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Cost estimator of treating major illnesses
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MPF Navigator - the MPF investment tool
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Sun Life Hong Kong would like to alert members of the public to suspicious bogus SMSs currently circulating. We wish to reiterate that these messages have no connection with our company.
Sun Life Hong Kong only send SMS to Hong Kong mobile number using a Registered SMS Sender ID that starts with "#Sunlife". Sun Life will not request personal or sensitive information via SMS. If you receive any suspicious SMS or embedded links claiming to be from us that appear suspicious, please do not respond, click on any hyperlinks, or disclose any personal information.
If you have any concerns or are in doubt, please contact Sun Life’s Customer Services Hotline (852) 2103 8928 or send email to hk_csd@sunlife.com.
Key Scheme Information Document For Sun Life Rainbow MPF Scheme
Trustee: Sun Life Trustee Company Limited
MPF scheme provider: Sun Life Hong Kong Limited
Scheme financial year end: 31 December
Number of constituent funds: 19
This Key Scheme Information Document (KSID) webpage provides you with key information about Sun Life Rainbow MPF Scheme (the “Scheme”), which forms part of the offering document. You should not make investment decisions based solely on this KSID. For details of the Scheme, please refer to the MPF Scheme Brochure and the trust deed of the Scheme (the “Trust Deed”).
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Important Notes:
- Sun Life Rainbow MPF Scheme (the “Scheme”) is a mandatory provident fund scheme.
- Investment involves risks and not all investment choices available under the Scheme would be suitable for everyone. There is no assurance on investment returns and your investments/accrued benefits may suffer significant loss.
- You should consider your own risk tolerance level and financial circumstances before making any investment choices. When, in your selection of funds, you are in doubt as to whether a certain fund is suitable for you (including whether it is consistent with your investment objectives), you should seek independent financial and/or professional advice and choose the fund(s) most suitable for you taking into account your circumstances.
- Members reaching 65th birthday or early retiring on reaching age 60 may apply (in such form and on such conditions as the Trustee may from time to time determine but subject to the Mandatory Provident Fund Schemes Ordinance and the Mandatory Provident Fund Schemes (General) Regulation (the “MPFS Regulation”)) for payment of the MPF Benefits and/or TVC benefits in instalments. Please refer to section 6.1.12 “Withdrawal of Benefits” of the MPF Scheme Brochure for further details.
- The Sun Life MPF Income Fund does not guarantee distribution of dividend, capital or investment return, the frequency of distribution, or the dividend amount/yield. Dividends may be paid out of the realized capital gains, capital and/or gross income while charging/paying all or part of the fees, charges and expenses to/out of the capital, resulting in an increase in distributable income available for dividend distribution, and therefore, Sun Life MPF Income Fund may effectively pay dividend out of capital. Payment of dividends out of capital and/or effectively out of capital amounts to a withdrawal of part of the original investment or from any capital gains attributable to that original investment. Distribution of dividends will result in an immediate decrease or adjustment in the net asset value per unit of the Sun Life MPF Income Fund.
- Members should note that the regular and frequent distribution of dividends and reinvestment of such dividends into the Sun Life MPF Income Fund (for members below age 60) or the Sun Life MPF Conservative Fund (for members aged 60 or above) will inevitably involve an investment time-lag during which dividends are not reinvested. The dividends are hence subject to out-of-market risk on a recurring (monthly) basis. The return of the Sun Life MPF Income Fund (for members below age 60) or the Sun Life MPF Conservative Fund (for members aged 60 or above) may be impacted negatively or positively due to the dividend distribution arrangement, as its net asset value per unit may have increased or decreased at the time when dividends are reinvested. Therefore such return may deviate from that of a constituent fund with similar investment portfolio without such dividend distribution arrangement and may not always be advantageous to these members.
- Your investment decision should not be based on this material alone.
- You are advised to read the MPF Scheme Brochure and the relevant marketing materials of the Scheme for further details and risk factors prior to making any investment decision.