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ORSO Schemes
Fund Options
Principal Trust Company (Asia) Limited Retirement Scheme consists of 11 fund options.
With the Principal Trust Company (Asia) Limited Retirement Scheme, employers and employees can secure a comprehensive retirement plan through prudent, systematic savings and astute investment portfolios.
Risk/Return Spectrum
Latest Fund Information
#Risk/Return Profile
Low
Moderate
Moderate to High
High
The classifications of Risk/Return Profile are based on past volatility (i.e. annualized standard deviation of returns), worst and best two months returns, and the relative risk levels among the funds in the Scheme. Besides, reference is also made to the investment objectives of the respective funds.
Source of Risk/Return Profile: Principal Asset Management Company (Asia) Limited
Principal Assset Accumulation Fund
Objective
To at least earn a net return equal to the Prescribed Savings Rate (which is broadly the average rate of interest on a Hong Kong dollar savings account) determined by the MPFA.
Investment Portfolio
Invest in a SFC-authorised unit trust fund which will invest in a portfolio of bank deposits, short duration securities and high quality money market instruments denominated in Hong Kong dollars.
Asset Allocation
Certificates of Deposit
0 - 95%
Debt Securities
0 - 95%
Cash & Short-term Investments (e.g. bills and deposits)
0 - 100%
Geographic Allocation
Hong Kong
100%
Risk / Return Profile #
Low
Low
High
Principal Money Market Fund
Objective
To earn a competitive short-to-medium-term rate of return.
Investment Portfolio
Invest in a SFC-authorised unit trust fund which will invest primarily in a portfolio of high quality Hong Kong dollar short-to-medium duration debt securities. The unit trust fund will also invest in U.S. dollar short-to-medium duration debt securities.
Asset Allocation
Short-to-medium Duration Debt Securities
60 - 100%
Cash & Short-term Investments (e.g. bills and deposits)
0 - 40%
Geographic Allocation
Hong Kong
70 - 100%
United States
0 - 30%
Europe
0 - 30%
Others
0 - 20%
Risk / Return Profile #
Low
Low
High
Note: Investment in the Principal Money Market Fund is different from placing deposits with a bank or deposit-taking company and is not protected by the Deposit Protection Scheme. Investments in this fund will be subject to investment risks.
Principal International Bond Fund
Objective
To maximise real asset value in terms of international purchasing power.
Investment Portfolio
Invest in a SFC-authorised unit trust fund which will mainly invest in a portfolio of debt securities, both sovereign and non-sovereign, of varying maturities and denominated in the world's major currencies.
Asset Allocation
Debt Securities
70 - 100%
Cash & Short-term Investments (e.g. bills and deposits)
0 - 30%
Geographic Allocation
United States
15 - 65%
France
0 - 50%
Germany
0 - 50%
Hong Kong
0 - 50%
Italy
0 - 50%
Japan
0 - 50%
Canada
0 - 20%
Other countries(each)
0 - 20%
Risk / Return Profile #
Low
Moderate
High
Principal Stable Yield Fund
Objective
To seek long-term growth of capital through investing in one or more SFC-authorised unit trust funds.
Investment Portfolio
Invest in one or more SFC-authorised unit trust funds which may in turn invest in one or more SFC-authorised unit trust funds and/or ITCIS approved by the MPFA or make direct investments. Through these underlying investments, the fund will primarily invest in equities and debt securities of different countries. The fund will provide international exposure with relatively more emphasis on debt investments.
Asset Allocation
Equity Securities
0 - 60%
Debt Securities
20 - 90%
Cash & Short-term Investments (e.g. bills and deposits)
0 - 30%
Geographic Allocation
Asia
0 - 75%
Europe
0 - 75%
North America
0 - 80%
South America
0 - 10%
Africa / Middle East
0 - 10%
Others
0 - 20%
Risk / Return Profile #
Low
Moderate
High
Principal Long Term Accumulation Fund
Objective
To earn a competitive long-term total rate of return through investing in a balanced portfolio.
Investment Portfolio
Invest in one or more SFC-authorised unit trust funds which may in turn make direct investments or invest in one or more SFC-authorised unit trust funds and/or ITCIS approved by the MPFA. Through these underlying investments, the fund has a balanced investment philosophy and will invest in a portfolio of fixed income and equity securities denominated in the world's major currencies.
Asset Allocation
Equity Securities
20 - 80%
Fixed Income Securities
15 - 75%
Cash & Short-term Investments (e.g. bills and deposits)
0 - 20%
Geographic Allocation
United States
15 - 100%
Asia
0 - 85%
Europe
0 - 30%
Others
0 - 20%
Risk / Return Profile #
Low
Moderate to High
High
Principal Global Growth Fund
Objective
To seek long-term growth of capital through investing in one or more SFC-authorised unit trust funds.
Investment Portfolio
Invest in one or more SFC-authorised unit trust funds which may in turn invest in one or more SFC-authorised unit turst funds and/or ITCIS approved by the MPFA or make direct investments. Through these underlying investments, the fund will invest primarily in equities and debt securities of different countries. The fund will normally target a larger allocation of equity investments than debt securities.
Asset Allocation
Equity Securities
30 - 90%
Debt Securities
10 - 70%
Cash & Short-term Investments (e.g. bills and deposits)
0 - 30%
Geographic Allocation
Asia
0 - 75%
Europe
0 - 75%
North America
0 - 80%
South America
0 - 10%
Africa / Middle East
0 - 10%
Others
0 - 20%
Risk / Return Profile #
Low
Moderate to High
High
Principal U.S. Equity Fund
Objective
To achieve capital growth over the long-term by investing in U.S. equity markets.
Investment Portfolio
Invest in a SFC-authorised unit trust fund which will invest mainly in U.S. equities and may include exposure to cash and short-term investments.
Asset Allocation
Equity Securities
70 - 100%
Cash & Short-term Investments (e.g. bills and deposits)
0 - 30%
Geographic Allocation
United States
70 - 100%
Hong Kong
0 - 30%
Others
0 - 20%
Risk / Return Profile #
Low
High
High
Principal Asian Equity Fund
Objective
To achieve capital growth over the long-term by investing primarily in Asia Pacific (ex-Japan) equities.
Investment Portfolio
Via indirect investment in the Ultimate Underlying Fund, invests primarily in equity securities of companies in the Asia Pacific (ex-Japan) region.
Asset Allocation
Equity Securities
70 - 100%
Cash & Short-term Investments (e.g. bills and deposits)
0 - 30%
Geographic Allocation
Hong Kong
0 - 65%
South Korea
0 - 65%
Malaysia
0 - 40%
Singapore
0 - 40%
Taiwan
0 - 40%
China
0 - 40%
Indonesia
0 - 40%
Philippines
0 - 40%
Thailand
0 - 40%
India
0 - 40%
Others
0 - 20%
Risk / Return Profile #
Low
High
High
Principal China Equity Fund
Objective
To achieve long-term capital growth through investing primarily in equity securities of companies conducting a majority of their business in the PRC or whose business operation is based in or related to the PRC.
Investment Portfolio
Invest in one or more SFC-authorised unit trust funds and intend to invest primarily in quoted securities of PRC companies; those securities will normally be listed on a stock exchange in the PRC including Hong Kong. The fund will invest at least 70% of the non-cash assets of the fund in securities and other investments based in or related to the PRC.
Asset Allocation
Equity & Quasi-Equity Securities
70 - 100%
Cash & Short-term Investments (e.g. bills and deposits)
0 - 30%
Geographic Allocation
China (including Hong Kong and Macau)
70 - 100%
Others
0 - 30%
Risk / Return Profile #
Low
High
High
Principal Hong Kong Equity Fund
Objective
To achieve capital growth over the long-term by investing mainly in Hong Kong equity markets.
Investment Portfolio
Invest in one or more SFC-authorised unit trust funds which will invest primarily in listed equities issued by companies established in Hong Kong or by companies whose shares are listed in Hong Kong. The unit trust fund may also invest in listed equities issued by companies which have business in Hong Kong. At least 70% of the non-cash assets of the fund will be invested in equities listed on the Hong Kong Stock Exchange.
Asset Allocation
Equity Securities
70 - 100%
Cash & Short-term Investments (e.g. bills and deposits)
0 - 30%
Geographic Allocation
Hong Kong
30 - 100%
China
0 - 30%
Others
0 - 50%
Risk / Return Profile #
Low
High
High
Principal International Equity Fund
Objective
To seek capital growth over the long-term by investing mainly in equity markets around the world.
Investment Portfolio
Invest in a SFC-authorised unit trust fund which will invest mainly in equity securities selected from investment markets around the world and may include exposure to cash and short-term investments.
Asset Allocation
Equity Securities
70 - 100%
Cash & Short-term Investments (e.g. bills and deposits)
0 - 30%
Geographic Allocation
North America
0 - 65%
Asia
0 - 50%
South America
0 - 50%
Europe
0 - 60%
Middle East
0 - 20%
Africa
0 - 20%
Others
0 - 20%
Risk / Return Profile #
Low
High
High
NOTE:
Investors should note that (i) the above ranges of asset and geographic allocations are for indication only and long term allocations may vary with changing market conditions; and (ii) the geographic allocation for equity investments is classified by the principal place of business of the issuers and the geographic allocation for debt investments is classified by their currency denomination.