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Monthly Savings Plan



Start With Regular Savings Plan To Make Your Dreams Come True

A wide array of Monthly Savings Plans to fulfill your needs:

  • Monthly Deposit Savings Plan - Club Deposit (including HKD, CNY and other foreign currencies)
  • Monthly Stocks Savings Plan
  • Monthly Funds Savings Plan
 
Features of Monthly Plans
Choices of Plan
Setup of Plans
 
 

Features of Monthly Plans

The Bank offers various choices in precious metals and currencies to cater for your investment needs.

  • Regular Contributions
  • A Wide Array of Choices
  • Dollar Cost Averaging
  • Hassle-free Management

Amass wealth over time to enhance your financial strength:

  • You can take advantage of the Dollar Cost Averaging to avoid short-term market fluctuations for greater potential profit

  • Through Internet Banking you can set up, suspend (except Club Deposit) or update your plan anytime and anywhere for free3


Choices of Plan

Planning is the key to achieving your financial goals. We offer various types of Monthly Savings Plans to suit your investment appetites, helping you realize your goals with ease:

Plan Features Monthly Deposit Savings Plan -
Club Deposit (in original currency)
Monthly Stocks Savings Plan Monthly Funds Savings Plan
Minimum Monthly Contribution HKD & RMB: 500
USD,GBP,AUD,
NZD,CAD,EUR:
100
HKD1,0001 HKD1,0002
(or equivalent in foreign currencies)
Contribution Period For HKD Club Deposit:
1 to 5 years; for other currencies: 1 year.
No limitation No limitation3
Contribution Frequency Monthly, bi-monthly, quarterly or semi-annually Monthly Monthly
Advantages
  • Provide various currencies and deposit period offers to meet customer's financial need

  • Customers may place the instalments through autopay according to the arranged schedule

  • Investment in your favourite stocks with a relatively lower amount of capital

  • Leveraging on the Dollar Cost Averaging for investment efficiency

  • Diversified choices of Stocks

  • Investment in your favourite funds with a relatively lower amount of capital

  • Leveraging on the Dollar Cost Averaging for investment efficiency

  • Diversified choices of Funds (including Equities, Bonds and Mixed Funds, etc.)

  • Remarks:

    1. The minimum monthly contribution for Monthly Stocks Savings Plan includes brokerage fee, stamp duty, transaction levy and transaction charge.

    2. The minimum monthly contribution for Monthly Funds Savings Plan includes subscription fee. The charge will be calculated on the basis of a certain percentage of the monthly investment amount. Please refer to the relevant fact sheets, Fund Explanatory Memorandum / Prospectus for details. Any latest announcement from the fund house shall be conclusive.

    3. Should customers withdraw the Monthly Funds Savings Plan within 12 months, Nanyang Commercial Banking, Limited reserves the right to charge a handling fee (equivalent to 2% of the total investment amount).

    General Terms and Conditions:

    • The above products are subject to the relevant terms and conditions. For details, please contact the staff of Nanyang Commercial Banking, Limited ("the Bank").

    • The Bank reserves the right to amend, suspend and terminate the above products, and to amend the relevant terms and conditions at its sole discretion.

    Setup of Plans
    Monthly Deposit Savings Plan -
    Club Deposit
    Details
    Monthly Stocks Savings Plan
    Details
    Monthly Funds Savings Plan
    Details

    Internet Banking Customers

  • You can manage your monthly savings plan via Internet Banking anytime, anywhere!

  • [Login]

    Non-Internet Banking Customers

  • You can visit any of the branches of NCB to set up your Monthly Savings Plan. Act now and start your plan!
  • For enquiries, please call our Personal Customer Hotline at (852) 2622 2633or visit any of the branches of NCB.

    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

    • Foreign currency investments are subject to exchange rate fluctuations which may provide both opportunities and risks. The fluctuation in the exchange rate of foreign currency may result in losses in the event that the customer converts the foreign currency into HKD or other foreign currencies.

    • Investments in Investment Funds involve risks. Certain mutual funds and unit trusts ("Investment Funds") are structured products involving derivatives. The price movement of Investment Funds may be volatile. It may go up as well as down, and may even become valueless. Therefore, customers may not receive any return from the investment in Investment Funds, or may sustain losses in the investment. Customers may not be able to liquidate their investment immediately under certain market conditions. Before making any investment decisions, customers should seek independent financial advice.

    • 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.

    • The above risk disclosure cannot disclose all the risks involved. Before entering into any transaction or investment, customers should also carefully consider whether the trading or the investment is suitable for customers having regard to their own financial situations, investment objectives and experiences, risk acceptance and ability to understand the nature and risks of the relevant product. If customers are in doubt or do not understand any of the above risk disclosures or the nature and risks involved in any transaction or investment, customers should seek independent professional advice.

    • The investment decision is made by the customers but customers should not invest in any investment product unless the intermediary who sells such investment product to customers has explained to the customers that such product is suitable for customers having regard to the customers' financial situations, investment experiences and investment objectives. Investments involve risks (include investment in RMB), customers should read carefully the relevant offering documents and risk disclosures of the relevant products for details.

    • The information contained in this website is provided for reference only and does not constitute any offer, solicitation, recommendation, comment or any guarantee to the purchase or sale of any investment product or service. Customers should seek advice from an independent financial adviser before making any investment, financial decision or purchasing any product.