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Sun Life Capital Guarantee Plan

Sun Life Capital Guarantee Fund’s (“the Fund”) investment objective is to preserve the capital of the assets and to seek a stable return to the fund investors so as to enable Sun Life to provide guarantee specified at the “Guarantee Feature” below. The Fund will invest not less than two-thirds of the sums in high quality worldwide fixed-income securities (quoted or unquoted) with credit ratings issued by Standard and Poor’s or Moody’s or any other equivalent reputable rating agency of “A” or above. The balance of the sums held in the Fund may be invested in worldwide blue-chip securities and other assets either through direct investment or through collective investment schemes which may or may not be authorized by the Securities and Futures Commission of Hong Kong (“SFC”).

The Fund is a notional account maintained by Sun Life for the purposes of determining the benefits to be provided to members of the Plan pursuant to the Plan, whereby, subject to the guarantee further detailed below, the rate of return will be determined entirely at Sun Life's discretion. The Plan is an insurance policy issued by Sun Life that guarantees the declared rate of return and the interim declared rate of return every year during the period of ten years from the commencement date of the Plan shall not be less than 0% per annum on the total contributions made to the Fund, less any withdrawals and other applicable charges and fees. After ten years from the commencement date of the Plan, unless Sun Life decides otherwise, the guarantee will lapse. The annual declared rate will be announced on or around 31 December each year. The employer and employee contributions must be retained in the Fund until the end of the immediate preceding fiscal year ended on 30 September to be entitled to the annual declared rate of return on the entitlement subject to the applicable rules of the Plan; otherwise, the interim declared rate of return shall be applied for determining investment return on the entitlement and credited to the member's capital guarantee account. Such guarantee shall remain unchanged until the expiry of such period of ten years from the commencement date or the termination of the Plan, whichever is the earlier. The guarantee is provided by Sun Life. In case there is any shortfall, Sun Life will make up the difference for a period of ten years from the commencement date of the Plan. The guarantee is subject to qualifying conditions. Please refer to Appendix 1 of the Explanatory Memorandum for details of the guarantee features and conditions.

The annual declared rate of return of the Fund is based on the yield earned as at the end of its fiscal year ending on September 30 each year, net of all relevant taxes but including realized and unrealized gains and adjustments to smooth market fluctuations and to provide for the investment guarantee.

Investment involves risk. There is no assurance on investment returns and your investments may suffer significant losses.

Please refer to the Fund Fact Sheet for further detail, including the latest declared rate.


Investment involves risk and past performance information presented is not indicative of future performance.

For further details including the features of the Capital Guarantee Fund, please refer to the details in the Explanatory Memorandum of the Plan. Please refer to the latest offering documents of the underlying funds. If you are in doubt about the meaning or effect of the contents of the Explanatory Memorandum and the offering document of each underlying fund, you should seek professional advice.

Issued by Sun Life Hong Kong Limited (Incorporated in Bermuda with limited liability)