Retirement Planning
                                                               
                                                               

                                                              CSOP Asset Management Limited

                                                              CSOP Asset Management Limited ("CSOP") was established in Hong Kong in January 2008 as the first offshore subsidiary established by one of the largest Chinese asset management companies with parent company total AUM of US$ 266 billion as of 31 December 2022. As a dedicated homegrown ETF issuer and Greater China investment solutions provider, CSOP is committed to serving investors such as sovereign wealth funds, pensions, insurance, and endowments globally. As of 31 December 2022, the total AUM of CSOP is over US$ 12.6 billion, making it the second largest ETF Issuer by AUM in Hong Kong.

                                                              Source: CSOP as at 31 December 2022.

                                                              Manager Introduction

                                                              Multi-Manager Investing

                                                              You work hard for your money so let us help it grow. By trusting BCT with your assets, you are investing in quality fund management. That is why we have carefully selected ten well-known, trusted, and independent fund managing companies and guarantor to help grow your MPF and ORSO funds. These companies are completely unaffiliated with BCT by way of ownership or partnership, so you can be assured that we are looking out only for your interests only.

                                                              To select our fund managers and guarantor, we carefully vet their performance, track records and credentials, including investment philosophy, strategy, expertise, resources, consistency, ethics and compliance. We understand that it’s impossible to entirely predict the market, so in order to maintain consistent, reliable performance, we regularly review managers and their strategies to work on getting you consistent returns.

                                                              FIL Investment Management (Hong Kong) Limited

                                                              Fidelity International offers investment solutions and services and retirement expertise to more than 2.8 million customers globally. As a privately held, purpose-driven company with a 50-year heritage, we think generationally and invest for the long term. Operating in more than 25 locations, our clients range from central banks, sovereign wealth funds, large corporates, financial institutions, insurers and wealth managers, to private individuals.

                                                              Our Workplace & Personal Financial Health business provides individuals, advisers and employers with access to world-class investment choices, third-party solutions, administration services and pension guidance. Together with our Investment Solutions & Services business, we invest $574.9 billion on behalf of our clients. By combining our asset management expertise with our solutions for workplace and personal investing, we work together to build better financial futures.

                                                              Source: Fidelity, as at 31 March 2022.

                                                              Taikang Asset Management (Hong Kong) Company Limited

                                                              Taikang Logo

                                                              Taikang Asset Management (Hong Kong) Company Limited (referred as "Taikang Asset (Hong Kong)"), a wholly-owned subsidiary of Taikang Asset Management Company Limited (referred as "Taikang Asset"), was established in November 2007. As of December 31, 2021, the size of total assets under management (referred as "AUM") of Taikang Asset has exceeded USD 433.67 billion, as one of the largest asset management company in China. The size of pension AUM has exceeded USD 100 billion, making Taikang Asset one of the largest pension manager in China.

                                                              Taikang Asset has extensive investment experience across multiple sectors and a wide range of asset classes, including fixed income, equities, offshore assets, infrastructure and real estate, stocks, and other financial instruments. Taikang Asset offers its investment products and services for includinge insurance asset management, pension fund management, enterprise annuities, occupational annuities, alternative project investments, wealth management, asset management, pension products, QDII separate accounts, and mutual funds. Taikang Asset has developed a client service infrastructure on the basis of client centricity and has faithfully implemented the service list assurances. The Company is committed to improving clients' investment experience through closed-loop client relationship management.

                                                              Source: Taikang Asset (Hong Kong), as at 31 December 2021

                                                              Allianz Global Investors Asia Pacific Limited

                                                              Allianz Global Investors Asia Pacific Limited ("Allianz Global Investors") is one of the world's leading active asset managers, operating across 23 locations worldwide, and with specialized in-house research teams around the globe. It has more than EUR673 billion in AUM for individuals, families and institutions worldwide and employ more than 700 investment professionals. (As at 31 Dec 2021)

                                                              Our mission is simple: through tailored solutions and a flexible and advisory approach, we seek to elevate our clients' experience of active asset management – as stated in our brand promise: "Value. Shared."

                                                              Source: Allianz Global Investors as at 31 Dec 2021.

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                                                              Identify Your Investor Type – Before making any investment decisions, you can complete the risk assessment questionnaire and check your risk tolerance level, according to your retirement goal, income, age and risk appetite.

                                                              "BCT iPortfolio" Provides You with Investment Reference – Upon completing the risk assessment questionnaire, “BCT iPortfolio” will show model portfolios suited to investors of different risk levels, to help you make informed investment decisions.

                                                              Review Portfolio Regularly – Do the risk assessment questionnaire every year, or when you move to a different life stage, and adjust asset allocation as necessary. If you are a BCT member, you can log into your account and save the assessment result. The system will remind you to do the assessment every year automatically. This makes portfolio review and asset allocation more flexible and easier.

                                                              What type of investor are you?
                                                              Any investment involves risk and different investors are able to take on different amounts. Depending on your retirement goals, income, age and investing aggressiveness, you’ll fall into one of the following categories. Choose from the best option below
                                                              Assets and Liabilities
                                                              Net Asset
                                                              (Total asset - Total liability (including mortgage))
                                                              Negative HK$0 to 1 mn More than HK$1 mn to 3 mn More than HK$3 mn to 5 mn More than HK$5 mn to 10 mn More than HK $10 mn
                                                              Saving Ratio
                                                              (Saving amount / Monthly income)
                                                              0% > 0% - 5% > 5% - 10% > 10% - 15% > 15% - 20% > 20%
                                                              Investment Objective
                                                              Investment Experience
                                                              Risk Profiling Questionnaire
                                                              Your Risk Level is
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                                                              Please login to the Member Web / Mobile App immediately to save your current risk assessment result.

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