Monthly Funds Savings Plan

"Monthly Funds Savings Plan" is a flexible and convenient investment service which allows you to leverage on the advantage of "Dollar Cost Averaging" and minimize the impact of short term market volatility and benefit from the potential of market growth in the long run. The earlier you start your investment plan, the sooner you may achieve your financial goals.

More Monthly Savings Plan

Low Contribution Amount

With a monthly contribution of as low as HK$500, you can invest in our selected open-end funds. You can calculate the "Expected Balance"," Expected no. of Contribution Month" and "Expected Monthly Contribution" via the calculator  to achieve your financial goals with ease.

Higher Potential Returns Generated by "Dollar Cost Averaging"

"Monthly Funds Savings Plan" adopts the strategy of "Dollar Cost Averaging" by purchasing more fund units when the fund unit price goes down and fewer units when the fund unit price goes up. Under the long term investment strategy, it can help you minimize the short term impact of market fluctuations while enjoying a lower average cost per unit to reap higher potential returns.

Example (The figures are for reference only)

Fund Price
Net Contribution Amount
Units Bought
January 10.20 500 49.01
February 9.60 500 52.08
March 9.80 500 51.02
April 10.10 500 45.50
  Total 2,000 201.61
Average cost per unit (HK$) =Total Net Contribution Amount ÷ Total Units Subscribed
  =2,000 ÷ 201.61

Convenient Online Trading Services Platform

You can set up or update your "Monthly Funds Savings Plan" via Internet Banking anytime, anywhere. You can also view your fund portfolio, transactions, dividend distribution records, profit and loss status of individual fund as well as the overall performance of your fund portfolio via Internet Banking or the monthly statement.

Hassle-free Payment Methods

You can pay your monthly contribution by directly debiting your fund settlement account set up at BOCHK or via BOC Credit Card. If your contribution is settled by BOC Credit Card, you may also earn credit card gift points.

Minimum monthly contribution HK$500 (or its equivalent in foreign currencies) per fund
Minimum investment period No limitation
Handling charge for termination Handling charge is waived if the plan is terminated after 12 months since the date of your first subscription*
Payment and Subscription Date 20th of each month

* If "Monthly Funds Savings Plan" is terminated by the customer within the first 12 months from the date of your first subscription, BOCHK reserves the right to charge a handling fee.

Terms and conditions of "Monthly Funds Savings Plan":

  • Unless specified by Bank of China (Hong Kong) Limited (the "Bank"), the cut-off date for applications to add, amend or terminate "Monthly Funds Savings Plan" (the "Plan") is three Hong Kong banking business days (excluding Saturdays) before the Contribution Date (as defined below). Any application submitted after the relevant cut-off date will be processed as an application in respect of the following month.
  • Unless specified by the Bank, the date of contribution and subscription under the Plan is scheduled to be the 20th of each month ("Contribution Date") or, if such day is a Saturday or a public holiday in Hong Kong, the date of contribution and subscription will be postponed to the next banking business day.
  • Customers can pay the monthly contributions by direct debit from the designated settlement accounts maintained at the Bank or BOC Credit Cards. If the monthly contribution is settled via the settlement accounts, it will be debited on the Contribution Date, and customers should maintain sufficient funds in the settlement accounts to cover the amount. If the monthly contribution is settled by BOC Credit Cards, it will be debited on two Hong Kong banking business days (excluding Saturdays) before the Contribution Date or any other date specified by the Bank, and the customers should maintain sufficient available credit limit to cover the amount.
  • If the monthly contribution is settled via settlement accounts, the minimum monthly contribution for the Plan is HK$500 (or its equivalent in foreign currencies). If the monthly contribution is settled by BOC Credit Cards, the minimum and maximum monthly contribution for the Plan is HK$500 (or its equivalent in foreign currencies) and HK$20,000 (or its equivalent in foreign currencies) respectively.
  • If the customers fail to make the payments of monthly contribution for three consecutive months, the Bank reserves the right to terminate the relevant Plan immediately.
  • The Bank reserves the right to amend and/or withhold any Plans and/or any of the above terms and conditions at its discretion.
  • In case of any disputes, the decision of the Bank shall be final.
  • In case of any inconsistencies between the Chinese version and the English version of this promotional material, the Chinese version shall prevail.

For enquiry, please call our Personal Customer Service Hotline at +852 3988 2388 or visit any of our branches.

To borrow or not to borrow? Borrow only if you can repay!

Important Notes

The following risk disclosure statements may not 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.

Risk Disclosure Statement

The above information is for reference only. This webpage does not constitute any offer, solicitation, recommendation, comment or any guarantee to the purchase or sale of any investment products or services. The investment products or services mentioned in this webpage are not equivalent to, nor should it be treated as a substitute for, time deposit. Although investment may bring profit opportunities, each investment product or service involves potential risks. Due to dynamic changes in the market, the price movement and volatility of investment products may not be the same as expected by you. Your fund may increase or reduce due to the purchase or sale of investment products. The value of investment funds may go up as well as down and the investment funds may become valueless. Therefore, you may not receive any return from investment in investment funds. Part of your investment may not be able to liquidate immediately under certain market situation. The investment decision is yours but you should not invest in these products unless the intermediary who sells them to you has explained to you that these products are suitable for you having regard to your financial situation, investment experience and investment objectives. Before making any investment decisions, you should consider your own financial situation, investment objectives and experiences, risk acceptance and ability to understand the nature and risks of the relevant product. Investment involves risks. Please refer to the relevant fund offering documents for further details including risk factors. If you have any inquiries on this Risk Disclosure Statement or the nature and risks involved in trading or funds etc, you should seek advice from independent financial adviser.

This webpage is issued by Bank of China (Hong Kong) Limited. The contents of this webpage have not been reviewed by the Securities and Futures Commission in Hong Kong.

Important Notes