• You can invest in selected stocks for long term investment according to your own preference. The minimum monthly contribution is only HK$1,000 (The monthly investment amount of HK$1,000 is in a maximum of two stocks. For each additional stock, any additional contribution may be made in integral multiples of HK$500. A maximum of ten stocks can be selected in each plan. )

• For example:
  

  Maximum number of stock(s) invested	Minimum monthly investment amount
  2	HK$1,000
  3	HK$1,500
  4	HK$2,000

• For each plan, the handling fee is only 0.25% of the total monthly investment amount with a minimum charge of HK$50 (including brokerage fee, stamp duty, transaction levy and transaction charge). You can also enjoy waivers on safe custody and shareholder entitlements (i.e. dividend) collection fees to help you save more.

• You can adjust the monthly contribution amount or the stock portfolio absolutely free of handling charges, enabling you to grasp every investment opportunity with greater flexibility. What's more, you can sell the stocks at market price (even if the number of shares is less than one lot) to enjoy higher returns.

• Contribution amount can be made via autopay from your securities settlement account or BOC credit card. If the contribution amount is paid by credit card, you can earn the credit card bonus points as well. Each HK$1 contribution amount can earn 1 credit card bonus point.

• The advantage of "Monthly Stocks Savings Plan" is based on the concept of "Dollar Cost Averaging". You can acquire more shares when the stock price goes down and less shares when the stock price goes up. You will then enjoy lower average cost per share over the investment period. With this long term investment strategy, you don't have to worry about short term market fluctuations, but with greater potential profit.

• Example (For reference only)
  

  Contribution Date	Contribution Amount (HK$)	Contribution Amount After Deducting Transaction Fee (HK$)	Share Price (HK$)	Units Bought	Net Contribution Amount (HK$)
  January	1,000	950	15.38	61	938.18
  February	1,000	950	17.24	55	948.20
  March	1,000	950	16.70	56	935.20
  April	1,000	950	17.50	54	945.00
  				Total 226	3,766.58

  
  

  Average cost per unit (HK$)	=Net contribution amount÷Total units bought
  	=3,766.58÷226
  	=16.67

For further information, please visit any of our branches or call our enquiry hotline at (852) 2622 2633.

Terms and conditions:

1. The contribution day is on the tenth day of each month. If such day is not a stock trading day, contribution day will fall on the next stock trading day. If the contribution amount is paid by credit card, the amount will be debited on the second business day before the contribution day.

2. Transaction day is the next stock trading day after the contribution day.

3. For each plan, a maximum of 10 stocks can be selected.

4. To adjust the contribution amount or the portfolio, you are required to inform any branches of Nanyang Commercial Bank Limited or through Internet Banking for relevant instruction 3 business days before the next transaction day.

5. If contribution amount could not been debited for 3 consecutive months, the Bank will terminate the plan without prior notice.

6. For credit card payment, the monthly contribution amount is capped at HK$5,000.

7. Nanyang Commercial Bank Limited reserves the right to amend and/or withhold the terms and conditions of the above offers at its discretion.

Important Notice

Risk Disclosure

The following risk disclosure statements cannot disclose all the risks involved. You should undertake your own research and study before you trade or invest. You should carefully consider whether trading or investment is suitable in light of your own financial position and investment objectives. You are advised to seek independent financial and professional advice before you trade or invest. You should seek independent professional advice if you are uncertain of or have not understood any aspect of the following risk disclosure statements or the nature and risks involved in trading or investment.

Risk of Securities Trading

The prices of securities fluctuate, sometimes dramatically. The price of a security may move up or down, and may become valueless. It is as likely that losses will be incurred rather than profit made as a result of buying and selling securities.