Important Notes
  • The Principal Central Provident Fund (the “Principal CPF”) is a master trust designed to comply with the Occupational Retirement Schemes Ordinance (“ORSO”) and the Securities and Futures Commission’s Code on Pooled Retirement Funds.
  • 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 "Investment option: Guaranteed Fund" 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.
  • 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.
  • 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 independent financial and/or professional advice and choose the investment option(s) most suitable for you taking into account your circumstances.
  • 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. Investment involves risks, the value of the investment options may go up or down and you may suffer significant loss of your investment.
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