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Terms of Use
You must read the following information before proceeding. By accessing this website / application and any pages thereof, you acknowledge that you have read the following information and accept the terms and conditions set out below and agree to be bound by such terms and conditions. If you do not agree to such terms and conditions, please do not access this website / application or any pages thereof.
General
This website / application has been prepared by FIL Investment Management (Hong Kong) Limited and for informational purposes only. FIL Investment Management (Hong Kong) Limited, FIL Limited and its subsidiaries are commonly referred to as Fidelity or Fidelity International ("Fidelity"). The information on this website / application is intended for Hong Kong residents and is for reference only. None of the Fidelity products referred to on this website have been approved for sale or purchase by any authority outside Hong Kong. Persons resident in territories other than Hong Kong should consult their professional advisers as to whether they may subscribe for the products and services described in this website / application or whether they require any governmental or other consents or need to observe any formalities to enable them to do so. Certain Fidelity products sold in Asia may be established in Luxembourg. The information contained in this website / application does not constitute a distribution, an offer to buy or sell any securities or the solicitation of any offer to buy or sell any securities, engage the investment management services of Fidelity in any jurisdiction in which the distribution or offer is not authorized or would be contrary to local laws or regulations. Without limitation, the information in this website / application is not for distribution and does not constitute an offer to buy or sell any securities in the United States of America to or for the benefit of United States persons (being residents or citizens of the United States of America or partnerships or corporations organized under the laws of the United States of America). It is the responsibility of the persons who access this website / application to observe all applicable laws and regulations.
Fidelity reserves the right to grant or revoke the authority to use the Fidelity Internet sites at its absolute discretion. Whilst every reasonable precaution has been taken to ensure the accuracy, completeness, security and confidentiality of information available through the Fidelity Internet sites, Fidelity makes no warranty as to the accuracy, completeness, security and confidentiality of such information. Fidelity, its affiliates, directors, officers or employees accept no liability for any errors or omissions relating to information available through the Fidelity Internet sites. Fidelity cannot be held responsible for any consequence of any action carried out by any user authorised or unauthorised.
These Terms of Use are in addition to any other agreements between you and FIL Investment Management (Hong Kong) Limited, including any customer or account agreements, and any other agreements that govern your use of FIL Investment Management (Hong Kong) Limited’s products, services, content, tools and information available on this website / application.
We reserve the right to change the website / application and the Terms of Use at any time without notice. If you use the website / application after the amended Terms of Use have been published, you will be deemed to have agreed to the Terms of Use, as amended.
Use of website
Unless otherwise specified, information contained in this website / application does not constitute investment advice or recommendations. Users are solely responsible for determining whether any investment, security or strategy, or any other product or service is appropriate or suitable for them based on their investment objectives and personal and financial situation unless otherwise agreed by FIL Investment Management (Hong Kong) Limited. Any person considering an investment should seek independent advice on the suitability or otherwise of the particular investment. While certain tools available on the website / application may provide general investment or financial analyses based upon your personalized input, such results are for your information purposes only and you should refer to the assumptions and limitations relevant to the use of such tools as set out in this website / application. Users should consult their independent professional advisers should they have any questions. The information contained in this website / application is only accurate on the date such information is published on this website / application.
Third Party Content
This website / application includes material from third parties or links to websites maintained by third parties some of which is supplied by companies that are not affiliated with any Fidelity entity ("Third Party Content"). Third Party Content is available through framed areas, through hyperlinks to third party web sites, or is simply published on the site. The Third Party Content is protected by copyright pursuant to Hong Kong laws and international treaties and is owned or licensed by the Third Party Content provider(s) credited.
Fidelity has not been involved in the preparation, adoption or editing of such third party materials and does not explicitly or implicitly endorse or approve such content. Any opinions or recommendations expressed on third party materials are solely those of the independent providers, not of Fidelity.Fidelity is not responsible for any errors or omissions relating to specific information provided by any third party.
While Fidelity makes every attempt to provide accurate and timely information to serve the needs of users, neither Fidelity nor the Third Party Content providers guarantee its accuracy, timeliness, completeness, usefulness or any other aspect of the information and are not responsible or liable for any such content, including any advertising, products, or other materials on or available from third party sites. You will access and use Third Party Content at your own risk. Third Party Content is provided for informational purposes only, and Fidelity and the Third Party Content providers shall not be liable for any loss or damage arising from your reliance upon such information.
Internet Communication
Messages sent over the Internet cannot be guaranteed to be completely secure. Fidelity will not be responsible for any damages incurred by investors as a result of any delay, loss, diversion, alteration or corruption of any message either sent to or received from Fidelity at investors’ request, over the Internet. Fidelity is not responsible in any manner for direct, indirect, special or consequential damages arising out of the use of this website / application.Communication over the Internet may be subject to interruption, transmission blackout, delayed transmission due to Internet traffic or incorrect data transmission due to the public nature of the Internet or otherwise.
Fidelity does not represent or warrant that this website / application will be available and meet investors requirements, that access will not be interrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to investors computer system. Investors have sole responsibility for adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties. Fidelity makes no representations or warranties regarding the accuracy, functionality or performance of any third party software or service providers that may be used in connection with the site.
Intellectual Property Rights
Copyright, trade marks, database rights, patents and all similar rights in this site and the information contained in it are owned by Fidelity, its licensors or relevant third party content providers. Users may use the information on this site and reproduce it in hardcopy for their personal reference only. The information may not otherwise be reproduced, distributed or transmitted to any other person or incorporated in any way in to another database, document or other material. Any copy of materials which a user makes from the site must retain all copyright or other proprietary notices and disclaimers contained therein. Trade names referred to in this site are trade marks owned by or licensed to Fidelity or other content providers. Trade marks owned by Fidelity or providers of content on the site are used to act as an indication of source or origin of associated services. Nothing on this site should be considered as granting any licence or right under any trade mark of Fidelity or any third party, nor should a user attempt to use, copy adapt or attempt to register any similar trade marks to any trade marks or logos appearing on the website / application or in the Information herein.
Fidelity, Fidelity International, the Fidelity International logo and F symbol are trademarks of FIL Limited.
Third party marks appearing in this website / application are the property of their respective owners and used with the permission of such owners, where necessary.
Governing Law
These Terms of Use shall be governed by the laws of Hong Kong Special Administrative Region.
Languages
In case of discrepancies between the English and Chinese language versions of these Terms of Use and content of this website / application, the English version shall prevail.
See how a small change may make a big difference
The power of saving just 1% more
They say it’s the little things that count - and that's certainly true when it comes to saving for retirement. Thanks to the power of small amounts, just by putting an extra 1% of your monthly salary into your workplace pension scheme may make a big difference to your pension pot in 20 or 30 years.
The longer you give your money the chance to grow, the better, regardless of how close or far you are to retirement.
Power of small amounts calculator
Check out how saving 1% more may make a big difference to your pension pot
Examples:
Start small and watch it grow
The beauty of saving extra for your workplace pension is that you probably won’t even notice the extra 1% going out because it comes straight out of your monthly salary.
Start early and take it up a notch
The more you can save into your pension, the more likely you may be able to retire and maintain your current lifestyle. The trick is to start early, save as much as you can now, and try to increase your savings every year to ensure you’re best placed to enjoy your retirement.
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Understand the definition and importance of being financial well
Determine your Financial Wellness
Assess your personal financial wellness with our easy-to-use tool
Insights on Financial Wellness
Insights on the four key domains of financial wellness to equip you on your financial journey
*The above examples are based on certain assumption and they are for reference only. Approximation based on a 1% increase in contribution. Continued employment from current age to retirement age, 65. We assume you are exactly your current age (in whole number of years) and will retire on your birthday at your retirement age. Number of years of savings equals retirement age minus current age. Nominal investment growth rate is assumed to be 5.25%. Hypothetical rate of salary increase is assumed to be 3.1%. All accumulated retirement savings amounts are shown in future (nominal) Hong Kong dollars.
The value of investments and the income from them can go down as well as up, so you may not get back what you invest. This information does not constitute investment advice and should not be used as the basis for any investment decision nor should it be treated as a personal recommendation for any investment or action. Fidelity shall not be liable for any loss or damage arising from your reliance upon this information. The actual value of your investment are subject to many factors, it may be higher or lower than the above examples.