In recent years, the Fund Fixed Investment Plan 11 (hereinafter referred to as "Plan 11"), which is popular among Hong Kong people, is an investment-linked insurance policy, that is, an insurance-packaged insurance policy consisting of fund investments. Generally, the term varies from 5 to 3 years. This kind of policy focuses on the investment part. If the policyholder dies within the policy period, the beneficiary can get an extra 1% of the net account value, and the total can get 11% of the net account value, so it is called "11 Plan".

1. Features of the plan

(1) Every little makes a mickle

The "11 Plan" generally has a variety of options, such as "one lump sum" and "regular contributions", among which monthly regular contributions are the most common. This mode of operation, just like an MPF account, adds up through monthly contributions. If you invest properly, your capital will increase, and after a period of time, you will be able to make adequate capital reserves for your retirement and other life goals. Most {11 plans} also allow investors to increase their contributions at any time, so as to achieve their investment goals faster.

(2) Flexible investment

In addition to the effect of "many a mickle makes a mickle", the general "11 Plan" usually has funds from multiple regions, industries, themes and different asset classes for investment choices, which can be described as both offensive and defensive. Customers can make choices according to their preferences, goals and risk tolerance to form the most suitable investment portfolio for the most effective diversification. Moreover, fund conversion generally does not charge conversion fees, so it is also welcomed by investors who look around the world.

(3) The "11 Plan" can easily realize its dream

Because the "11 Plan" has the advantages of low admission fee and flexible investment, it has been welcomed by investors and people who are interested in creating a happy life in recent years. There are many kinds of related products, and you must know the details when choosing them, such as admission fee, flexibility of contribution and extra rewards, so as to ensure that the relevant plans can truly achieve the personal financial management goals and enjoy the benefits. These plans can generally be invested in the form of monthly contributions, so that investors can easily achieve their financial goals.

(4) The biggest advantage of the monthly contribution fund is that investors can use the average cost method to reduce the impact of market fluctuations on investment returns, and they can also accumulate wealth with compound returns.

(5) Suitable for medium and long-term investment

Funds have always been the first choice for medium and long-term investment. The biggest feature of the "11 Plan" is that there is no fund conversion fee, and customers can switch funds more flexibly, thus making the medium and long-term investment more flexible.

Tips for Investing in Hong Kong Funds' Fixed Investment 11 Plan

(6) Only a little money

(for example, love FY, 15USD) can be used to carry out financial planning, which is very suitable for young people who are just in their infancy. As we step into different stages, we will spend more and more besides increasing our income, such as organizing families and raising children. Therefore, participants in investment plans can increase their contributions at any time to meet the financial goals that change with different ages.

(7) Fund conversion fees

At present, most of the "11 Plans"

provide more than 1 funds to choose and then let plan participants switch funds for free, including many well-known fund companies, covering a wide range of regions and industries, and including funds with different themes, so that plan participants can safely implement diversified investment strategies.

(8) Six elements

(1) Investment mode

Generally, it can be divided into two forms:

One-off form is most suitable for people who have accumulated certain assets, especially in the environment of low interest and high inflation. If you invest properly, you can avoid the depreciation of the relevant assets. In addition, when the market rises for a long time, because all the funds in the one-off investment will benefit from the increase, the return is of course lower than that in the form of monthly payment. The form of monthly payment allows investors to easily accumulate wealth and achieve their life goals. In addition to reducing the pressure of investors' cash loss, the monthly payment form can also make full use of the advantages of the average cost method. In a volatile market, it is not only safer than a one-off investment, but also can achieve better returns.

(II) Institutional background

The supervision of financial institutions in Hong Kong is extremely strict. Generally, financial institutions that can provide financial products in Hong Kong are internationally renowned. When choosing these institutions, investors should not only consider their popularity, but also pay attention to their international ratings to ensure the stability of the institutions. If the relevant financial institutions are listed on recognized exchanges, their financial data will be more transparent, so it is more desirable.

(3) flexibility of planning

nowadays, financial products in the form of monthly payment will provide investors with flexible contribution arrangements to cope with changes in their financial situation. Most of these products have an initial contribution period, generally ranging from 18 months to 24 months. After the initial contribution period, investors can choose to reduce their contributions or even stop them altogether. In addition, after the end of the initial contribution period, the funds invested in the future will be transferred to the "accumulated contribution account". The cumulative contribution account of some products is more like a bank account, allowing investors to withdraw funds including returns at any time to meet sudden needs and make this long-term investment more flexible. Finally, investors should also pay attention to the restrictions on flexibility, such as the level to which contributions can be reduced, whether there is a time limit for stopping contributions, and the terms and fees for early surrender.

(D) Charge level

Every financial product will have a fixed charge mode and items. For financial products in the form of monthly payment, there will generally be a fixed planned monthly fee, a charge ratio calculated according to the initial contribution account value and a charge ratio calculated according to the accumulated contribution account value. Consumers should carefully calculate and compare the total charge level. In addition, this kind of products will generally allow investors to choose up to ten funds when they participate in the plan, and they can switch at any time. Investors should also pay attention to whether the plan provides unlimited free fund switching services or start charging after a certain number of switches.

(V) Fund Selection

Everyone has different return targets and risk tolerance levels. Whether the relevant plans can provide enough types of funds will become the key for investors to achieve their financial management goals. Therefore, when choosing a plan, it is advisable to first understand whether the fund selection has covered various asset categories, regions, industries, theme investment methods, etc. More ideally, the fund selection it provides has achieved good results in its field.

(6) Additional rewards

Some financial products in the form of monthly payment will provide different rewards according to the term and amount of the relevant plan, and the extra amount will be used to purchase more fund units, which will help investors accumulate wealth more quickly.

2. Advantages of the plan

(1) There are many kinds of funds to choose from

Compared with mainland funds, Hong Kong funds have many kinds, wide coverage and different risks, and investors can use these characteristics to disperse and control risks. These include bond funds, stock funds, diversified funds, funds in funds, index funds, guarantee funds and hedge funds.

(2) The supervision of the CSRC is moderate

The Hong Kong Securities Regulatory Commission provides a flexible mechanism to enable Hong Kong investors to obtain comprehensive information, especially to promote product innovation and market diversification.

(3) The high quality of Hong Kong fund managers

Because of their unique language advantages and financial management ability, they also participate in the allocation of funds and the selection of investment targets to the maximum extent. Different from the mainland, the investment managers of Hong Kong fund companies mostly communicate with the management of listed companies around the world, unlike the mainland market which is biased towards the investment and research mode from the research strength of securities firms, and know more about the actual situation of their investment targets. This professionalism is probably incomparable to the mainland fund managers.

(4) Higher investment flexibility

By investing in the investment-linked life insurance plan, you can inject additional investment amount at any time, freely and infinitely switch fund portfolios (traditional direct funds need to pay the switching fee every time), and even temporarily stop paying the premium when necessary (that is, exercise the deferred premium period).

(5) The monthly payment plan

can give full play to the advantages of the average cost method. Even if the market falls, investors will just use the average cost method to buy more units. When the market rises again in the future, investors will make more profits, avoid the choice of one-off investment in time, and reduce greed and panic to influence investors' mood and decision-making.

(6) Strive for potential investment return and life insurance at the same time.

(7) Get professional management and opinions on the investment-linked life insurance plan

By investing in the investment-linked life insurance plan, you can invest in the global market with a low investment amount, and you can freely choose to invest in the global fund market to spread investment risks. In addition, professional investment consultants can help you manage your investment funds and strive for ideal returns.

(8) You can continue to complete the investment plan even in case of illness or accident

In order to ensure that your long-term investment can be carried out as planned, the investment-linked life insurance plan is equipped with a total disability premium exemption supplementary plan, so that your investment can continue in case of illness or accident, which will help you realize your financial goals.

3. Disadvantages of the plan

If you plan to invest in the short term, this investment method will cost more.

4. Precautions

Generally speaking, funds can provide investors with diversified investment opportunities, and the risk of fund investment is usually lower than that of investing in a single investor, but it should be noted that different types of funds also have different investment risks and return levels. Before buying and selling funds, investors should first understand their investment objectives, direction and risk tolerance before making investment decisions. In addition, because the fund is diversified and the exchange rate and interest rate fluctuate, the value and income of the fund can go up or down. The past data and investment performance of funds in the market can only be used as a reference and guidance, and cannot guarantee the future investment return performance. The business in Shenzhen and Guangzhou is quite good, but it is not so obvious in other places.