ORSO overview

Sun Life Rainbow ORSO Scheme
 

• The Sun Life Rainbow ORSO Scheme (the “Plan”) is a pooled retirement scheme in the form of a trust.
• Investment involves risks and not all investment choices available under the Plan are suitable for everyone. Some may be of high investment risk. 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 financial and/or professional advice and choose the fund(s) most suitable for you, taking into account your circumstances.
• You should not invest based on the information provided by this website alone and you should read the Principal Brochure of the Plan (“Principal Brochure) carefully for further details including risk factors. 
   

Sun Life Multi-Funding Provident Plan
 

• Sun Life Multi-Funding Provident Plan (the “Plan”) is a pooled retirement scheme established by an insurance policy issued by Sun Life Hong Kong Limited (“Sun Life”).
• The guarantee of the Sun Life Capital Guarantee Fund is provided by Sun Life. Your investments in Sun Life Capital Guarantee Fund are therefore subject to the credit risks of Sun Life. The guarantee is subject to qualifying conditions as set out in Appendix 1 to this Explanatory Memorandum in respect of the Sun Life Capital Guarantee Fund.
• Each of the Managed Funds of the Plan will invest in the corresponding Underlying Funds. Such Underlying Funds may invest in equities, debt securities and/or financial derivative instruments, as the case may be, each with a different risk profile.
• Underlying Funds which invest in emerging markets may be subject to higher liquidity and volatility risks. Underlying Funds which invest in a particular market or sector may be subject to a higher concentration risk than funds with a more diversified investment policy. 
• Underlying Funds which invest in debt securities that are low-rated or non-investment grade debt securities may be subject to higher credit and counterparty risks than funds which invest in debt securities with higher credit ratings.
• Underlying Funds which invest substantially in financial derivative instruments may be subject to significant liquidity and counterparty default risks and therefore may expose the Underlying Funds to the potential for significant losses.
• The Plan is constituted in the form of an insurance policy. While the benefit payments under the Plan are calculated with reference to the performance of the Investment Options, you are not investing in the underlying investment funds / assets and do not have any rights or ownership over the underlying investment funds / assets. Such underlying investment funds / assets are legally owned by Sun Life. You only have a contractual right to claim the amount representing the benefits under the Plan from Sun Life. Your investment in the Plan is therefore subject to the credit risks of Sun Life.
• You should not invest based on the information shown on this website alone, you should consider your own risk tolerance level and financial circumstances before making any investment choices. If you are in doubt as to whether a Managed Fund is suitable for you (including whether it is consistent with your investment objectives), you should seek independent financial and/or professional advice.
• You should read the Explanatory Memorandum of the Plan for further details including product features, fees and charges and risk factors (set out in section 3 headed “INVESTMENT RISKS AND RISK FACTORS”).
   

Sun Life Capital Guarantee Plan
 

• Sun Life Capital Guarantee Plan (the “Plan”) is a pooled retirement scheme established by an insurance policy issued by Sun Life Hong Kong limited (“Sun Life”)
• The guarantee of the Capital Guarantee Fund is provided by Sun Life. Your investments in the Capital Guarantee Fund are therefore subject to the credit risks of Sun Life. The guarantee will lapse after ten years from the Commencement Date of the relevant Plan. The guarantee is subject to qualifying conditions as set out in Appendix 1 to this Explanatory Memorandum in respect of the Capital Guarantee Fund.
• The Plan is constituted in the form of an insurance policy. While the benefit payments under the Plan are calculated with reference to the performance of the Capital Guarantee Fund, you are not investing in the Capital Guarantee Fund and do not have any rights or ownership over the Capital Guarantee Fund or its underlying assets. The Capital Guarantee Fund and its underlying assets are legally and beneficially owned by Sun Life. You only have a contractual right to claim the amount representing the benefits under the Plan from Sun Life. Your investment in the Plan is therefore subject to the credit risks of Sun Life.
• You should not invest based on the information shown on this website alone, you should consider your own risk tolerance level and financial circumstances before making any investment choices. If you are in doubt as to whether the Capital Guarantee Fund is suitable for you (including whether it is consistent with your investment objectives), you should seek independent financial and/or professional advice.
• You should read the Explanatory Memorandum of the Plan for further details including product features, fees and charges and risk factors (set out in section 3 headed “RISK FACTORS”).
• The declared return from the Capital Guarantee Fund will be credited to the Capital Guarantee (CG) Account on each Review Date or the date of termination of the Plan, whichever is earlier.