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Guaranteed Fund*
Objective	To provide an competitive long-term total rate of return, while providing a minimum guaranteed average annual return.
Investment Portfolio	Invest through an APIF in equity securities including (but not limited to) common stock, warrants, preferred stock and in fixed income securities denominated in HK dollars or US dollars.
Asset Allocation	Equity Securities 20% - 80% Fixed Income Securities 15% - 75% Cash & Short-term Investments (e.g. bills and deposits) 3% - 20%
Geographic Distribution	United States 15 - 100% Hong Kong 0 - 85% Other Asia 0 - 30%
Risk / Return Profile	(Guaranteed Fund)

Capital Preservation Fund
Objective	To preserve capital with minimal risk.
Investment Portfolio	Invests in an APIF which in turn invests in a portfolio of bank deposits, short duration securities and high quality money market instruments denominated in Hong Kong Dollar.
Asset Allocation	Certificate of Deposits 0% - 95% Debt Securities 0% - 95% Cash & Short-term Investments (e.g.bills and deposits) 0% - 100%
Geographic Distribution	Hong Kong 100%
Risk / Return Profile

Stable Growth Fund
Objective	To achieve stable, long term capital appreciation through investment in a range of money market instruments, cash deposits, fixed income securities and global equities.
Investment Portfolio	Invest in two or more APIF, each of which may in turn make direct investments or invest in one or more APIF.
Asset Allocation	Global Equities 30% Money Market Instruments, Fixed Income Securities and Cash Deposits 70%
Geographic Distribution	Hong Kong 10% Asia 4% Japan 4% North America 6% Europe 6%
Risk / Return Profile

*Guaranteed Fund
The guarantee of capital and return will only be offered if the contributions invested in the Underlying Fund are withdrawn upon the occurrence of a "qualifying event", which is the receipt by the Guarantor of a valid claim of all the accrued benefits of the Member upon satisfying any of the following conditions:

(a) Attainment of the normal retirement age or retirement at or after the early retirement age but before the normal retirement age
(b) Total incapacity
(c) Death
(d) Permanent departure from Hong Kong
(e) Claim of "small balance"

The above conditions (a) to (e) apply to employee members, self-employed persons and "preserved" account holders.

(f) Termination of the Member's employment (regardless of the reason of termination) and the continuous period for which the Member has been investing in the Underlying Fund up to and including the last date of his employment ("qualifying period") is at least 36 complete months. The qualifying period may also be re-set to zero if the Member (or his personal representative) effects a redemption, switching out or withdrawal of investment from the Guaranteed Fund other than upon the occurrence of a qualifying event. For the avoidance of doubt, condition (f) does not apply to self-employed Members or preserved account holders.

If a redemption, switching out or withdrawal of a Member's units of the Guaranteed Fund is effected other than the occurrence of a qualifying event as stated above, the guarantee will be affected. The Guarantor of the capital and the return for this fund is Principal Insurance Company (Hong Kong) Limited.

The guaranteed rate of return for amounts contributed to the Fund after 30 September 2004 was revised. The revised guarantee rate would be the "new applicable rate", which is currently set at 1% p.a. The guaranteed rate of return for amounts contributed to the Fund on or before 30 September 2004 remains unchanged (i.e. 4% p.a.).

Special terms and conditions apply regarding how the guarantee operates. Please refer to the Explanatory Memorandum including the illustrative examples for full details of how the guarantee operates.

NOTE:
Investors should note that (i) the above ranges of asset and geographic allocations are for indication only and long term allocations may vary with changing market conditions; and (ii) the geographic allocation for equity investments is classified by the place of principal business of the issuers and the geographic allocation for debt investments is classified by their currency denomination.

Investment involves risks. The value of the funds may go down as well as up. Please refer to the Principal Brochure  for more details of the Schemes.