Unit Trust Monthly Investment Plan is best suited to investors seeking to build an investment portfolio through regular monthly contributions. You can choose from a diversified range of unit trusts from HSBC or other prudently chosen fund houses to suit your investment needs.

	How does it work?
	The Plan frees you from having to decide the right time to invest your savings. With a regular savings and investment programme, you can invest as little as HK$1,000 per month no matter what the unit price is. You also benefit from dollar cost averaging, which means you keep buying into the fund at the price for that month and if the price is high you buy fewer units, while if the price falls, you buy more units. Dollar cost averaging smoothes out the peaks and troughs, reducing your exposure to market volatility.
	Different fund types to suit your investment needs
	Here are some general observations to help you choose the appropriate funds:
		Equity funds produce the greatest long-term investment returns, followed by bond funds. However, equity funds are normally more volatile than bond funds
		Regional equity funds can be less risky than single-market equity funds, and their volatility is also lower
		The longer the investment time horizon, the more risk your can tolerate
		Bond funds may be suitable for investors who are looking for steady income from their investments
	Flexible plan and discount
	You may flexibly increase your investment with irregular lump sum contributions, redirect your fund allocations, redeem your units or change the debit date any time, all free of charge. After having made 12 monthly contributions amounting to a minimum total of HK$65,000, you can also earn a 1% discount on the initial fee for all future monthly contributions.
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Note: Investment involves risks. Past performance is no guide to future performance. Investors should refer to the offering documents for further fund details and the risks involved.