Investment Linked Insurance Products- Fund Risk Rating Revision 2014 Risk Rating Changes (updated on 3 Oct 2014) Please find the below list of funds with risk rating changes in 2014 for your easy reference. LIFEINVEST PROTECTION PLUS/ RETIREINVEST PROTECTION PLUS/ SAVINGS PROTECTION PLUS/ SUPER LIFE Risk Rating as at 7 Apr 2014 Risk Rating as at 3 Oct 2014 4 3 Risk Rating as at 7 Apr 2014 Risk Rating as at 3 Oct 2014 5 4 4 3 Risk Rating as at 7 Apr 2014 Risk Rating as at 3 Oct 2014 HSBC GIF - Global Emerging Markets Equity (USD) 5 4 HSBC GIF - Latin American Equity (USD) 5 4 BlackRock Global Government Bond Fund (USD) 2 3 Fidelity Funds – Thailand Fund (USD) *** 5 4 Franklin Global Growth and Value Fund (USD) *** 4 3 Invesco Korean Equity Fund (USD) *** 5 4 PIMCO Global Bond Fund (USD) 3 2 Templeton Asian Bond Fund (USD) 4 3 HSBC GIF - Chinese Equity (HKD) 5 4 HSBC GIF - Latin American Equity (HKD) 5 4 BlackRock Global Funds - Latin American Fund (HKD) 5 4 Invesco Korean Equity Fund (HKD) *** 5 4 Templeton Global Fund (HKD) *** 4 3 High Growth Fund LIFEINVEST PROTECTION PLAN (10 YEARS MAXIMISER) HSBC GlF Korean Equity Fund Templeton Asian Bond Fund WEALTHINVEST INSURANCE PLAN *** Effective from 20 January 2014, Fidelity Funds - Thailand Fund (USD), Fidelity Funds - US Dollar Bond Fund (USD), Fidelity Funds - US Dollar Bond Fund (HKD), Franklin Templeton Global Growth and Value Fund (USD), Invesco Korean Equity Fund (USD), Invesco Korean Equity Fund (HKD), Schroder ISF Emerging Asia (USD), Schroder ISF Emerging Asia (HKD), Schroder ISF Global Emerging Market Opportunities (USD), Schroder ISF Global Emerging Market Opportunities (HKD), Schroder ISF Hong Kong Dollar Bond (HKD), Templeton Global Fund (USD) and Templeton Global Fund (HKD) are closed for subscription including switch-in and premium allocation, however, switch-out is allowed. Risk Rating as at 7 Apr 2014 Risk Rating as at 3 Oct 2014 HSBC GIF - Global Emerging Markets Equity (USD) 5 4 HSBC GIF - Latin American Equity (USD) 5 4 BlackRock Global Government Bond Fund (USD) 2 3 Fidelity Funds – Thailand Fund (USD) * 5 4 Franklin Global Growth and Value Fund (USD) * 4 3 Invesco Korean Equity Fund (USD) * 5 4 PIMCO Global Bond Fund (USD) 3 2 Templeton Asian Bond Fund (USD) 4 3 HSBC GIF - Chinese Equity (HKD) 5 4 HSBC GIF - Latin American Equity (HKD) 5 4 BlackRock Global Funds - Latin American Fund (HKD) 5 4 Invesco Korean Equity Fund (HKD) * 5 4 Templeton Global Fund (HKD) * 4 3 WEALTHINVEST LIFE PLAN * Effective from 20 January 2014, Fidelity Funds - Thailand Fund (USD), Fidelity Funds - US Dollar Bond Fund (USD), Fidelity Funds - US Dollar Bond Fund (HKD), Franklin Templeton Global Growth and Value Fund (USD), Invesco Korean Equity Fund (USD), Invesco Korean Equity Fund (HKD), Schroder ISF Emerging Asia (USD), Schroder ISF Emerging Asia (HKD), Schroder ISF Global Emerging Market Opportunities (USD), Schroder ISF Global Emerging Market Opportunities (HKD), Schroder ISF Hong Kong Dollar Bond (HKD), Templeton Global Fund (USD) and Templeton Global Fund (HKD) are closed for subscription including switch-in and premium allocation, however, switch-out is allowed. Investment Linked Insurance Products- Fund Risk Rating Revision 2014 Risk Rating Changes (updated on 3 Oct 2014) Risk rating The risk rating is determined according to the historical volatility of the fund or, where appropriate, the historical volatility of a comparable market index or comparable fund 1. Low Risk Minimal chance of losing a significant portion of your capital over the term of the investment (although this is not guaranteed). Expected to demonstrate minimal price fluctuations over short periods of time. 2. Low to Medium Risk 3. Medium Risk 4. Medium to High Risk 5. High Risk Low chance of losing a significant portion of your capital over the term of the investment (although this is not guaranteed). Expected to demonstrate moderately low level of price fluctuations over short periods of time. Moderate chance of losing a significant portion of your capital over the term of the investment (although this is not guaranteed). Expected to demonstrate moderate level of price fluctuations over short periods of time. Moderately high chance of losing a significant portion of your capital over the term of the investment. Expected to demonstrate moderately high level of price fluctuations over short periods of time. High chance of losing a significant portion of your capital over the term of the investment. Expected to demonstrate high level of price fluctuations over short periods of time.
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