Fund Options
Principal Trust Company (Asia) Limited Retirement Scheme consists of 14 fund options. Out of the 14 fund choices, two of them are guaranteed funds and the remaining twelve are investment funds.
With the Principal Trust Company (Asia) Limited Retirement Scheme, employers and employees can secure a comprehensive retirement plan through prudent, systematic savings and astute investment portfolios.
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Risk/Return Spectrum |
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High |
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Latest Fund Information
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Principal Capital Guaranteed Fund*
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| Objective |
Guarantee the capital value of the contributions and to earn a competitive short-term rate of return. |
| Investment Portfolio |
Invest in a guaranteed fund under an insurance policy which in turn invests in a portfolio of short duration securities. |
| Asset Allocation# |
| Debt Securities |
0 - 100%
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| Cash & Short-term Investments(e.g.bills and deposits) |
0 - 100%
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| Geographic Allocation# |
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Hong Kong
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60 - 100%
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United States
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0 - 40%
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Europe
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0 - 40%
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Other
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0 - 20%
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| Risk / Return Profile |
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| Principal Long Term Guaranteed Fund** |
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| Objective |
Provide a competitive long-term total rate of return, while also providing a minimum guaranteed average annual return over the career of the members. |
| Investment Portfolio |
The fund is constituted under an insurance policy and consists of a portfolio of fixed income and equity securities denominated in Hong Kong dollars, US dollars or other currencies that are consistent within the overall risk-return objectives and permissible geographical allocation of the fund. |
| Asset Allocation# |
| Equity Securities |
10 - 80%
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| Fixed Income Securities |
0 - 90%
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| Cash & Short-term Investments(e.g.bills and deposits) |
0 - 20%
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| Geographic Allocation# |
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United States
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15 - 100%
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Hong Kong
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0 - 85%
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Other Asia
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0 - 50%
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| Europe |
0 - 50% |
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Other Countries
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0 - 50%
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| Risk / Return Profile |
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Principal Asset Accumulation Fund***
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| Objective |
Earn a net return equal to the Prescribed Savings Rate (which is broadly the average rate of interest for a Hong Kong dollar savings account) determined by the MPFA. |
| Investment Portfolio |
Invest in an investment fund which will invest in a portfolio of bank deposits, short duration securities and high quality money market instruments denominated in Hong Kong dollars. |
| Asset Allocation# |
| Certificates of Deposit |
0 - 95%
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| Debt Securities |
0 - 95%
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| Cash & Short-term Investments(e.g.bills and deposits) |
0 - 100%
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| Geographic Allocation# |
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| Risk / Return Profile |
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| Principal Money Market Fund |
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| Objective |
Earn a competitive short-to-medium term rate of return. |
| Investment Portfolio |
Invest in an investment fund which is primarily in a portfolio of high quality Hong Kong dollar short-to-medium duration debt securities. The fund will also invest in U.S. dollar short-to-medium duration debt securities. |
| Asset Allocation# |
Short-to-medium Duration
Debt Securities |
60 - 100%
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Cash & Short-term Investments
(e.g.bills and deposits) |
0 - 40%
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| Geographic Allocation# |
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Hong Kong
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70 - 100%
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United States
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0 - 30%
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Europe
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0 - 30%
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Others
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0 - 20%
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| Risk / Return Profile |
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| Principal US Dollar Money Market Fund |
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| Objective |
Earn a competitive short-to-medium term rate of return. |
| Investment Portfolio |
Invest in an investment fund which invests mainly in a portfolio of high quality U.S. dollar or Hong Kong dollar short-to-medium duration debt securities. The fund may also hold assets denominated in Hong Kong dollar or other currencies. |
| Asset Allocation# |
Short-to-medium Duration
Debt Securities |
60 - 100%
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Cash & Short-term Investments
(e.g.bills and deposits) |
0 - 40%
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| Geographic Allocation# |
| United States |
70 - 100%
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| Hong Kong |
0 - 30%
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| Europe |
0 - 30%
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| Others |
0 - 20%
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| Risk / Return Profile |
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| Principal International Bond Fund |
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| Objective |
Maximize real asset value in terms of international purchasing power. |
| Investment Portfolio |
Invest in an investment fund which invests mainly in a portfolio of debt securities, both sovereign and non-sovereign, of varying maturities and denominated in the world's major currencies. |
| Asset Allocation# |
| Debt Securities |
70 - 100%
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| Cash & Short-term Investments(e.g.bills and deposits) |
0 - 30%
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| Geographic Allocation# |
| United States |
15 - 65%
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Italy |
0 - 50%
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| France |
0 - 50%
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Japan |
0 - 50%
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| Germany |
0 - 50%
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Canada |
0 - 20%
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| Hong Kong |
0 - 50%
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Other countries(each) |
0 - 20%
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| Risk / Return Profile |
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| Principal Stable Yield Fund |
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| Objective |
Seek long-term growth of capital through investing in one or more investments funds (in the form of one or more insurance policies or unit trusts). |
| Investment Portfolio |
Invest in one or more investment funds which primarily invest in equities and debt securities of different countries. |
| Asset Allocation# |
| Equity Securities |
0 - 60%
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| Debt Securities |
20 - 90%
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| Cash & Short-term Investments(e.g.bills and deposits) |
0 - 30%
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| Geographic Allocation# |
| Asia |
0 - 75%
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South America |
0 - 10%
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| Europe |
0 - 75%
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Africa / Middle East |
0 - 10%
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| North America |
0 - 80%
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Others |
0 - 20%
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| Risk / Return Profile |
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| Principal Long Term Accumulation Fund |
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| Objective |
Earn a competitive long-term total rate of return through investing in a balanced portfolio. |
| Investment Portfolio |
Invest in one or more investment funds which has a balanced investment philosophy and consist of a portfolio of fixed income and equity securities denominated in the world's major currencies. |
| Asset Allocation# |
| Equity Securities |
20 - 80%
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| Fixed Income Securities |
15 - 75%
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| Cash & Short-term Investments(e.g.bills and deposits) |
0 - 20%
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| Geographic Allocation# |
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United States
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15 - 100%
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Asia
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0 - 85%
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Europe
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0 - 30%
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Others
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0 - 20%
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| Risk / Return Profile |
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| Principal Global Growth Fund |
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| Objective |
Seek long-term growth of capital through investing in one or more investments funds (in the form of one or more insurance policies or unit trusts). |
| Investment Portfolio |
Invest in one or more investment funds which invest primarily in equities and debt securities of different countries. |
| Asset Allocation# |
| Equity Securities |
30 - 90%
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| Debt Securities |
10 - 70%
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| Cash & Short-term Investments(e.g.bills and deposits) |
0 - 30%
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| Geographic Allocation# |
| Asia |
0 - 75% |
South America |
0 - 10%
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| Europe |
0 - 75% |
Africa / Middle East |
0 - 10%
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| North America |
0 - 80% |
Others |
0 - 20%
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| Risk / Return Profile |
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| Objective |
Achieve capital growth over the long-term by investing in U.S. equity markets. |
| Investment Portfolio |
Invest in an investment fund which invests mainly in U.S. equities and may include exposure to cash and short-term investments. |
| Asset Allocation# |
| Equity Securities |
70 - 100%
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| Cash & Short-term Investments(e.g.bills and deposits) |
0 - 30%
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| Geographic Allocation# |
| United States |
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70 - 100%
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| Hong Kong |
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0 - 30%
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| Others |
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0 - 20%
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| Risk / Return Profile |
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| Principal Asian Equity Fund |
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| Objective |
Achieve capital growth over the long-term by investing in Asian equity markets. |
| Investment Portfolio |
Invest in an investment fund which consists of Asian equities and may include exposure to cash and short-term investments. |
| Asset Allocation# |
| Equity Securities |
70 - 100%
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| Cash & Short-term Investments(e.g.bills and deposits) |
0 - 30%
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| Geographic Allocation# |
| Hong Kong |
0 - 65% |
China |
0 - 40%
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| South Korea |
0 - 65% |
Indonesia |
0 - 40%
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| Malaysia |
0 - 40% |
Philippines |
0 - 40%
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| Singapore |
0 - 40% |
Thailand |
0 - 40%
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| Taiwan |
0 - 40% |
India |
0 - 40%
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| Others |
0 - 20% |
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| Risk / Return Profile |
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| Principal China Equity Fund |
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| Objective |
Achieve long-term capital growth through investing primarily in equity securities of companies conducting a majority of their business in the PRC or whose business operation is based in or related to the PRC. |
| Investment Portfolio |
Invest in one or more investment funds which invest primarily in securities of PRC companies; those securities will normally be listed on a stock exchange in the PRC. The fund will invest at least 70 per cent of the non-cash assets of the fund in securities and other investments based in or related to the PRC. |
| Asset Allocation# |
| Equity & Quasi-Equity Securities |
70 - 100%
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| Cash & Short-term Investments(e.g.bills and deposits) |
0 - 30%
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| Geographic Allocation# |
| PRC (including Hong Kong and Macau) |
70 - 100%
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| Others |
0 - 30%
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| Risk / Return Profile |
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| Principal Hong Kong Equity Fund |
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| Objective |
Achieve capital growth over the long-term by investing mainly in Hong Kong equity markets. |
| Investment Portfolio |
Invest in one or more investment funds which invest primarily in listed equities issued by companies established in Hong Kong or by companies whose shares are listed in Hong Kong or listed equities issued by companies which have business in Hong Kong. The fund may hold cash and short-term investments. At least 70% of the non-cash assets of the fund will be invested in equities listed on the Hong Kong Stock Exchange. |
| Asset Allocation# |
| Equity Securities |
70 - 100%
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| Cash & Short-term Investments(e.g.bills and deposits) |
0 - 30%
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| Geographic Allocation# |
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Hong Kong
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30 - 100%*
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PRC
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0 - 50%
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Others
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0 - 30%
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*Notwitstanding the above, at least 70% of the non-cash assets of the fund will be invested in equities listed on the Hong Kong Stock Exchange. |
| Risk / Return Profile |
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| Principal International Equity Fund |
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| Objective |
Seek capital growth over the long-term. |
| Investment Portfolio |
Invest in an investment fund which invests mainly of equity securities selected from investment markets around the world and may include exposure to cash and short-term investments. |
| Asset Allocation# |
| Equity Securities |
70 - 100%
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| Cash & Short-term Investments(e.g.bills and deposits) |
0 - 30%
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| Geographic Allocation# |
| North America |
0 - 65%
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Europe |
0 - 60%
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| Asia |
0 - 50%
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Middle East |
0 - 20%
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| South America |
0 - 50%
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Africa |
0 - 20%
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| Others |
0 - 20%
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| Risk / Return Profile |
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* Principal Capital Guaranteed Fund
The Guarantor of the capital value for the Fund is Principal Insurance Company (Hong Kong) Limited.
** Principal Long Term Guaranteed Fund
The guarantee of capital and return will only be offered if the contributions in the fund are withdrawn upon the occurrence of a "qualifying event", which is the receipt by the Trustee 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)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 fund up to and including the last date of his employment ("qualifying period") is at least 36 complete months. The qualifying period in respect of a member may also be re-set to zero if the member (or his personal representative) effects a redemption, switching out or withdrawal of the units of the fund other than upon the occurrence of a qualifying event.
> If a redemption, switching out or withdrawal of the units of the 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.
Special terms and conditions apply regarding how the guarantee operates. Please refer to the principal brochure including the illustrative examples for full details of how the guarantee operates
***Principal Asset Accumulation Fund
If the amount of income and profits derived from the investment of the fund prior to the deduction of asset fee and administrative expenses for a particular month exceeds the amount of interest that would be earned under the "prescribed savings rate", a portion of the asset fee and administrative expenses not exceeding the excess may be deducted from the accrued benefits of the member.
However, if for any particular month no portion of asset fee and administrative expenses are deducted resulting from being unable to meet the prescribed savings rate, or the amount deducted is less than the actual amount required, the deficiency may be rolled forward and be deducted from the amount of any excess that may remain from any of the following 12 months after deducting the required asset fee and administrative expenses of that month. If the deficiency still remains after the 12-month period, no additional deduction will be allowed thereafter.
# The asset allocation and geographic distribution of the funds are for reference only and the investment manager(s) may exercise the discretion to change the investment allocation whenever appropriate.
Investment involves risks. The value of the funds may go up or down. Please refer to the Principal Brochure for more details of the fund options.
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