UNIT TRUST MONTHLY INVESTMENT PLAN
Grow your wealth with regular monthly investment
Achieve your financial goals by making small monthly investments through our flexible plan.
Lower monthly contribution
Start with just HKD 1,000 per month and build your fund portfolio at your own pace. Choose the plan that works best for you and start investing today.
Dollar-Cost Averaging
Dollar-Cost Averaging helps you buy more units when prices are low and fewer when prices are high, reducing short-term market fluctuation impacts for long-term growth.
Flexible payment methods
Autopay makes investing easier by automatically contributing from your OCBC savings or current account. Or, use your OCBC Credit Card^ for up to 54 days interest-free.
To borrow or not to borrow? Borrow only if you can repay! Terms and Conditions apply.
Monthly portfolio performance reports
Monthly statements keep you updated on transactions and portfolio value, so you can track your investment progress.
^ Monthly investments settled by credit card will not be eligible for rewards under the “Cash Rebate” or “OCBC Bank Mileage” Scheme.
With dollar cost averaging, you purchase units of a fund using a fixed amount every month, regardless of the price.
With your fixed monthly amount, you purchase more units when the unit price drops. When prices rise, you buy fewer units. This approach helps lower your average cost over time, reducing the impact of market fluctuations.
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The above figures are for illustrative purpose only and the actual performance of the product may differ from the figures shown.
The Average price per unit (HKD): = Total Net Contribution / Total Purchased Units
= $5,000 / 577.72
= $8.65
Let’s say your investment target is HKD 1,000,000 in 10 years. Here’s an example of how much you should invest monthly:
| Years of investment |
Annual rate of return1 5% |
10% | 15% |
|---|---|---|---|
| 5 | $14,644 | $12,807 | $11,151 |
| 10 | $6,413 | $4,841# | $3,589 |
| 15 | $3,726 | $2,393 | $1,477 |
| 20 | $2,423 | $1,306 | $660 |
# If your investment target is HKD 1,000,000 in 10 years with a 10% annual rate of return compounded continuously, you would invest approximately HKD 4,841 each month.
Start your investment journey with OCBC today
or visit us at a branch. Alternatively, you can contact us at (852) 3199 9188.
Important Notice and Risk Disclosure
Investment involves risks and the price of investment products may fluctuate or even become worthless. Past record is not an indicator of future performance. Losses may be incurred rather than making a profit as a result of investment. Investment funds which invest in certain markets (e.g. Emerging Market) may involve a higher degree of investment risks. Certain investment funds may use financial derivative instruments to meet their investment objectives (please refer to respective offering document for detailed information), thus entailing higher volatility in net asset value. You should carefully and independently consider whether the investment products are suitable for you in light of your investment experience, objectives, financial position and risk profile. The respective fund management company is the only person quoting prices and counterparty for the fund(s) under its management. You should therefore carefully consider the liquidity risk involved. Independent professional advice should be obtained if necessary. Please carefully read the relevant offering document (including but not limited to the risk factors stated therein) and terms and conditions before making any investment decisions. The above mentioned investment products are neither protected by the Deposit Protection Scheme nor the Investor Compensation Fund in Hong Kong. Please note that the unit price shown for each fund is based on its latest fund's NAV or its Bid price and is for reference only. The actual subscription price of each fund may be different to the reference offer price. All prices are subject to final confirmation by the Bank. Unit price information of each fund is shown in its denominated currency or reporting currency. Investment returns are denominated in the respective fund’s base currency (may be a foreign currency). You may be exposed to the risks of fluctuations in the exchange rate of USD / HKD / foreign currency. The above mentioned investment fund(s) has been authorized by the Securities and Futures Commission in Hong Kong (the "SFC"). However, SFC authorization is not a recommendation or endorsement of an investment fund nor does it guarantee the commercial merits of an investment fund or its performance. It does not mean the investment fund is suitable for all investors nor is it an endorsement of its suitability for any particular investor or class of investors. This material does not constitute any offer, invitation or recommendation to any person to enter into any transaction described therein or any similar transaction, nor does it constitute any prediction of likely future price movements. Investor should not make investment decisions based on this material alone. If there is any discrepancy between the English and the Chinese versions hereof, the English version shall prevail. The information on this webpage has not been reviewed by the SFC.