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Home > Corporate Banking > Trust and MPF Services > MPF Services > BEA (MPF) Personal Contribution Account (PCA) > Why Choose PCA?

Why Choose PCA?

Benefits of Dollar Cost Averaging
Through regular monthly contributions, you can benefit from the "Dollar - Cost Averaging" principle. Buy more units when market prices go down and buy fewer units when market prices are high. In the long run, you may benefit from a lower average cost for the same number of units. As a result, you can worry less about market volatility.

Low Investment Amount
PCA has no initial contribution requirement. You can work towards your financial goals by just investing as little as HKD100 per month or making a lump sum contribution (minimum HKD500) at anytime.

Flexible Management
Fund allocation and switching are available at anytime. You can also redeem part or all fund units in your portfolio without any handling charges.

Convenient Payment Methods
With PCA, you can make contributions without going through your employer. You can make direct debit payments from your BEA bank account, pay by cheque at any BEA branch or through Cyberbanking.

Privileged Offer
In addition to a wide range of special banking services, you will also receive special coupons regularly upon joining the scheme that can be redeemed at prestigious restaurants and retail outlets for privileged customer discounts.