According to your own preference, you can invest in selected stocks provided by BOCHK. The minimum monthly contribution is as low as HK$1,000 (A maximum of two stocks can be invested with a monthly contribution amount of HK$1,000. For each additional stock, any additional contribution may be made in integral multiples of HK$500).

For example:

Maximum number of stock(s) invested	Minimum monthly investment amount
2	HK$1,000
3	HK$1,500
4	HK$2,000

Consecutive Month(s) of Contributions	1 to 12 months	13 to 24 months	Over 24 months
Conversion Rate (HKD contribution amount: Credit Card Gift Points)	5:1	3:1	1:1
Upper Limit of Gift Points	A maximum of 10,000 BOC Credit Card Gift Points can be earned for each monthly contribution

The advantage of “Monthly Stocks Savings Plan” is based on the concept of “Dollar Cost Averaging”. You can acquire more shares when the stock price goes down and less shares when the stock price goes up. With this long term investment strategy, you do not have to worry about short term market fluctuations, but with more balanced overall investment effectiveness.

Example (For reference only):

Contribution Month	Contribution Amount (HK$)	Contribution Amount After Deducting Transaction Fee (HK$)	Purchase Price per Share (HK$)	Number of Shares Bought	Net Contribution Amount (HK$)
January	1,000	950	15.38	61	938.18
February	1,000	950	17.24	55	948.20
March	1,000	950	16.70	56	935.20
April	1,000	950	17.50	54	945.00
				Total 226	3,766.58

Average cost per share (HK$)	=Net contribution amount ÷Total shares bought
	=3,766.58÷226
	=16.67

For further information, please visit any of our branches or call our enquiry hotline at (852) 3988 2388.

Terms and conditions: 

1. To set up a “Monthly Stocks Savings Plan”, customers are required to hold a securities account. Customers can at most set up one “Monthly Stocks Savings Plan” with its contribution paid through securities settlement account and one “Monthly Stocks Savings Plan” with its contribution paid through BOC Credit Card for each securities account.
2. If the required contribution amount could not be debited by Bank of China (Hong Kong) Limited (the “Bank”) from the customer’s securities settlement account or BOC Credit Card for three consecutive months, the Bank will have the right to terminate the relevant plan without prior notice.
3. The maximum monthly contribution amount paid by BOC Credit Card is subject to the credit limit of the BOC Credit Card.
4. Change in the number of stocks, monthly contribution amount or the use of another BOC Credit Card as the debit account will not affect the calculation of Consecutive Contribution Period.
5. Unless otherwise specified, the contribution day of the “Monthly Stocks Savings Plan” is on the tenth day of each month. If such day is not a stock trading day, contribution day will fall on the next stock trading day. If the contribution amount is paid by BOC Credit Card, the contribution amount will be debited 2 business days before the contribution day.
6. Transaction day is the next stock trading day after the contribution day. Adding new plan(s) is/are not accepted on the transaction day or the next stock trading day after the transaction day.
7. A maximum of 10 stocks can be selected under the same plan.
8. To adjust the contribution amount or the stock portfolio, the customer is required to place instruction through any branches or Internet Banking of the Bank 3 business days before the next transaction day.
9. The first successful contribution month, the number of consecutive contribution months and BOC Credit Card Gift Point conversion rate are determined in accordance with the Bank’s records.
10. The above products and services are subject to relevant terms and conditions. For details, please contact the staff of the Bank.
11. The Bank reserves the right to amend, suspend and terminate the above products and services, and to amend the relevant terms and conditions at any time at its sole discretion without prior notice.
12. In case of any dispute(s), the decision of the Bank shall be final.

Important Notice

Risk Disclosure
The following risk disclosure statements cannot disclose all the risks involved. You should undertake your own research and study before you trade or invest. You should carefully consider whether trading or investment is suitable in light of your own financial position and investment objectives. You are advised to seek independent financial and professional advice before you trade or invest. You should seek independent professional advice if you are uncertain of or have not understood any aspect of the following risk disclosure statements or the nature and risks involved in trading or investment.

Risk Disclosure of Securities Trading
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.