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                                                              Important Notes

                                                              Please scroll down to read through the important notes and then click "I have read and understood" to proceed.

                                                              BCT (MPF) Pro Choice and BCT (MPF) Industry Choice

                                                              • You should consider your own risk tolerance level and financial circumstances before making any investment choices or investing according to the Default Investment Strategy. When, in your selection of funds or the Default Investment Strategy, you are in doubt as to whether a certain fund or the Default Investment Strategy is suitable for you (including whether it is consistent with your investment objective), you should seek financial and / or professional advice and choose the investment choice(s) most suitable for you taking into account your circumstances.
                                                              • In the event that you do not make any investment choices, please be reminded that your contributions made and / or accrued benefits transferred into the Plan will be invested in accordance with the Default Investment Strategy, which may not necessarily be suitable for you.
                                                              • Your investment decision should not be based on this website alone. Please read the MPF Scheme brochures of BCT (MPF) Pro Choice and BCT (MPF) Industry Choice for further details, including the risk factors.
                                                              • BCT (Pro) MPF Conservative Fund and BCT (Industry) MPF Conservative Fund of the relevant schemes do not guarantee the repayment of capital.
                                                              • Members should note that BCT (Pro) Asian Income Retirement Fund does not provide any guarantee on capital or investment return or dividend yield, and their investments therein (including dividends distributed) are subject to the same vesting, preservation and withdrawal requirements applicable to mandatory and voluntary contributions (as applicable). The BCT (Pro) Asian Income Retirement Fund may pay dividends out of net distributable income and/or capital, which will result in an immediate decrease or adjustment in the net asset value per unit. The payment of dividends (if any) will involve an investment time-lag and is subject to out-of-market risk. There is no assurance on the dividend distribution frequency and the dividend amount/yield may fluctuate.
                                                              • Members should note that the regular and frequent distribution of dividends and reinvestment of dividends will inevitably involve an investment time-lag during which dividends are not reinvested and are subject to out-of-market risk on a recurring basis (currently, on a monthly basis). During the period pending reinvestment, the net asset value per unit of the relevant constituent fund (i.e. BCT (Pro) Asian Income Retirement Fund for members below the age of 65, or the Age 65 Plus Fund for members who have reached the age of 65) into which dividends are reinvested may have gone up or down, and accordingly the members’ investment return may be impacted negatively or positively. Therefore the investment return for these members may deviate from that derived from a constituent fund with a similar investment portfolio without such arrangement, meaning that the dividend distribution arrangement of BCT (Pro) Asian Income Retirement Fund may not always be advantageous to these members. 
                                                              • Members should note that BCT (Pro) Asian Income Retirement Fund does not provide any guarantee on the capital or investment return or dividend amount / yield. There is no assurance on the dividend distribution frequency and the dividend amount / yield may fluctuate.
                                                              • Members should note that investment markets could fluctuate significantly. Fund prices may go down as well as up. There is no guarantee that, given the time required to implement fund switching instructions, such instructions will achieve your desired results. Please carefully consider your own risk tolerance level and financial circumstances (as well as your own retirement plan) before making any investment choices. If in doubt, please contact your independent financial advisor for further details.

                                                              BCT Premier Pooled ORSO Retirement Plan

                                                              • 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 a certain fund is suitable for you (including 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 circumstances.
                                                              • Your investment decision should not be based on this website alone. Please read the explanatory memorandum of the Plan for further details, including the risk factors.
                                                              • BCT ORSO Guaranteed Fund under the Plan invests solely in an insurance policy issued by China Life Insurance (Overseas) Company Limited ("China Life"). China Life is the guarantor of the policy. Your investments in BCT ORSO Guaranteed Fund, if any, are therefore subject to the credit risk of China Life. Please refer to part IV of the Explanatory Memorandum for details of the credit risk, guarantee features and guarantee conditions.
                                                              • Members should note that BCT ORSO Asian Income Retirement Fund does not provide any guarantee on capital or investment return or dividend yield. The BCT ORSO Asian Income Retirement Fund may pay dividends out of net distributable income and/or capital, which will result in an immediate decrease or adjustment in the net asset value of the portfolio. The payment of dividends (if any) will involve an investment time-lag and is subject to out-of-market risk. There is no assurance on the dividend distribution frequency and the dividend amount/yield may fluctuate.
                                                              • Members should note that the regular and frequent distribution of dividends and reinvestment of dividends will inevitably involve an investment time-lag during which dividends are not reinvested and are subject to out-of-market risk on a recurring basis (currently, on a monthly basis). During the period pending reinvestment, the net asset value per unit of the relevant constituent fund (i.e. BCT ORSO Asian Income Retirement Fund for members below the age of 65, or the Age 65 Plus Fund for members who have reached the age of 65) into which dividends are reinvested may have gone up or down, and accordingly the members’ investment return may be impacted negatively or positively. Therefore the investment return for these members may deviate from that derived from a constituent fund with a similar investment portfolio without such arrangement, meaning that the dividend distribution arrangement of BCT ORSO Asian Income Retirement Fund may not always be advantageous to these members.
                                                              • Members should note that BCT ORSO Asian Income Retirement Fund does not provide any guarantee on the capital or investment return or dividend amount / yield. There is no assurance on the dividend distribution frequency and the dividend amount / yield may fluctuate.

                                                              Unless otherwise specified, the term “BCT” referred to in this website shall mean BCT Financial Limited (Plan Sponsor) and Bank Consortium Trust Company Limited (Trustee & Administrator)

                                                              This website is issued by BCT Financial Limited.

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                                                              9. BCT Introduces Hong Kong's First Metaverse-Themed One-Stop Mobile Platform App “bct+”

                                                              BCT Introduces Hong Kong's First Metaverse-Themed One-Stop Mobile Platform App “bct+”

                                                              02 bct

                                                               

                                                              In support of the Mandatory Provident Fund Scheme Authority's work on investment education and in response to the increasing demand of better digital customer experience driven by the pandemic that has transformed the consumer behavior and lifestyle habits, BCT Group ("BCT") is pleased to announce the launch of bct+, an upgraded version of BCT’s mobile app, with the aim of raising Hong Kong people’s awareness about the right attitude towards MPF and personal finance management in an interesting way. The enhanced MPF management and engagement platform is built with the concept of a Metaverse, and the membership is open to any Hong Kong residents (with HKID card) aged 18 or above. Successfully registered bct+ members can earn Game Coins after completing certain simple missions (or by reference to the asset values of their BCT MPF account(s) (if any); and those Game Coins can be used to redeem various experiences or rewards. What is more, members can also earn Game Coins in bct+ Metaverse to redeem virtual furniture and real-life rewards/experiences.

                                                               

                                                              An array of brand new personalized experiences and exciting offers

                                                               

                                                              bct+ is a decentralized Metaverse where merchants can set up virtual “pop-up stores” to provide exclusive offers and experiences. Members can "play to earn" Game Coins and add value via Coin Bank for virtual furniture to decorate their own “place”, while the “capsule machine” is set to deliver delightful surprises to members from time to time. bct+ members can enjoy an array of attractive benefits, including free coffee upgrades at % Arabica, and close to 100 other offers covering dining, health and wellness, entertainment and lifestyle experiences. “Central Market” will also join bct+ Metaverse, through which offers to bct+ members as well as latest events and happenings of “Central Market” will be shared. In addition, members who consolidate their MPF accounts with BCT can enjoy up to HK$20,000 worth of bonus unit rebate. Existing BCT MPF members can easily earn Game Coins through their MPF account balance every month: one Game Coin will be granted for every HK$120 of their net MPF asset. Existing users of BCT App can enjoy bct+ benefits simply by having the app upgraded and getting themselves registered as a bct+ member.

                                                               

                                                              Ms Ka-shi Lau, Managing Director and CEO of BCT, said, "As digitalization has become an integral part of our lives, it is the right time for us to introduce this upgraded mobile app as a step to encouraging MPF members to attend to their accounts more proactively through checking account balances, evaluating their portfolios and getting the latest fund updates. bct+, a one-stop MPF management and engagement platform, is a combination of real and virtual worlds that offers members an immersive experience to explore the Metaverse.”

                                                               

                                                              Mr Bob Lee, Deputy CEO of BCT, added, “Apart from letting members manage their MPF with ease, bct+ allows them to ‘play to earn’ Game Coins in exchange for various lifestyle rewards, making BCT’s MPF more interesting and more relevant to our daily lives; we will truly be 'Shaping Tomorrow With You Now'."

                                                               

                                                              bct+ Instant Lucky Draw* giving out as many as 80,000 prizes

                                                               

                                                              From now until 30 September 2022, Hong Kong residents aged 18 or above who have successfully registered as bct+ members can stand a chance to win a prize from the HK$1.5 million bct+ Instant Lucky Draw. Exciting prizes include the grand prize HK$300,000 worth of Tax Deductible Voluntary Contribution fund units, iPhone 13 Pro, a one-night Staycation at Rosewood Hong Kong, a PlayStation®5 console, and a luxury yacht experience, etc.

                                                              *Subject to terms and conditions. 

                                                               

                                                              Big-data-analytics-backed Pop-Chart, an industry-first app feature

                                                               

                                                              Apart from various attractive offers, BCT also strives to further enhance customer experience to the next level through bct+ and makes managing MPF a fun experience. As a brand-new feature of bct+, the big data analytics will be used to review the fund choices of the “best-performing BCT MPF members” and feature MPF funds popular to them in the “Pop-Chart”. This feature can serve as additional piece of information for use as reference. To add more fun to the “Pop-Chart”, it will be presented with different interesting themes from time to time, with the first theme being astrology, whereby popular MPF funds in the chart are presented by reference to the “star signs” of the best-performing BCT MPF members.

                                                               

                                                              For more information on bct+, please visit https://www.bcthk.com/en/promo/app .

                                                               

                                                              Fund Prices

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                                                              As of Date
                                                              14 Jul 2024
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