Important risk disclosures

Fidelity Funds

  • Fidelity Funds is an umbrella fund with funds investing in equities, debt, money market securities and/or other instruments, including derivatives.
  • Funds are subject to risk to capital and income, valuation and foreign currency risks.
  • For funds which invest in stocks, the value of those stocks may fluctuate, sometimes dramatically, in response to the activities and results of individual companies or because of general market and economic conditions or other events, including changes in investment sentiment, political and issuer-specific factors.
  • For funds which invest in bonds or other debt instruments, the value of those investments and hence the Net Asset Value of the relevant funds will depend on factors including, but not limited to, market interest rates, the credit quality of the issuer, the currency of the investment (when the currency of the investment is other than the base currency of the fund holding that investment) and liquidity considerations.
  • Some funds can invest in emerging market securities which may be more volatile and subject to greater political and economic risks.
  • Some funds can invest primarily in a single sector, country or market are subject to higher concentration risk.
  • Some funds can invest in below investment grade / unrated securities and high yielding debt instruments which may be subject to lower liquidity, higher volatility, heightened risk of default and loss of principal and interest than higher-rated/lower yielding debt securities, which may involve liquidity risk, counterparty credit risk, volatility risk, valuations risks and over-the-counter transaction risk and may lead to a high risk of significant loss by the fund.
  • Although some funds will not make extensive use of derivatives for investment purposes or use complex derivatives or strategies, the use of derivatives may involve liquidity risk, counterparty credit risk, volatility risk, valuations risks and over-the-counter transaction risk, at times. Exposure to financial derivative instruments and its leverage element may lead to a high risk of significant loss by the fund. Also, some funds may make extensive use of derivatives for investment purposes or use complex derivatives or strategies, which may additionally subject to high leverage risks, which will increase the volatility of the fund’s price and may lead to significant losses.
  • Dividend of certain share classes, at the Board’s discretion, may be paid out of capital and/or effectively out of capital amounts to a return or withdrawal of part of an investor’s original investment or from any capital gains attributable to that original investment. Any such distributions may result in an immediate reduction of the Net Asset Value per share.
  • In an extreme scenario, the value of the fund may be worth substantially less than the original amount you have invested and in the worst case could be worth nothing.
  • You should not invest based on the information on this material alone and should read the relevant offering documents, including Product Key Facts, for details including the risk factors before making any investment decisions.

Fidelity Advantage Portfolio Fund

  • The Fidelity Advantage Portfolio Fund is an umbrella fund with a number of sub-funds with different investment objectives and risk profiles. These Sub-funds may gain exposure to equities, debt, money market securities and/or other instruments, including derivatives.
  • Sub-funds with exposure to emerging market securities may be subject to higher risks and volatility.
  • Sub-funds investing primarily in single or a limited number of geographical market(s) may subject to higher concentration risk.
  • Sub-funds with exposure to RMB denominated debt securities issued or distributed outside mainland China, will subject to RMB currency risk, RMB exchange risk and risk of limited pool of investments.
  • Sub-fund with exposure to Tracker Fund of Hong Kong, iShares World Government Bond Index Fund and iShares World Equity Index Fund will be subject to risk of investing in index-tracking fund, risks relating to underlying index fund and risks relating to the underlying index.
  • The value of investments will vary with market movements and under extreme circumstances, may experience substantial loss. Please refer to the Risk Factors section of the Explanatory Memorandum for details.
  • You should not invest based on the information on this material alone and should read the Explanatory Memorandum, including Product Key Facts, of Fidelity Advantage Portfolio Fund (including potential risks involved) for further information.

Fidelity Retirement Master Trust ("FRMT")

  • The MPF Conservative Fund under the Fidelity Retirement Master Trust does not guarantee the repayment of capital. The purchase of a Unit in the MPF Conservative Fund is not the same as placing funds on deposit with a bank or deposit-taking company.
  • Fidelity SaveEasy Funds are not savings deposits and involve investment risks and this product may not be suitable for everyone. Investors should also consider factors other than age and review their own investment objectives.
  • You should consider your own risk tolerance level and financial circumstances before making any investment choices or invest according to the Default Investment Strategy. When, in your selection of funds or the Default Investment Strategy, you are in doubt as to whether a certain fund or the Default Investment Strategy is suitable for you (including whether it is consistent with your investment objectives), you should seek financial and/or professional advice and make investment choices most suitable for you taking into account your circumstances.
  • In the event that you do not make any investment choices, please be reminded that your contribution made and/or benefits transferred into the Master Trust will unless otherwise provided in this Principal Brochure be invested in accordance with the Default Investment Strategy which may not necessarily be suitable for you.
  • You should not invest based on the information on this website alone and should read the Principal Brochure of Fidelity Retirement Master Trust (including potential risks involved) for further information.
  • Investment involves risks, you may suffer significant loss of your investments. Past performance is not indicative of future performance.

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Important information

Investment involves risks. Past performance is not indicative of future performance. If Investment returns are not denominated in HKD/USD, US/HK dollar-based investors are exposed to exchange rate fluctuations. In general fluctuation in the performance of emerging markets is normally higher as it tends to be more volatile than other developed markets. The value of bonds, debt instruments and other fixed income instruments will fluctuate depending on market interest rates, and credit quality of the issuer and liquidity considerations. Increase in market interest rates, decline in the credit quality of the issuer and decrease in liquidity will adversely impact on the value of these instruments. When the interest rate rises, the price of fixed income instruments will normally drop, and vice versa. Please refer to the relevant offering documents for details including the risk factors before making any investment decisions. Fidelity only gives information about its products and services. Any person considering an investment should seek independent advice on the suitability or otherwise of the particular investment. FIL Limited and its subsidiaries are commonly referred to as Fidelity or Fidelity International. Fidelity, Fidelity International, the Fidelity International logo and F symbol are trademarks of FIL Limited. This web page is published by FIL Investment Management (Hong Kong) Limited and has not been reviewed by the Securities and Futures Commission.

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