Site Policies

Legal Information / Notice

This website is intended for Hong Kong residents only.

The information in this website is issued by Invesco Hong Kong Limited (景順投資管理有限公司). This website has not been reviewed by the Securities and Futures Commission of Hong Kong.

The entire content of the site is subject to copyright with all rights reserved.

You may download or print individual sections of the site for personal use and information only provided you retain all copyright and other proprietary notices. You may not reproduce (in whole or in part), transmit (by electronic means or otherwise), modify, link into or use for any public or commercial purpose the site without the prior written permission of Invesco Hong Kong Limited.

You must not transmit any virus, 'worm', 'Trojan horse', or other items of a destructive nature to this site and it is your responsibility to ensure that whatever you download or select for your use from the site is free from such items.

Moreover, Invesco Hong Kong Limited and its affiliates cannot be held liable for (i) the spreading of any viruses, technical errors, connection interruptions, or (ii) fraudulent acts by third parties, suffered by you while accessing this website.

This site is established in Hong Kong in accordance with, and shall be governed by, the laws of Hong Kong. Your browsing and use of the site shall be deemed acceptance of these Laws. A condition of using the site is that in the event of any disputes or proceedings you irrevocably submit to the exclusive jurisdiction of Hong Kong courts and waive any objection to the proceedings in such courts on the grounds of venue or on the grounds that the proceedings have been brought in an inconvenient forum.

You consent to comply with the above terms with each site visit.

In case of discrepancies between the English and Chinese language versions of the Site Policies and the content of this website, the English version shall prevail.

Disclaimer of warranty and limitation of liability

This website is intended for Hong Kong residents only.

The information contained in this website is published in good faith. No representation or warranty, expressed or implied, is made by Invesco Hong Kong Limited or by any person as to its accuracy, validity or completeness and it should not be relied on as such.  Invesco Hong Kong Limited, its affiliates or any directors or employees of Invesco Hong Kong Limited or its affiliates shall not be liable for (whether in tort or contract or otherwise) any damages arising from any person's reliance on the information in this website and shall not be liable for any errors or omissions (including but not limited to errors or omissions made by third party sources) in such information.  The information provided herein is subject to change without further notice.

Invesco Hong Kong Limited and its affiliates shall have no liability, for any loss or damage arising out of the use or reliance on the information provided in this website including without limitation, any loss of profit or any other damage, direct or consequential. No information on this site constitutes investment, tax, legal or any other advice.

Where a claim is brought against Invesco Hong Kong Limited and/or its affiliates by a third party in relation to your use of this website, you hereby agree to fully reimburse Invesco Hong Kong Limited and/or its affiliates (as the case may be) for all losses, costs, actions, proceedings, claims, damages, expenses (including reasonable legal costs and expenses), or liabilities, whatsoever suffered or incurred directly by Invesco Hong Kong Limited and/or its affiliates (as the case may be) as a consequence of improper use of this website.  Neither party should be liable to the other for any loss or damage which may be suffered by the other party due to any cause beyond the first party's reasonable control including and without limitation to any power failure.

In case of discrepancies between the information given on this website and the text of the offering document of the investment products contained in this website, the relevant offering document shall prevail.

Privacy Policy

This website is intended for Hong Kong residents only.

We are fully committed to complying with the requirements of the Personal Data (Privacy) Ordinance (‘the Ordinance’). In doing so, we instruct our staff to comply with strict internal standards of security and confidentiality and adopt protective measures such as restricting access of personal data to relevant employees on a “need-to-know” basis, and we apply encryption to personal data when necessary.  The following Privacy Statement is provided to you pursuant to the Ordinance in connection with your provision of personal data to Invesco Hong Kong Limited (“we” or “us”) through this website.

Information that you provide voluntarily

Some areas of our website allow you to provide to us voluntarily your personal data (e.g. your name, email address as well as personal and business telephone number) if you wish us to provide you with certain information.  You do not have to tell us all the personal data we ask for, but it will help us to contact you quickly to help with your enquiry.  

Apart from using your personal data to contact you to respond to your enquiry, where appropriate and depending on the nature of your relationship with us, we or our affiliates may also use such personal data for client servicing purposes in connection with your existing and proposed investments in our investment funds managed or administered by the Invesco group (“Invesco”) which may include following up on your enquiries, market analysis and the formulation of business strategies and other similar administrative or business purposes.  In doing so your personal data may be accessible to third parties who are engaged to support us in the above matters.   

USE OF PERSONAL DATA IN DIRECT MARKETING - The personal data which you voluntarily provide through this website may be used for direct marketing purposes in connection with our services or investment fund(s) managed or administered by Invesco which may include the provision of offers, promotions and benefits by Invesco companies, through various communication means such as email, telephone and SMS.  However your personal data may not be so used unless your consent (which includes an indication of no objection to the intended use) is received.  Further your personal data may be provided to our affiliates and service providers, all or any of the transferees of a whole or any substantial part of the business of Invesco Hong Kong Limited for use by them in direct marketing.  However, your personal data may not be so provided unless your consent (which includes an indication of no objection to the intended provision) is received.  

In any case, we will not use personal data obtained from you as a member of our MPF scheme in the promotion of non-MPF products or for purposes related to non-MPF products.

We may also use the personal data collected from you through this website for the specific purposes mentioned at the time of collection or for purposes directly related to such specific purposes.  

In fulfilling the purposes for which your personal data is collected, your personal data may be transferred to other Invesco entities or external service providers outside of Hong Kong for processing and/or storage where there may not be in place data protection laws which are substantially similar to, or serve the same purposes as, the Ordinance. That means your personal data may not be protected to the same or similar level in Hong Kong.

Information collected by the website

Please note that when you visit our website we or our third-party service providers may use software tools or 'cookies' to gather information about you (e.g. the IP address of your electronic device, your country, the pages visited, the time at which a visit is made and the browser type) and your browsing activities to:

  • track and record the aggregate number of visitors to the website and the sections of the site visited by visitors using cookies;
  • analyse our website, for example to collect information that will help us understand visitors' browsing habits on our website;
  • compile statistical reports on website activity, e.g. number of visitors and the pages they visit;
  • improve the functionality of our website by temporarily storing any information which you may enter in tools, such as calculators or demonstrations on our website; in some cases, remember information about you when you visit our site. We may need to do this to provide some of our services;  and
  • record your visit to our website, the pages you have visited and the links you have followed. We use this information to make our website more relevant to your interests and identify products or services that may be of interest to you. We may also share this information with third parties for these purposes.

The information collected may be processed by us, our affiliates, agents or any other third parties which provide services to us.  Although we may use software tools to track browsing activities on an aggregated basis in the secured portions of our website, we will not allow any of our third-party service providers to have access to any private content within the secured portions of our website.

Most web browsers are initially set up to accept cookies. You can choose to ‘not accept’ cookies by changing the settings but if you do so you may find that certain features on the website do not work properly.  Please visit our Cookies Policy for further details.  

For information security reasons, we may use the IP address of your electronic device to perform monitoring of unusual IP addresses, so as to detect suspicious activities and reduce security risks associated with the internet.

Except as described above, the information we collect about you will not be disclosed by us to any other party without your prior consent.

Information collected through other websites 

When you click on our posts through other websites, your personal data may be collected by these websites and passed to us, on an aggregated and anonymized basis, and we may share such aggregated and anonymized information with our service providers and advertisers who will assist us in the formulation of marketing strategies.   Our access to aggregated and anonymized data on its own is not subject to the requirements of the Ordinance, and we are not responsible for the collection of personal data by other websites.   

This privacy policy does not cover the links within this site linking to other websites. We encourage you to read the privacy statements on the other websites you visit. If you wish to request access to and correction of your personal data held by these websites, please contact these websites directly.

Retention, Access, Correction, Erasure 

We will only keep your personal data for as long as we are required to do so under applicable law and as otherwise needed to fulfil the purposes set out above.  Your personal data will be kept confidential and we will take all reasonable measures to ensure that your personal data is kept secure against unauthorised access, loss, disclosure and destruction.  

Under the Ordinance, you have the right to:

  1. check whether we hold your personal data; 
  2. request access to and/or correct any data relating to you; 
  3. ascertain our policies and practices in relation to personal data and to be informed of the kinds of personal data held by us; and 
  4. object to the use of your personal data for direct marketing purposes and we shall not use your personal data for direct marketing purposes after you communicate your objection to us. 

In accordance with the terms of the Ordinance, we have the right to charge a reasonable fee for the process of any data request.  In order to deal with any such request, we may require evidence from you that you are the individual in respect of whom the request is made or a person permitted under the Ordinance to make the request on that individual's behalf. 

Invesco will cease to use your personal data for client servicing and direct marketing purposes if you request us to do so and accordingly your personal data will be erased or destroyed.

Please direct your request to the Data Protection Officer whose details are listed below.

Data Protection Officer

c/o Head of Compliance, Hong Kong

Invesco Hong Kong Limited

41/F, Champion Tower

Three Garden Road, Central

Hong Kong

 

Nothing in this statement shall limit your rights under the Ordinance.

Information about users of this website is not sold to third parties.

Invesco will not be responsible for any abuse of publicly available information.

Cookies Policy

When you access our site for the first time, read and accept the site Terms & Conditions, we will place a 'cookie' on your computer. Cookies are a standard mechanism used by many websites to store website related information on their users' computers.

Cookies only contain information relating to the website that created them, and can only return the information to that website. In other words, our site cannot read the information contained in cookies created by anyone else's website on your computer. Similarly, only our site can read the information in cookies that it creates. Cookies cannot be used to get or view data from your hard drive. Cookies cannot contain or deliver viruses.

In order to use our site fully, you must allow your browser to accept cookies. You can do this through the preferences option in your browser's menu bar.

Any cookies created for our site Terms & Conditions page will expire automatically after 30 days. You will be asked to read and reconfirm that you accept the latest Terms & Conditions of the site, when you revisit the site after the cookie expires. If you would like to avoid this, please change your browser settings.

Other cookies will remain on your computer unless you choose to remove them.

We or our third-party service providers use cookies to gather information about you (e.g. the IP address of your electronic device, your country, the pages visited, the time at which a visit is made and the browser type ) and your browsing activities to:

  • track and record the aggregate number of visitors to the website and the sections of the site visited by visitors using cookies;
  • analyse our website, for example to collect information that will help us understand visitors' browsing habits on our website;
  • compile statistical reports on website activity, e.g. number of visitors and the pages they visit;
  • improve the functionality of our website by temporarily storing any information which you may enter in tools, such as calculators or demonstrations on our website; in some cases, remember information about you when you visit our site. We may need to do this to provide some of our services;  and
  • record your visit to our website, the pages you have visited and the links you have followed. We use this information to make our website more relevant to your interests and identify products or services that may be of interest to you. We may also share this information with third parties for these purposes.

The information collected may be processed by us, our affiliates, agents or any other third parties which provide services to us.  Although we may use software tools to track browsing activities on an aggregated basis in the secured portions of our website, we will not allow any of our third-party service providers to have access to any private content within the secured portions of our website. 

Most web browsers are initially set up to accept cookies. You can choose to ‘not accept’ cookies by changing the settings but if you do so you may find that certain features on the website do not work properly.

Some pages of our site may contain links to other websites that may be of value to you. Please note that we do not have any control over the content or privacy practices of these sites. We urge you to review the privacy policy of these sites before providing any personal information.

Further details are set out in the section on Privacy Policy.

Online security

What we do to keep safe online with Invesco

We are continually reviewing and upgrading our security measures so that you can have confidence in our online services. We have invested in a number of measures that help protect you online, for example: secure encryption and validation.

Our website uses encryption technology, indicated by the padlock symbol at the top (or bottom) of your screen when accessing the data on the site.

If you use a web browser such as Microsoft web browsers, Mozilla Firefox, Chrome or Safari, due to the additional certification we have in place, you may also see the address bar turn green to show you are on a genuine, secure site. We recommend that whichever web browser is used, you keep it up-to-date.

Seven tips to help you stay safe online

Whilst we do all we can to make our online service secure, there's also a lot you can do to help protect yourself.

1. Safeguard your PC, mobile device and personal data

Ensuring that your PC is well protected is a critical step in protecting your personal details. Ensure you have a firewall, anti-virus and anti-spyware software installed on your computer and that this is kept up-to-date.

2. Don't write down passwords

Never divulge your username or password to anyone and avoid writing them down. Consider using one of many password vaults available on the Internet to store your passwords, but read reviews and get recommendations first.

3. Change your password regularly

Regularly changing your password can be one of the best defences against someone else accessing your account. Use a different password for every online account.

4. Treat emails with caution

Never respond to unsolicited emails requesting your security details. We will never ask for your security details via email. See "How to spot suspicious emails".

5. Don't send your personal information by email

Email is inherently not a secure method of communication. You should never send any personal or account information this way.

6. Use secure networks

If you connect to the Internet via a wireless network make sure it's a secured Wi-Fi network (tip - look out for the padlock icon in your browser). If you use a Wi-Fi network that is not secure, be careful about accessing websites that require you to log in with your personal details, or viewing any sites that may show your personal information. No matter how good your anti-virus software and other methods of protection are, if the network is not secure it is open to others to access too. It is therefore possible for your information to be fraudulently obtained.

7. Keep up-to-date

Checking this site and others, regularly, will help keep you up-to-date with online security and financial crime related matters. See Where to get more online security information and guidance

 

How to spot suspicious emails

No reputable company will ever ask you to confirm personal or account details (such as passwords) by sending you an email. If you ever receive an email, appearing to be from Invesco, asking you to do so, please contact us immediately.

It can be incredibly difficult to spot a fraudulent email. If you are ever in any doubt as to the authenticity of an email from Invesco, please call us at (852) 3191 8282 first, before clicking on any links in the email.

 

Common identifiers of suspicious emails

Phishing emails

Phishing emails will copy logos and styles in an attempt to appear genuine. The message may urge you to click on a link within the email which will then direct you to a 'spoof' website that looks like a genuine web page. The website may ask you to enter security details such as account numbers, usernames and passwords. By doing so you may give the fraudsters access to your accounts. If you log in to a website that doesn't have a padlock symbol in the address bar of the internet browser to identify if the website is real be suspicious.

False sense of urgency

Most phishing emails try to deceive you with the threat that your account will be closed or somehow incapacitated if it's not updated right away. An email that urgently requests you to supply sensitive personal information may be fraudulent. Don't be pressurized. If you are unsure make enquiries before taking any action.

Fake links

Many phishing emails include website links that look authentic but instead direct you to a fraudulent website that may or may not have a website address different from the link originally displayed. Always check where a link is going before you click by moving your mouse over the link in the email. Beware if this is different from what is displayed in the text of the link in the email. If it looks suspicious, don't click it.

Attachments

Similar to fake links, attachments can be used in phishing emails and are dangerous. Never click on an attachment from an unknown source. It could cause you to download spyware or a virus. Invesco will never email you an unsolicited attachment or a software update to install on your computer.

 

Invesco's email policy

Exchanging information via email is not a secure method of communication. For this reason, Invesco will apply proper protection mechanism in our email, so as to protect any account specific or personal data in our emails to you. And we won't act upon instructions, received by email, to change your personal details. Forms for changing details on your account can be found on our website; For mutual funds, go to Forms & Procedures. For pension funds, go to Forms & Updates. Alternatively, you can call us on (852) 3191 8282 and we'll send the forms out to you.

Be suspicious if you receive an email asking you to click on a link to update your details. Do not click on the link.

Invesco will never ask you to send any account specific information by email. If you are in any doubt as to whether the email is from Invesco, please call us on (852) 3191 8282.

 

Where to get more online security information and guidance

More help and support on cybersecurity and technology crime issues can be found on the following, external websites.

 

Online Security Guidance

The Cyber Security Information Portal (CSIP)

CSIP  is a unique resource providing practical advice and step-by-step guidelines for general users, small and medium enterprises (SMEs), and schools to conduct health check on computers, mobile devices and websites as well as to learn tips and technique to guard against cyber-attacks. CSIP also keeps you up to date with highlights of public events, expert advices and stories contributed by professional organisations.

https://www.cybersecurity.hk

 

InfoSec Website

InfoSec Website is established to serve as an one-stop portal for the general public to effectively access information and resources on information security as well as measures and best practices for prevention of cybercrimes. In InfoSec website, you will find useful information and resources on information security, such as the latest security news and events, information security technical papers and reports, recent phishing attacks, the latest virus alerts and other related information.

https://www.infosec.gov.hk

 

Technology Crime

The Hong Kong Police Force, Cyber Security and Technology Crime Bureau (CSTCB) –is responsible for handling cyber security issues and carrying out technology crime investigations, computer forensic examinations and prevention of technology crime. The CSTCB web page can help you learn more about information on technology crime. It is where you should report fraud if you have been scammed, defrauded or experienced cyber-crime.

https://www.police.gov.hk/ppp_en/04_crime_matters/tcd/index.html

Important Information

This website is intended for Hong Kong residents only.  Non-Hong Kong residents are responsible for observing all applicable laws and regulations of their relevant jurisdictions before accessing the information contained herein.  While this website provides information on Invesco products, such information should not be regarded as an offer or a solicitation of any offer to buy or sell any of such investments.

  • This website contains information about investment funds which invest in equities, bonds, money market securities and/or other instruments, each with its specific investment policy, features and different risk profiles.  The fund(s) may not be suitable for all investors.
  • Some funds may invest in equities, investors should note the equities risk. 
  • Some funds may invest in bonds or other fixed income securities which are subject to (a) interest rate risk (b) credit risk (including default risk, downgrading risk and liquidity risk) and (c) risks relating to non-investment grade bonds and/or unrated bonds and/or high yield bonds.
  • Some funds may invest primarily in emerging markets, smaller companies, a single country/region and/or industry sector, the investment focus of such funds might give rise to increased risk over more diversified funds. Funds investing in Europe are subject to the risk of Eurozone crisis. 
  • Some funds may use financial derivative instruments (FDI) extensively for hedging and efficient portfolio management purposes but will not use FDI extensively for investment purposes.  Some funds may use FDI as part of the principal investment policies and strategies. The funds' use of derivatives may become ineffective and they may suffer significant losses. The use of FDI also involves special risks including but not limited to liquidity, volatility, leverage and counterparty risks. 
  • Some funds may invest in China A shares which involve certain risks (such as greater political, tax, economic, foreign exchange, liquidity, redemption limit and regulatory risks) that are not typically associated with investment in more developed markets. In addition, investors should be aware of the Renminbi (‘RMB’) currency risk as RMB is not freely convertible. In addition to the above, for funds which are launched in Hong Kong via the Mainland-Hong Kong Mutual Recognition of Funds (‘MRF’) arrangement, investors should also be aware of the risk associated with the MRF scheme, Mainland equity risks and Mainland debt securities risks.
  • Some funds may invest in Indian domestic debt securities which involve risks relating to Foreign Institutional Investors (FII)/ Foreign Portfolio Investors (FPI) Registration, FPI Indian Investment Limits, India tax risks and risk of investing in Indian sovereign debt securities. In addition, investors should also be aware of the exchange control risk of the Indian Rupee.
  • For certain share class(es), the funds may at its discretion pay dividends out of the capital or pay dividends out of gross income while charging the fees and expenses out of the capital to increase the distributable income for the payment of dividends (i.e. effectively pay dividend out of capital). Payment of dividends out of capital amounts to a return or withdrawal of part of an investor’s original investment or from any capital gains attributable to that original investment. Such distributions may result in an immediate reduction in the net asset value per share. 
  • In addition, investors of the Monthly Distribution-1 share class (MD-1) should note that (a) MD-1 may continue to distribute in periods in which the funds have negative returns or is making losses, which further reduces the net asset value of the relevant MD-1; (b) Investors are subject to exchange rate fluctuations subsequent to the determination of the stable distribution rate; (c) Investments in MD-1 are not an alternative to a savings account or fixed-interest paying investment; and (d) For MD-1 that is currency hedged, investors may forego capital gains arising from the interest rate differential associated with currency hedging in favor of income distributions. The uncertainty and changes of relative interest rates may also adversely impact the return of the hedged unit classes. Investors should also note that for the MD-1 share classes of Invesco Funds, the distribution rate will be determined at the discretion of the funds, dividend payment and dividend rate are not guaranteed.
  • If investors invest in share classes denominated/dealt in a different currency than the base currency, due to fluctuations in currency markets, returns to investors, when converted back into the currency in which the investor subscribes and redeems, may be different to the return calculated by reference to the base currency. For hedged unit classes, investor should note the exchange rate risk and that the hedging strategy may reduce the benefit to investors in the hedged unit classes.
  • The value of the funds can be volatile and could go down substantially.
  • Investment involves risks.  Past performance is not indicative of future returns. Investors should not base their investment decision on this website alone and must refer to the Hong Kong offering documents of the funds (in the case of pension funds, the relevant MPF scheme brochure/prospectus) for further details (including risk factors) prior to investing.  Investors are advised to obtain independent professional advice where appropriate.

Invesco Strategic MPF Scheme

  • Invesco Strategic MPF Scheme (the "Master Trust") currently offers the Default Investment Strategy and 12 Constituent Funds, comprising the following fund types: equity fund (including index- tracking fund), bond fund, money market fund, guaranteed fund and mixed asset fund.
  • The Guaranteed Fund of the Master Trust invests solely in an insurance policy issued by Principal Insurance Company (Hong Kong) Limited, which is also the guarantor (the "Guarantor"). Your investments in the Guaranteed Fund are therefore subject to the credit risk of the Guarantor. The Guarantor of the Guaranteed Fund will provide a guarantee of capital and a prescribed guaranteed rate of return only (i) if a qualifying event occurs and the Guarantor receives a valid claim or (ii) in other situations (as described in the appendix to the MPF scheme brochure/ Prospectus). You should read the MPF scheme brochure/ Prospectus carefully before investing in the Guaranteed Fund. Please refer to the risk factors section and the appendix of the MPF scheme brochure/ Prospectus for details of the credit risk, guarantee features and guarantee conditions.
  • The MPF Conservative Fund of the Master Trust does not guarantee the repayment of capital.
  • Fees and charges of an MPF Conservative Fund can be deducted from either (i) the assets of the fund or (ii) member's account by way of unit deduction. The MPF Conservative Fund of the Master Trust uses method (i) and, therefore, unit prices/NAV/fund performance quoted have incorporated the impact of fees and charges.
  • You should consider your own risk tolerance level and financial circumstances before taking any investment choices or invest according to the Default Investment Strategy. When, in your selection of funds and/or the Default Investment Strategy, you are in doubt as to whether a certain fund and/or the Default Investment Strategy is suitable for you (including whether it is consistent with your investment objectives), you should seek financial and/or professional advice and make investment choice(s) most suitable for you taking into account your circumstances.
  • In the event that you do not make any investment choices, your contributions made and/or accrued benefits transferred into the Master Trust will automatically be invested in accordance with the Default Investment Strategy, which may not necessarily be suitable for you. Please refer to the section headed "Default Investment Strategy" for further information.

 

Invesco Select Retirement Fund

  • Invesco Select Retirement Fund currently offers 7 sub-funds which consists of equity fund, mixed asset funds, bond fund and money market funds.
  •  Investors should take note of risk relating to the specific nature of a fund of funds and investment risk.
  •  Some funds may invest in equities, investors should note the equities risk. 
  •  Some funds may invest in bonds or other debt securities which are subject to credit risk and interest rate risk.
  •  Some funds may invest on an international basis and are subject to risk with international investing.

The value of the funds can be volatile and could go down substantially. Investment involves risks.  Past performance is not indicative of future returns. You should not invest solely based on the information provided in this website and should read the relevant MPF scheme brochure/ prospectus for details, including the risk factors and product features.  

The information contained in this website is obtained and / or compiled from sources believed to be reliable and current.  However, Invesco cannot and does not warrant, guarantee or represent, either expressly or implicitly, the accuracy, validity or completeness of such information.  Invesco or its affiliates or any directors or employees of Invesco or its affiliates shall not be liable for (whether in tort or contract or otherwise) any damages arising from any person's reliance on this information and shall not be liable for any errors or omissions (including but not limited to errors or omissions made by third party sources) in this information.  The information provided herein is subject to change without further notice.

By using this website you agree to be bound by all the Site Policies, including Legal Information/Notice, Disclaimer of Warranty and Limitation of Liability, Privacy Policy, Online Security and Cookies Policy.

The website has not been reviewed by the Securities and Futures Commission. Issued by Invesco Hong Kong Limited (景順投資管理有限公司)