The information contained on this website is provided for general reference only and does not constitute, and should not be regarded as, any investment advice, recommendation, offer, solicitation, persuasion, commitment or guarantee, nor is it intended for the sale of any investment product or service.

The contents have been prepared without regard to the investment objectives, investment experience, financial situation or risk tolerance level of any particular person or entity.

Fund products are not the same as fixed deposits. Any investment decision is made solely by the investor. Before making any investment decision, investors should undertake their own research and study, and carefully consider their own investment objectives, investment experience, financial situation, investment horizon, investment knowledge and risk tolerance. Where necessary, investors are advised to seek independent professional advice, including but not limited to financial, legal, tax and accounting advice.

The below risk disclosure statements do not disclose all the risks involved and do not take into account any individual circumstances which may be unknown to Ping An Digital Bank. The information contained on this website reflects market conditions at the time of publication only and is not guaranteed to be accurate, complete, or continuously valid.

The following sets out the key risks generally applicable to investment funds. This list is not exhaustive. Investors should read the relevant offering documents carefully to further understand the risk factors of the investment fund.

Equity Risk:

Equity markets may fluctuate significantly, with prices rising or falling sharply, which will have a direct impact on the fund’s net asset value. When equity markets are extremely volatile, the fund’s net asset value may fluctuate substantially.

Fixed Income Risk:

The value of fixed-income securities will change in response to fluctuations in interest rates and currency exchange rates, as well as changes in the credit quality of the issuer. Investment in fixed-income securities may be subject to credit risk, including the risk that a particular issuer may not fulfil its payment or other obligations.

Emerging Market Risk:

Investment in emerging and less developed markets may be subject to significant risks, including political and economic risks, legal and regulatory risks, market and settlement risks, execution and counterparty risks, and currency risks.

Country / Sector Concentration Risk:

Certain funds may have significant exposure to a single country or sector and are therefore subject to higher concentration risk, which may result in higher price volatility and liquidity risk compared with funds adopting a more diversified investment policy.

Exchange Rate Risk:

If investments or investment returns are not denominated in Hong Kong dollars, investors will be exposed to exchange rate fluctuations.

Derivatives Risk:

The fund may invest in derivatives, whose values may fluctuate dramatically and involve leverage risk and counterparty risk.

Investment involves risks. The prices of funds may fluctuate and market volatility may be significant. Funds may rise or fall in value, and investors may incur losses as a result of investment. In the worst-case scenario, investors may lose all or a substantial part of their invested capital. The performance and return of any investment are not guaranteed, and past performance is not indicative of future performance.

Fund performance data is based on the relevant fund’s class currency. All performance data represents cumulative returns for the corresponding time periods and is updated on a daily basis. Fund performance for each period is calculated based on the change in the fund’s net asset value (NAV) between the start date and end date of the relevant period (if the fund has paid dividends during the period, those dividends will also be included).

The price, volatility and liquidity of funds may not meet your expectations. Certain funds may not be readily realizable under particular market conditions. Before making any investment decision, investors should carefully read the relevant fund offering documents, terms and conditions, prospectuses (if applicable) and risk disclosure statements to understand the nature, features and risks of the relevant funds.

The information on this website is intended for Hong Kong residents only and should not be construed as an offer to distribute, sell, or a solicitation to invest in any other jurisdiction. Such activities may violate applicable laws and regulations in relevant jurisdictions, in particular the United States of America. By continuing to access this website or engaging in any investment, you represent and warrant that you are a Hong Kong resident or that the applicable laws and regulations of your jurisdiction allow you to access the information and conduct such investment activities.

The information in this website relating to funds is provided by Allfunds Hong Kong Limited ("Information Provider") to Ping An Digital Bank unless otherwise specified. For technical reasons, certain information provided by Information Provider may be different from that supplied by the respective fund houses. Neither the Information Provider nor Ping An Digital Bank guarantee or endorse the accuracy, reliability and completeness of the information provided by the Information Provider or that it is up-to date, and that such information has not been independently verified by Ping An Digital Bank. Ping An Digital Bank disclaims liability for any errors, omissions or inaccuracies in the information provided in this website. Ping An Digital Bank also disclaims liability for any loss or damages resulting from the use of information contained herein, or the inability to use such information or in connection with any error, interruption, delay in operation or incomplete transmission, line or system failure. The information contained herein is solely for personal and non-commercial use and for reference only, and is not intended to provide professional advice. Ping An Digital Bank, in providing such information, does not intend to and does not provide any advice on funds. 

Ping An Digital Bank distributes the fund product for the fund houses and the fund product is a product of the fund houses but not Ping An Digital Bank. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between Ping An Digital Bank and the customer out of the selling process or processing of the related transaction, Ping An Digital Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer. However, any dispute over the contractual terms of the fund product should be resolved directly between the fund houses and the customer.