Risk Disclosure

    • Foreign currencies / RMB investments are subject to exchange rate fluctuations which may provide both opportunities and risks. The fluctuation in the exchange rate of foreign currencies / RMB may result in losses in the event that the customer converts the foreign currencies / RMB into HKD or other foreign currencies.
    • RMB is currently not fully freely convertible. Individual customers can be offered CNH rate to conduct conversion of RMB through bank accounts and may occasionally not be able to do so fully or immediately, for which it is subject to the RMB position of the banks and their commercial decisions at that moment. Customers should consider and understand the possible impact on their liquidity of RMB funds in advance.
    • Investments in Investment Funds involve risks. Certain mutual funds and unit trusts (“Investment Funds”) are structured products involving derivatives. The price movement of Investment Funds may be volatile. It may go up as well as down, and may even become valueless. Therefore, customers may not receive any return from the investment in Investment Funds, or may sustain losses in the investment. Customers may not be able to liquidate their investment immediately under certain market conditions. Before making any investment decisions, customers should seek independent financial advice.
    • The prices of securities fluctuate, sometimes dramatically. The price of a security 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 securities.
    • The above risk disclosure cannot disclose all the risks involved. Before entering into any transaction or investment, customers should also carefully consider whether the trading or the investment is suitable for customers having regard to their own financial situations, investment objectives and experiences, risk acceptance and ability to understand the nature and risks of the relevant product. If customers are in doubt or do not understand any of the above risk disclosures or the nature and risks involved in any transaction or investment, customers should seek independent professional advice.
    • The investment decision is by the customers but customers should not invest in any investment product unless the intermediary who sells such investment product to customers has explained to the customers that such product is suitable for customers having regard to the customers financial situations, investment experiences and investment objectives. Investments involve risks (include investment in RMB), customers should read carefully the relevant offering documents and risk disclosures of the relevant products for details.
    • The information contained in this website is provided for reference only and does not constitute any offer, solicitation, recommendation, comment or any guarantee to the purchase or sale of any investment product or service. Customers should seek advice from an independent financial adviser before making any investment, financial decision or purchasing any product.

     

  • Planning is the key to achieving your financial goals. We offer various types of Monthly Savings Plans to suit your investment appetites, helping you realize your goals with ease.

    Plan

    Monthly Deposit
    Savings Plan
    - Club Deposit


    Monthly Stocks
    Savings Plan


    Monthly Funds
    Savings Plan
    Basic Features
    Minimum Monthly Contribution HKD / RMB : 500
    Other currencies : USD, AUD, NZD, EUR, CAD,
    GBP : 100 (original currency)
    HKD5001
    HKD5002
    (or equivalent in foreign currencies)
    Contribution Period 1-5 years No limitation No limitation3
    Contribution Frequency Every 1, 2, 3 or 6 month(s) Monthly Monthly
    Advantages
    • Choice of multiple currencies, including HKD, RMB and major currencies listed above
    • Fixed Return, annual interest rate is fixed at the time of deposit placement
    • Investment in your favourite stocks with a relatively lower amount of capital
    • Leveraging on the Dollar Cost Averaging for investment efficiency
    • Diversified choices of Stocks
    • Investment in your favourite funds with a relatively lower amount of capital
    • Leveraging on the Dollar Cost Averaging for investment efficiency
    • Diversified choices of Funds (including Equities, Bonds and Mixed Funds, etc.)


    Remarks:

    1. The minimum monthly contribution for Monthly Stocks Savings Plan includes brokerage fee, stamp duty, transaction levy and transaction charge.
    2. The minimum monthly contribution for Monthly Funds Savings Plan includes subscription fee. The charge will be calculated on the basis of a certain percentage of the monthly investment amount. Please refer to the relevant fact sheets, Fund Explanatory Memorandum/Prospectus for details. Any latest announcement from the fund house shall be conclusive.
    3. Should customers withdraw the Monthly Funds Savings Plan within 12 months, Bank of China (Hong Kong) Limited reserves the right to charge a handling fee (equivalent to 2% of the total investment amount).

    General Terms and Conditions:

    • The above products are subject to the relevant terms and conditions. For details, please contact the staff of Bank of China (Hong Kong) Limited (the "bank".)
    • The Bank reserves the right to amend, suspend and terminate the above products, and to amend the relevant terms and conditions at its sole discretion without prior notice to customers.


    Risk Disclosure

    • Foreign currencies / RMB investment are subject to exchange rate fluctuations which may provide both opportunities and risks. The fluctuation in the exchange rate of foreign currencies / RMB may result in losses in the event that the customers convert the foreign currencies / RMB into Hong Kong dollar or other foreign currencies.
    • RMB is currently not fully freely convertible. Individual customers can be offered CNH rate to conduct conversion of RMB through bank accounts and may occasionally not be able to do so fully or immediately, for which it is subject to the RMB position of the banks and their commercial decisions at that moment. Customers should consider and understand the possible impact on their liquidity of RMB funds in advance.
    • Investments in Investment Funds involve risks. Certain mutual funds and unit trusts ("Investment Funds") are structured products involving derivatives. The price movement of Investment Funds may be volatile. It may go up as well as down, and may even become valueless. Therefore, customers may not receive any return from the investment in Investment Funds, or may sustain losses in the investment. Customers may not be able to liquidate their investment immediately under certain market conditions. Before making any investment decisions, customers should seek independent financial advice.
    • The prices of securities fluctuate, sometimes dramatically. The price of a security 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 securities.
    • The above risk disclosure cannot disclose all the risks involved. Before entering into any transaction or investment, customers should also carefully consider whether the trading or the investment is suitable for customers having regard to their own financial situations, investment objectives and experiences, risk acceptance and ability to understand the nature and risks of the relevant product. If customers are in doubt or do not understand any of the above risk disclosures or the nature and risks involved in any transaction or investment, customers should seek independent professional advice.
    • The investment decision is by the customers but customers should not invest in any investment product unless the intermediary who sells such investment product to customers has explained to the customers that such product is suitable for customers having regard to the customers financial situations, investment experiences and investment objectives. Investments involve risks (include investment in RMB), customers should read carefully the relevant offering documents and risk disclosures of the relevant products for details.
    • The information contained in this website is provided for reference only and does not constitute any offer, solicitation, recommendation, comment or any guarantee to the purchase or sale of any investment products or services. You should seek advice from an independent financial adviser before making any investment, financial decision or purchasing any product.

     

  • With the Monthly Savings Plan Calculator, you can calculate the Expected Balance, Expected No. of Contribution Month and Expected Monthly Contribution for different Plans at ease  
         
    Expected Balance Expected No. of Contribution Month Expected Monthly Contribution

    Risk Disclosure

    • Foreign currencies / RMB products are subject to exchange rate fluctuations which may provide both opportunities and risks. The fluctuation in the exchange rate of foreign currencies / RMB may result in losses in the event that the customer converts the foreign currencies / RMB fund into Hong Kong dollar or other foreign currencies.
    • RMB is currently not fully freely convertible. Individual customers can be offered CNH rate to conduct conversion of RMB through bank accounts and may occasionally not be able to do so fully or immediately, for which it is subject to the RMB position of the banks and their commercial decisions at that moment. Customers should consider and understand the possible impact on their liquidity of RMB funds in advance.
    • Certain mutual funds and unit trusts ("Investment Funds")are structured products involving derivatives. Investments in Investment Funds involve risks. The price movement of Investment Funds may be volatile. The price of Investment Funds may go up as well as down, and may even become valueless. Therefore, you may not receive any return from your investment in Investment Funds, or may sustain losses in your investment. You may not be able to liquidate your investment immediately under certain market conditions. Before making any investment decisions, you should seek independent financial advice.
    • The prices of securities fluctuate, sometimes dramatically. The price of a security 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 securities.
    • The above risk disclosure cannot disclose all the risks involved. Before entering into any transaction or investment, you should also carefully consider whether the trading or the investment is suitable for you having regard to your own financial situation, investment objectives and experiences, risk acceptance and ability to understand the nature and risks of the relevant product. If you are in doubt or do not understand any of the above risk disclosures or the nature and risks involved in any transaction or investment, you should seek independent professional advice.
    • The investment decision is yours but you should not invest in any investment product unless the intermediary who sells such investment product to you has explained to you that such product is suitable for you having regard to your financial situation, investment experience and investment objectives. Investments involve risks (include investment in RMB), you should read carefully the relevant offering documents and risk disclosures of the relevant product for details.
    • The information contained in this website is provided for reference only and does not constitute any offer, solicitation, recommendation, comment or any guarantee to the purchase or sale of any investment products or services. You should seek advice from an independent financial adviser before making any investment, financial decision or purchasing any product.

     

  • Internet Banking Customers

    • You can manage your monthly savings plan via Internet Banking anytime, anywhere! Login

    Non-Internet Banking Customers

    • You can visit any of the branches of BOCHK to set up your Monthly Savings Plan. Act now and start your plan!

    For enquiries, please call our Personal Customer Hotline at +852 3988 2388 or visit any of the branches of BOCHK.

    Risk Disclosure

    • Foreign currencies / RMB investment are subject to exchange rate fluctuations which may provide both opportunities and risks. The fluctuation in the exchange rate of foreign currencies / RMB may result in losses in the event that the customers convert the foreign currencies / RMB into Hong Kong dollar or other foreign currencies.
    • RMB is currently not fully freely convertible. Individual customers can be offered CNH rate to conduct conversion of RMB through bank accounts and may occasionally not be able to do so fully or immediately, for which it is subject to the RMB position of the banks and their commercial decisions at that moment. Customers should consider and understand the possible impact on their liquidity of RMB funds in advance.
    • Investments in Investment Funds involve risks. Certain mutual funds and unit trusts ("Investment Funds") are structured products involving derivatives. The price movement of Investment Funds may be volatile. It may go up as well as down, and may even become valueless. Therefore, customers may not receive any return from the investment in Investment Funds, or may sustain losses in the investment. Customers may not be able to liquidate their investment immediately under certain market conditions. Before making any investment decisions, customers should seek independent financial advice.
    • The prices of securities fluctuate, sometimes dramatically. The price of a security 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 securities.
    • The above risk disclosure cannot disclose all the risks involved. Before entering into any transaction or investment, customers should also carefully consider whether the trading or the investment is suitable for customers having regard to their own financial situations, investment objectives and experiences, risk acceptance and ability to understand the nature and risks of the relevant product. If customers are in doubt or do not understand any of the above risk disclosures or the nature and risks involved in any transaction or investment, customers should seek independent professional advice.
    • The investment decision is by the customers but customers should not invest in any investment product unless the intermediary who sells such investment product to customers has explained to the customers that such product is suitable for customers having regard to the customers financial situations, investment experiences and investment objectives. Investments involve risks (include investment in RMB), customers should read carefully the relevant offering documents and risk disclosures of the relevant products for details.
    • The information contained in this website is provided for reference only and does not constitute any offer, solicitation, recommendation, comment or any guarantee to the purchase or sale of any investment products or services. You should seek advice from an independent financial adviser before making any investment, financial decision or purchasing any product.

     

  • Apart from Monthly Savings Plans, we also provide you with the following information to facilitate your financial planning and achieve your various goals in life.

    Home Mortgage Travel Plans Opportunity Ahead Further Education



    For enquiries, please call our Personal Customer Hotline at +852 3988 2388 or visit any of the branches of BOCHK.

    Risk Disclosure

    • Investments in Investment Funds involve risks. Certain mutual funds and unit trusts (investment Funds are structured products involving derivatives. The price movement of Investment Funds may be volatile. It may go up as well as down, and may even become valueless. Therefore, customers may not receive any return from the investment in Investment Funds, or may sustain losses in the investment. Customers may not be able to liquidate their investment immediately under certain market conditions. Before making any investment decisions, customers should seek independent financial advice.
    • The prices of securities fluctuate, sometimes dramatically. The price of a security 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 securities.
    • The above risk disclosure cannot disclose all the risks involved. Before entering into any transaction or investment, customers should also carefully consider whether the trading or the investment is suitable for customers having regard to their own financial situations, investment objectives and experiences, risk acceptance and ability to understand the nature and risks of the relevant product. If customers are in doubt or do not understand any of the above risk disclosures or the nature and risks involved in any transaction or investment, customers should seek independent professional advice.
    • The investment decision is by the customers but customers should not invest in any investment product unless the intermediary who sells such investment product to customers has explained to the customers that such product is suitable for customers having regard to the customers financial situations, investment experiences and investment objectives. Investments involve risks (include investment in RMB), customers should read carefully the relevant offering documents and risk disclosures of the relevant products for details.
    • The information contained in this website is provided for reference only and does not constitute any offer, solicitation, recommendation, comment or any guarantee to the purchase or sale of any investment product or service. Customers should seek advice from an independent financial adviser before making any investment, financial decision or purchasing any product.