ORSO Schemes

Important Notes

  1. Principal Trust Company (Asia) Limited Retirement Scheme ("Scheme") is a master trust designed to comply with the Occupational Retirement Schemes Ordinance and the Mandatory Provident Fund Schemes (Exemption) Regulation.
  2. Principal Insurance Company (Hong Kong) Limited ("Principal") is the Guarantor of the Principal Long Term Guaranteed Fund and the Principal Capital Guaranteed Fund under this Scheme. Each of the Principal Long Term Guaranteed Fund and the Principal Capital Guaranteed Fund invests solely in an underlying investment fund in the form of an insurance policy issued by Principal. Your investments in the Principal Long Term Guaranteed Fund and the Principal Capital Guaranteed Fund, if any, are therefore subject to the credit risk of Principal. Please refer to page 6 of the Principal Brochure of the Scheme under the section "Provision of Guarantee" for the Principal Long Term Guaranteed Fund; and page 11 under the section "How the guarantee works" for the Principal Capital Guaranteed Fund, for details of the credit risk, guarantee features and guarantee conditions.
  3. If you are currently investing in Principal Long Term Guaranteed Fund, a withdrawal of the accrued benefits on ground of terminal illness may affect your entitlement to the guarantee and you may lose your guarantee. For details please check the Scheme offering document or consult your trustee before making any such withdrawal.
  4. Investment in the Principal Money Market Fund is different from placing deposits with a bank or deposit-taking company and is not protected by the Deposit Protection Scheme. Investments in this Fund will be subject to investment risks.
  5. You should consider your own risk tolerance level and financial circumstances before making any investment choices. When, in your selection of funds, you are in doubt as to whether it is consistent with your investment objectives), you should seek financial and/or professional advice and choose the fund(s) most suitable for you, taking into account your own circumstances.
  6. In the event that you do not make any investment choices, please be reminded that your contributions made and/or benefits transferred into this Scheme will be invested into the Principal Money Market Fund (unless other arrangement has been made between Principal Trust Company (Asia) Limited and the Employer), and such fund may not necessarily be suitable for you.
  7. Investment involves risks. The value of the funds may go up or down. You should not invest in reliance on this marketing material alone. You should read the Principal Brochure of the Scheme for further details (including investment policy, risk factors, fee and charges of the constituent funds).

Principal Trust Company (Asia) Limited Retirement Scheme

Principal Trust Company (Asia) Limited is pleased to bring a retirement scheme alternative that is designed with the flexibility to meet the retirement needs of both employers and employees.

The scheme consists of 13 fund options.

With the Principal Trust Company (Asia) Limited Retirement Scheme, employers and employees can secure a comprehensive retirement plan through prudent, systematic contributions and astute investment portfolios.

Issuer of this material:
Principal Trust Company (Asia) Limited

Important Notes

  1. The Principal Central Provident Fund (the "Principal CPF") is a master trust designed to comply with the Occupational Retirement Schemes Ordinance ("ORSO").
  2. One of the investment options (the "Guaranteed Fund") of the Principal CPF invests 100% in the Deposit Administration Guaranteed Fund Policy (the "China Life Policy") issued by The China Life Insurance (Overseas) Company Limited ("China Life"). Your investments in the Guaranteed Fund are therefore subject to the credit risks of China Life. Please refer to the section entitled "GUARANTEED FUND AND CHINA LIFE POLICY" in Appendix 1 to Principal Brochure for details of investment return and fees and charges of the Guaranteed Fund and the guarantee features and conditions of the China Life Policy.
  3. A few investment options (each, "Relevant Investment Options") of the Principal CPF each invests 100% in the (a) Stable Fund Policy, (b) Balanced Fund Policy, (c) Growth Fund Policy; (d) Principal Stable Fund Policy, (e) Principal Balanced Fund Policy, (f) Principal Growth Fund Policy, and (g) Principal - RCM Hong Kong Fund Policy. Each of these underlying insurance policies was issued by Principal Insurance Company (Hong Kong) Limited ("PIC"). Your investments in these Relevant Investment Options are therefore subject to the credit risks of PIC. Each reference to "Insurer" in this document means either China Life or PIC, as the case may be, unless expressly specified otherwise.
  4. You should consider your own risk tolerance level and financial circumstances before making any investment choices. When, in your selection of investment choices, you are in doubt as to whether a particular investment choice is suitable for you (including whether it is consistent with your investment objectives), you should seek financial and/or professional advice and choose the investment option(s) most suitable for you taking into account your circumstances.
  5. You should not invest based on the marketing information provided in this website alone and should read the principal brochure of the Principal CPF for further details, including product features, fees and charges and risk factors.

Principal Central Provident Fund

Issuer of this material:
Principal Trust Company (Asia) Limited