Risk disclosure:

  1. 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.
  2. Certain mutual funds and unit trusts (“Investment Funds”) are structured products involving derivatives. The investment decision is yours but you should not invest in any Investment Fund unless the intermediary who sells such Investment Fund to you has explained to you that such Investment Fund is suitable for you having regard to your financial situation, investment experience and investment objectives. Investment in Investment Funds involves significant risks. It is impossible to describe every risk associated with such an Investment Fund that is relevant to you. Before making your investment decision, you should carefully read the offering documents of the relevant Investment Fund including, in particular, the sections about risks, and ensure that you fully understand the nature and all the risks associated with an investment in the relevant Investment Fund and are willing to assume such risks. You should carefully consider whether the relevant Investment Fund is suitable for you in light of your own relevant circumstances. If in doubt, you should seek independent professional advice.
  3. The prices of bonds fluctuate, sometimes dramatically. The price of bonds may move up and 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 Bonds. The investment decision is yours but you should not invest in any bonds unless the intermediary who sells such product to you has explained to you that this product is suitable for you having regard to your financial situation, investment experience and investment objectives. Investment in bonds involves significant risks. It is impossible to describe every risk associated with such bonds that is relevant to you. Before making your investment decision, you should carefully read the offering documents of the relevant bonds including, in particular, the sections about risks, and ensure that you fully understand the nature and all the risks associated with an investment in the relevant bonds and are willing to assume such risks. You should carefully consider whether the relevant bonds is suitable for you in light of your own relevant circumstances. If in doubt, you should seek independent professional advice.
  4. Structured products involve derivatives. The investment decision is yours but you should not invest in these products unless the intermediary who sells it to you has explained to you that these products are suitable for you having regard to your financial situation, investment experience and investment objectives. Structured products may not be principal protected, you may lose all or part of your principal invested. These products are not equivalent to time deposits and are not protected deposits under the Deposit Protection Scheme in Hong Kong.
  5. The market in precious metals is volatile and a loss may be incurred from transacting in precious metals. Precious metals do not bear interest. Your purchase of precious metals for the account does not represent a purchase of physical metals or a deposit of money. You will not have any interest in any precious metals owned or held by us or be entitled to physical delivery of precious metals. Although investment may bring about profit opportunities, each kind of investment tool comes with its own risks. Due to the fluctuating nature of the precious metals markets, the prices of precious metals may rise or fall beyond your expectations and your investment funds may increase or decrease in value as a result of selling and purchasing of precious metals. Before making any investment decision, you should assess your own willingness and ability to bear risks and are advised to seek advice from an independent financial advisor.
  6. The risk of loss in leveraged foreign exchange trading and precious metals trading can be substantial. You may sustain losses in excess of your initial cash margin. Placing contingent orders, such as "stop-loss" or "stop-limit" orders, will not necessarily limit losses to the intended amounts. Market conditions may make it impossible to execute such orders. You may be called upon at short notice to deposit additional cash margin. If the required cash margin or interest payments are not provided within the prescribed time, your position may be liquidated. You will remain liable for any resulting deficit in your account and interest charged on your account. A demand for additional cash margin is not a precondition to, and does not in any way limit, our right to liquidate your open positions according to the relevant terms and conditions. You should therefore carefully consider whether such trading is suitable in light of your own financial position and investment objectives.
  7. Investment involves risks. Although investment may bring about profit opportunities, each type of investment product or service comes with its own risks. Due to the fluctuating nature of the markets, the prices of products may rise or fall beyond customers’ expectations and investment funds may increase or decrease in value as a result of selling or purchasing investment products. Loss may equal or exceed the amount of the initial investment. Income yields may also fluctuate. Due to market conditions, some investments may not be readily realised. Before making any investment decision, customers should assess their own financial position, investment objectives and experience, willingness and ability to bear risks, and understand the nature and risk of the relevant product. For details of the nature of a particular product and the risks involved, please refer to the relevant offering documents. Customers should seek advice from an independent financial adviser. This promotional material does not constitute any offer, solicitation, recommendation, comment or any guarantee to the purchase or sale of any investment product or service. This web page is issued by Bank of China (Hong Kong) Limited and the contents have not been reviewed by the Securities and Futures Commission of Hong Kong.