The Bank of East Asia

Wealth Management

Monthly Investment Plan

Why Monthly Investment Plan?

1.Dollar cost averaging helps you lower your investment costs

With a fixed monthly investment amount for the Monthly Investment Plan, the average cost per unit price will be lower since you may buy more units when unit price is low, and buy fewer units when unit price is high. If you invest in a monthly fixed amount persistently, your average unit cost will be lower when compared with the same total investment amount with lump sum subscription.

In addition, with dollar cost averaging effect, you can minimise the risk of substantial loss when the market goes downward since the average unit cost is lower than if you subscribe in lump sum.

Here is an illustration to explain how dollar cost averaging works:

Subscription Date

Subscription Amount (HKD)

Fund Unit Price (HKD)

Unit purchased

8th June, 2016




8th July, 2016




8th August, 2016




8th September, 2016




8th October, 2016




Average Fund Price


Average cost to acquire the units


2.Build your investment portfolio with a relatively small amount of capital

You may diversify your investment into several funds with a relatively small amount of capital and build an investment portfolio that fits your investment appetite and objectives. With a balanced and diversified portfolio, you can enjoy a more sustained potential return in the long-run.

3.Start at an early stage and watch your wealth grow

With the compound growth effect, you will be surprised by the power of wealth accumulation if you start investing at an early age. The table below demonstrates why you should start planning to make regular investments as early as possible:

No. of Years

Total Contribution Amount (HKD)

Total Return in HKD (Include contribution)

Net Return in HKD (exclude contribution)

Return Rate





















BEA Monthly Investment Plan with Flexible Options and Charges

BEA offers flexible investment choices: lump sum and monthly savings plans. The investment amount can be as low as HKD1,000* for lump sum investments. You may also choose to start investing at a more moderate pace with monthly instalments of only HKD100* per fund.

In addition, BEA also gives you the choice of front-end loaded funds or back-end loaded funds to suit your investment needs#.

* Applies to specific funds only and may be changed without prior notice.
# Depending upon availability.

Important Notice:

Investment involves risks. The price of units may go down as well as up as the investments of a fund are subject to the market fluctuations and the risks inherent in investments. Past performance is not indicative of future performance. Investors should not make an investment decision based solely on this material.

Investment in emerging markets involves above average investment risks, for instance, possible fluctuations in foreign exchange rates, political and economic uncertainties. It is possible that investors may lose some or the entire amount they have invested in the funds.

Before making any investment, investors should refer to all relevant investment funds’ offering documents, including but not limited to the Explanatory Memorandum, for detailed information including the risk factors.

The investment decision is yours but you should not invest in the investment funds unless the intermediary who sells it to you has explained to you that the investment funds are suitable for you having regard to your financial situation, investment experience and investment objectives.

The funds may not be available in all jurisdictions and may be subject to restrictions. If investors are in doubt, independent professional advice should be sought. This material has not been reviewed by the Securities and Futures Commission in Hong Kong.

Renminbi ("RMB") Currency risk: The value of the RMB fluctuates against other currencies and will be affected by amongst other things, control measures taken by the government of the People's Republic of China (“PRC”). (For example. the PRC government regulates conversion between the RMB and foreign currencies both in Hong Kong and China.) As a result, returns on a RMB fund may be adversely affected if said fund is converted to another currency. Furthermore, the RMB is not freely convertible at present, and conversion of the RMB through banks in Hong Kong is subject to certain restrictions.

The Bank of East Asia, Limited (BEA) is an agent of the third party fund house and the fund is a product of the third party fund house but not BEA.

For distribution of funds – In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between BEA and the customer out of the selling process or processing of the related transaction, BEA is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the product should be resolved between directly the third party fund house and the customer.

Issuer of this material: The Bank of East Asia, Limited