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信安強積金表現再獲殊榮Principal MPF Performance Again Recognized for Achievement

信安「尊信會」通訊 Club Update

第三十四期•二零一三年五月 Issue No. 34 • May 2013

• 信安強積金表現再獲殊榮

• 信安新推出債券基金及下調基金管理費

• 信安2013年第一浪宣傳攻勢

• 信安為成員舉辦興趣班及教育講座

• 義工活動：探訪獨居長者

• 僱員自選安排的常見疑問

• Principal MPF Performance Again Recognized for Achievement

• Principal’s New Bond Fund Launch and Lower Management Fee

• Principal’s First Wave of Branding Promotion Campaign in 2013

• Principal Organized Interest Classes and Education Seminar for Members

• Volunteer Service: Home Visiting for the Elderly

• FAQ on Employee Choice Arrangement

信安強積金的表現再獲肯定。我們奪得以下由

Asia Asset Management 頒發的The 2013 MPF Awards中的多個獎項。

我們的強積金計劃奪得以下獎項：

• 積金評級2013年度金級計劃

• 積金評級2013年度銀級計劃

我們強積金計劃中的其中三項成分基金亦奪得

以下獎項：

• 最佳一年回報 — 股票基金（亞洲）

• 最佳一年回報 — 混合資產基金（41至60）

• 最佳一年回報 — 混合資產基金（81至100）

我們深信這些獎項不但嘉許基金一年內的出色

表現，並肯定了信安一直努力不懈地追求卓越

的堅持。我們將繼續提升我們的服務水平，致

力為客戶提供高質素的強積金服務。有關各獎

項的詳情，請瀏覽Asia Asset Management網址 (www.asiaasset.com)。

摘要 Highlights :

The performance of Principal’s MPF has been further recognized. We received the following awards in The 2013 MPF Awards from Asia Asset Management.

Our MPF schemes won the following awards:

• MPF Ratings Gold Rating Scheme 2013

• MPF Ratings Silver Rating Scheme 2013

Three of the constituent funds under our MPF schemes also won the following awards:

• Best 1 Year Performance – Equity Fund (Asia)• Best 1 Year Performance – Mixed Asset

Fund 41-60• Best 1 Year Performance – Mixed Asset

Fund 81-100We believe that these awards are not only the rewards for the funds’ outstanding performance over the past year, but also the recognition of Principal’s commitment to striving for excellence. We will remain dedicated to enhancing our services and providing high-quality MPF services to our clients. For details of the fund awards, please refer to the website of Asia Asset Management (www.asiaasset.com).

信安新推出債券基金及下調基金管理費Principal’s New Bond Fund Launch and Lower Management Fee

有關新推出的債券基金及下調基金管理費詳情（包括條款與細則），歡迎致電

客服務熱線 : (852) 2827 1233查詢或瀏覽本公司網頁www.principal.com.hk

投資涉及風險。基金價值可升可跌。您不應單靠此宣傳品作出投資決定。您

必須參閱有關強積金計劃的主要推銷刊物，以便獲得進一步資料（包括成分

基金的投資政策、風險因素、費用及收費）。

For details including terms and conditions of the newly launched bond fund and fee reduction, please call our Customer Service Hotline: (852) 2827 1233 or visit our website www.principal.com.hk.

Investment involves risks. The value of the funds may go up and down. You should not invest in reliance on this marketing material alone. You should read the Principal Brochure of the MPF schemes for further details (including investment policy, risk factors, fee and charges of the constituent funds).

信安強積金專業專心信安強積金

專業專心

信安強積金計劃

600系列主要推銷刊物

Principal MPF Scheme

Series 600Principal Brochure

信安強積金專業專心

信安強積金專業專心

信安強積金計劃600系列主要推銷刊物

Principal MPF SchemeSeries 600Principal Brochure

Ms Monica Wong, Head of Pension Sales & Distribution, received the award at the Award Reception of The 2013 MPF Awards.

信安營業及業務拓展主管(退休金)黃慕蘭小姐在The 2013 MPF Awards的頒獎禮上接受獎項。

信安2013年第一浪宣傳攻勢Principal’s First Wave of Branding Promotion Campaign in 2013

信安繼續透過各種平台以「信安強積金•專業專心」為主

題，積極推廣我們專業專心的強積金服務提供者形象。

信安於電視、港鐵及電車進行宣傳，包括在農曆新年期

間於Now TV播放為時10秒的祝賀廣告，及於4月至5月推出一系列令人注目的地鐵宣傳。後者包括由4月開始一連4個星期於港島線、觀塘線及荃灣線推出的車廂廣告、於4月中推出車箱電子屏幕廣告及於5月在銅鑼灣港鐵站C3及C4出口推出的大型牆貼廣告。此外，我們亦於5月下旬至7月下旬，推出電車車身廣告。

Principal has launched a wave of promotional campaign through various channels with the key slogan to reinforce our brand as a professional MPF services provider. Principal cooperated with TV, MTR and tramcar to put up our advertisements which included a 10-second congratulatory TV commercial at Now TV during Chinese New Year and a series of eye-catching advertisements in MTR stations in April and May. The latter included compartment sticker advertisements on HK Island, Kwun Tong and Tsuen Wan Lines of MTR for 4 consecutive weeks starting from April, information panel advertisement inside the MTR compartments in mid April and large-scale poster-on-wall advertisements at exits C3 and C4 of Causeway Bay station in May. Moreover, there were also body wrap advertisements on tramcars from late May to late July.

MTR Compartment Ads

港鐵車廂廣告

Ads at MTR Causeway Bay station

銅鑼灣港鐵站大型牆貼廣告

Tramcar Body Wrap Ads

電車車身廣告

TV commercial on Now TV during Chinese New Year

Now TV 農曆新年電視廣告

信安為成員舉辦興趣班及教育講座Principal Organized Interest Classes and Education Seminar for Members

除了提供優質的強積金服務，信安不忘履行其社會責

任。在2012年12月，信安跟香港家庭福利會合作舉辦義工探訪活動。信安員工積極參與活動，到將軍澳區內

的公共屋邨探訪獨居長者。除了跟長者閒談以了解他們

的生活，義工隊亦向他們贈送禮物，包括乾糧、煮食麵

及其他日常用品。透過是次有意義的活動，信安將對社

會的關懷帶到社區裡的長者及弱勢社群。

Apart from providing excellent MPF services to our clients, Principal is committed to discharging its social responsibility. In December 2012, Principal co-organized with the Hong Kong Family Welfare Society on home visits to elderly living alone in public housing estates in Tseung Kwan O district. Our volunteers not only talked to the elderly to know more about their daily life, but also handed out gifts of food, packaged noodles as well as some daily necessities to them. Through this meaningful experience, Principal showed our social care to the elderly and the underprivileged in our society.

義工活動：探訪獨居長者Volunteer Service: Home Visiting for the Elderly

Principal’s staff actively participated in volunteer services

信安員工積極參與義工活動

Volunteers offered gifts of food and daily necessities to elderly living alone

義工為獨居長者送上食物及日用品

信安一直致力為各成員帶來精彩的禮遇及優惠，所以信安特別於

2013年1月及至2月分別為成員舉辦虹吸式藍山咖啡品味班及紅酒入門工作坊，讓參加者能夠輕鬆享受優質咖啡及紅酒並學習相關的

基礎品嚐技巧。除了興趣班外，我們亦在3月舉辦了「幼稚園及小學選校淺談」講座，並邀請了教育顧問向參加者提供為子女升學選校的

秘訣，讓他們做好準備。

Principal has been committed to bringing our prestigious members unparalleled and exclusive privileges and benefits. In this regard, we organized Siphon Brewing Blue Mountain Coffee Tasting Class and Red Wine Workshop for our members in January and February 2013. These classes allowed the participants to relax by enjoying high quality coffee and red wine and learning the basic skills of coffee tasting and wine appreciation. Apart from the interest classes, we also held the education seminar“How to Select a Kindergarten/ Primary School” and invited an education consultant to provide tips to participants to prepare for the selection of schools for their children in March.

The education consultant shared his tips with parents on selecting kindergarten and primary schools for children at the Education Seminar教育顧問於講座中與家長分享幼稚園及小學選校之道

Participants paid attention to the wine connoisseur’s sharing on wine appreciation參加者專心聆聽紅酒導師講解如何品嚐紅酒

The Red Wine Workshop introduced different types of

bottles to sharpen participants’ tasting techniques

工作坊介紹多種紅酒，提升參加者的賞酒能力

The professional barista showed coffee lovers how to use

a siphon coffee maker to make quality coffee

專業咖啡師示範如何用虹吸

式咖啡壺沖泡優質咖啡

僱員自選安排的常見疑問FAQ on Employee Choice Arrangement

如對信安「尊信會」通訊有任何查詢或意見，請致電 (852) 2827 1233 或電郵至hkinfo@exchange.principal.com，與我們的客戶服務代表聯

絡。歡迎瀏覽信安網頁www.principal.com.hk以獲得更多關於信安的資訊。

For questions or comments on Principal Club Update, please contact our Customer Service Hotline at (852) 2827 1233 or email us at

hkinfo@exchange.principal.com. You can also visit www.principal.com.hk to know more about Principal.

本宣傳品並未經證券及期貨事務監察委員會審核。This marketing material has not been reviewed by the Securities and Futures Commission.

© 2013版權屬信安信託（亞洲）有限公司所有。Copyright © 2013 Principal Trust Company (Asia) Limited.

本宣傳品之發行人 : 信安信託（亞洲）有限公司及信安資金管理（亞洲）有限公司

Issuer of this material : Principal Trust Company (Asia) Limited and Principal Asset Management Company (Asia) Limited

疑問一：每公曆年一次＝每隔12個月一次？

不是。

僱員自選安排下，打工仔可將現職供款帳戶內僱員部分的強制性供款和投資回報，每公曆年一次，轉移至自選的強積金

計劃。「公曆年」是指每年的1月1日至12月31日；假設你在2013年9月轉移了權益，你最快可在2014年1月行使新一年的轉移權。

疑問二：僱員轉移權益後，僱主日後將新供款存入哪個帳戶？

僱主仍須將隨後的新供款（包括僱主及僱員部分）存入僱主沿用的受託人及計劃的供款帳戶，而並非僱員自選的新計劃。

疑問三：投資空檔期是否長達6至8個星期？

不是；投資空檔期一般長約1至2個星期。轉移權益涉及原受託人將資產轉至新受託人，程序包括新舊受託人核實計劃成員的資料、買賣基金等多個步驟，一般需

時6至8個星期。由原受託人贖回基金至新受託人購入基金前，一般會出現一段約1至2個星期的投資空檔，計劃成員的累算權益沒有投資在任何基金，期間基金價格可能因市場波動而出現變化，有機會令計劃成員「低賣高買」，所以計劃成

員要特別留心。

資料來源：積金局

Q1. Does “once per calendar year” mean “once every 12 months”?

No. Under the Employee Choice Arrangement (ECA), employees may transfer their mandatory contributions and investment returns in their MPF contribution account under current employment to another MPF account of their own choice once per calendar year. “Calendar year” means the period from 1 January to 31 December in any given year. If you make a transfer under ECA in September 2013, you can apply for another transfer in January 2014 at the earliest.

Q2. If an employee has made a transfer, to which account should his employer make subsequent MPF contributions?

The employer should continue to make MPF contributions for both employer and employee portions to the trustee and scheme chosen by the employer, not to the new trustee and scheme chosen by the employee.

Q3. Does the out-of-market period last 6 to 8 weeks?

No. Your benefits will be out of market for generally around 1 to 2 weeks. Transferring benefits from the original trustee to the new one involves a number of steps, which include verification of the scheme member’s personal data by both trustees, and redeeming and purchasing fund units. The whole process takes about 6 to 8 weeks. After the original trustee has redeemed the funds and before the new trustee subscribes to new ones, there will generally be around 1 to 2 weeks during which the accrued benefits will not be invested in any fund. During that period, fund prices may fluctuate, and there is a chance of the scheme member “selling low and buying high”. Scheme members making transfers under ECA should be aware of this risk.

Source: MPFA