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Monthly Stocks Savings Plan

"Monthly Stocks Savings Plan" is a flexible and convenient investment tool, enabling you to invest in a number of selected stocks with a monthly contribution amount of as low as HKD/CNY1,000. By leveraging on the advantage of "Dollar Cost Averaging", you can be freed from the short term volatility of the stock market while balancing overall investment effectiveness. In addition, you can earn credit card gift points by settling the contribution payment with BOC Credit Card.

 
Low contribution amount
Preferential transaction fee
Earning credit card gift points by making contribution via credit card
Selling odd lot stocks at market price with more flexibility
Balancing overall investment effectiveness by Dollar Cost Averaging
Selected Stocks (Subject to announcement by the Bank from time to time)
 
Low contribution amount
  • According to your own preference, you can invest in selected stocks provided by NCB. The minimum monthly contribution is as low as HKD/CNY1,000 (A maximum of two stocks can be invested with a monthly contribution amount of HKD/CNY1,000. For each additional stock, any additional contribution may be made in integral multiples of HKD/CNY500).

  • For example:
    Maximum number of stock(s) invested Minimum monthly investment amount

    2

    HKD/CNY1,000

    3

    HKD/CNY1,500

    4

    HKD/CNY2,000

Preferential transaction fee
  • A maximum of 20 stocks can be selected in each plan. A handling fee equivalent to 0.25% of the total monthly contribution amount is charged for each plan. And the minimum charge is HKD/CNY50 per month (including brokerage fee, stamp duty, transaction levy and transaction charge). You can also enjoy waivers on safe custody and collection fees of shareholder entitlements (e.g. dividend) to save more.

Earning credit card gift points by making contribution via credit card
  • Monthly contribution can be made through autopay from your securities settlement account or BOC Credit Card. There is no upper limit on the contribution amount. In addition, you can earn the credit card gift points by settling the contribution payment with BOC Credit Card. The longer the period of consecutive contributions, the higher gift point conversion rate.

  • Consecutive Month(s) of Contributions 1 to 12 months 13 to 24 months Over 24 months
    Conversion Rate
    (HKD/CNY contribution amount: Credit Card Gift Points)

    5:1

    3:1

    1:1

    Upper Limit of Gift Points

    A maximum of 10,000 BOC Credit Card Gift Points
    can be earned for each monthly contribution

Selling odd lot stocks at market price with more flexibility
  • You can sell any stocks maintained in the plan at market price (even if the number of shares is less than one lot) to enjoy a higher return. What's more, you can adjust the monthly contribution amount or the stock portfolio according to your investment needs without handling charges, grasping every investment opportunity with greater flexibility.

Balancing overall investment effectiveness by Dollar Cost Averaging
  • 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. With this long term investment strategy, you do not have to worry about short term market fluctuations, but with more balanced overall investment effectiveness.

  • Example (HKD example for reference only)
    Contribution Month Contribution
    Amount
    (HK$)
    Contribution
    Amount After Deducting Transaction Fee
    (HK$)
    Purchase Price
    per Share(HK$)
    Number of Shares Bought Net Contribution Amount
    (HK$)

    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

Selected Stocks (Subject to announcement by the Bank from time to time)
Stock Code Stock Name Stock Code Stock Name

00001

CKH HOLDINGS

01066

WEIGAO GROUP

00002

CLP HOLDINGS

01088

CHINA SHENHUA

00003

HK & CHINA GAS

01093

CSPC PHARMA

00004

WHARF HOLDINGS

01099

SINOPHARM

00005

HSBC HOLDINGS

01109

CHINA RES LAND

00006

POWER ASSETS

01113

CK PROPERTY

00008

PCCW

01114

BRILLIANCE CHI

00011

HANG SENG BANK

01157

ZOOMLION

00012

HENDERSON LAND

01171

YANZHOU COAL

00016

SHK PPT

01193

CHINA RES GAS

00017

NEW WORLD DEV

01199

COSCO SHIP PORT

00019

SWIRE PACIFIC A

01211

BYD COMPANY

00023

BANK OF E ASIA

01288

ABC

00027

GALAXY ENT

01299

AIA

00066

MTR CORPORATION

01313

CHINARES CEMENT

00083

SINO LAND

01336

NCI

00097

HENDERSON INV

01339

PICC GROUP

00101

HANG LUNG PPT

01359

CHINA CINDA

00119

POLY PROPERTY

01398

ICBC

00123

YUEXIU PROPERTY

01766

CRRC

00135

KUNLUN ENERGY

01776

GF SEC

00144

CHINA MER HOLD

01800

CHINA COMM CONS

00151

WANT WANT CHINA

01816

CGN POWER

00165

CHINA EB LTD

01898

CHINA COAL

00168

TSINGTAO BREW

01919

COSCO SHIP HOLD

00175

GEELY AUTO

01928

SANDS CHINA LTD

00257

CHINA EB INT'L

01929

CHOW TAI FOOK

00267

CITIC

01988

MINSHENG BANK

00270

GUANGDONG INV

02018

AAC TECH

00291

CHINA RES BEER

02020

ANTA SPORTS

00293

CATHAY PAC AIR

02038

FIH

00322

TINGYI

02202

CHINA VANKE

00323

MAANSHAN IRON

02238

GAC GROUP

00330

ESPRIT HOLDINGS

02318

PING AN

00347

ANGANG STEEL

02319

MENGNIU DAIRY

00358

JIANGXI COPPER

02328

PICC P&C

00363

SHANGHAI IND

02333

GREATWALL MOTOR

00371

BJ ENT WATER

02338

WEICHAI POWER

00386

SINOPEC CORP

02380

CHINA POWER

00388

HKEX

02388

BOC HONG KONG

00390

CHINA RAILWAY

02600

CHALCO

00392

BEIJING ENT

02601

CPIC

00489

DONGFENG GROUP

02628

CHINA LIFE

00494

LI & FUNG

02727

SH ELECTRIC

00506

CHINA FOODS

02777

R&F PROPERTIES

00669

TECHTRONIC IND

02800

TRACKER FUND

00688

CHINA OVERSEAS

02822

CSOP A50 ETF

00700

TENCENT

02823

ISHARES A50

00728

CHINA TELECOM

02827

X WISECSI300ETF

00753

AIR CHINA

02828

HS H-SHARE ETF

00762

CHINA UNICOM

02833

HS HSI ETF

00763

ZTE

02866

COSCO SHIP DEV

00813

SHIMAO PROPERTY

02883

CHINA OILFIELD

00817

CHINA JINMAO

02888

STANCHART

00823

LINK REIT

02899

ZIJIN MINING

00836

CHINA RES POWER

03049

X DBCSI300

00857

PETROCHINA

03137

CSOP CES A80

00883

CNOOC

03188

CAM CSI300

00902

HUANENG POWER

03323

CNBM

00914

CONCH CEMENT

03328

BANKCOMM

00916

CHINA LONGYUAN

03333

EVERGRANDE

00939

CCB

03968

CM BANK

00941

CHINA MOBILE

03988

BANK OF CHINA

00945

MANULIFE-S

03993

CMOC

00966

CHINA TAIPING

06030

CITIC SEC

00991

DATANG POWER

06837

HAITONG SEC

00992

LENOVO GROUP

06886

HTSC

00998

CITIC BANK

82822

CSOP A50 ETF-R

01038

CKI HOLDINGS

83188

CAM CSI300-R

01044

HENGAN INT'L

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

Terms and conditions:

  1. To set up a "Monthly Stocks Savings Plan", customers must have a securities account. Customers can at most set up one "Monthly Stocks Savings Plan" with its contribution paid through securities settlement account and one "Monthly Stocks Savings Plan" with its contribution paid through BOC Credit Card for each securities account.

  2. If the required contribution amount could not be debited by Nanyang Commercial Bank, Ltd (the "Bank") from the customer's securities settlement account or BOC Credit Card for three consecutive months, the Bank will have the right to terminate the relevant plan without prior notice.

  3. The maximum monthly contribution amount paid by BOC Credit Card is still subject to the credit limit of the BOC Credit Card.

  4. Change in the number of stocks, monthly contribution amount or the use of another BOC Credit Card as the debit account will not affect the calculation of Consecutive Contribution Period.

  5. Unless otherwise specified, the contribution day of the "Monthly Stocks Savings Plan" 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 BOC Credit Card, the contribution amount will be debited 2 business days before the contribution day.

  6. Transaction day is the next stock trading day after the contribution day. Adding new plan(s) is/are not accepted on the transaction day or the next stock trading day after the transaction day.

  7. A maximum of 20 stocks can be selected under the same plan.

  8. To adjust the contribution amount or the stock portfolio, the customer is required to place instruction through any branches or Internet Banking of the Bank 3 business days before the next transaction day.

  9. The first successful contribution month, the number of consecutive contribution months and BOC Credit Card Gift Point conversion rate are determined in accordance with the Bank's records.

  10. The above products and services are subject to relevant terms and conditions. For details, please contact the staff of the Bank.

  11. The Bank reserves the right to amend, suspend and terminate the above products and services, and to amend the relevant terms and conditions at any time at its sole discretion without prior notice.

  12. In case of any dispute(s), the decision of the Bank shall be final.

  13. In case of any discrepancy(ies) between the Chinese and English version of these terms and conditions, the Chinese version shall prevail.


RMB Conversion Limitation Risk:

  • RMB investments are subject to exchange rate fluctuations which may provide both opportunities and risks. The fluctuation in the exchange rate of RMB may result in losses in the event that the customer converts RMB into HKD or other foreign currencies.
  • (Only applicable to Individual Customers) RMB is currently not fully freely convertible. Individual customers can be offered CNH rate to conduct conversion of RMB through bank accounts and may occasionally not be able to do so fully or immediately, for which it is subject to the RMB position of the banks and their commercial decisions at that moment. Customers should consider and understand the possible impact on their liquidity of RMB funds in advance.
  • (Only applicable to Corporate Customers) RMB is currently not fully freely convertible. Corporate customers that intend to conduct conversion of RMB through banks may occasionally not be able to do so fully or immediately, for which it is subject to the RMB position of the banks and their commercial decisions at that moment. Customers should consider and understand the possible impact on their liquidity of RMB funds in advance.

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.

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.

Important Notice: To borrow or not to borrow? Borrow only if you can repay!





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