Achieve financial goals by monthly investment
Monthly Investment Plan Features:
Lower Investment Amount
You have the flexibility with the monthly investment amount as low as HK$1,000 based on your investment goals to start your saving plan after selecting the suitable schemes.
Dollar Cost Averaging
By investing regularly, you may enjoy the benefits of "Dollar-Cost-Averaging". You will buy more units at market lows and less units at market highs. In the long run, the “Dollar-Cost-Averaging” averages out the unit cost and therefore reduces the effects of short term market fluctuation on your investment.
Example of Monthly Investment Plan for Funds
“Dollar-Cost Averaging” is an investment strategy which an investor periodically purchases unit in a fund with a fixed amount, regardless of the asset's price and at regular intervals.
More units are purchased for the fixed amount when the unit price drops. Conversely, fewer units are purchased when the unit price rises. As a result, it lowers investors cost basis on an investment over time and reduces the overall impact of price volatility.
| Month | Monthly Contribution (Net of Fee) (HK$) |
Unit Price (HK$) |
Purchased Units |
|---|---|---|---|
| 1 | $1,000 | $9.00 | 111.11 |
| 2 | $1,000 | $8.60 | 116.28 |
| 3 | $1,000 | $8.80 | 113.64 |
| 4 | $1,000 | $8.50 | 117.65 |
| 5 | $1,000 | $8.40 | 119.05 |
| Total | $5,000 | 577.72 |
The above figures are for illustrative purpose only and the actual performance of the product may differ from the figures shown.
| The Average price per unit (HK$): | = Total Net Contribution / Total Purchased Units |
| = $5000 / 577.72 | |
| = 8.65 |
Flexible Payment Methods
Simple payment method by Autopay via your savings or current account at OCBC Bank. You may also use your OCBC Credit Card^ for monthly payment to enjoy up to 54 days' interest free period.
^ If the monthly investment is settled by credit card, such amount will not entitle any rewards under "Cash Rebate" and "OCBC Bank Mileage" Scheme.
“To borrow or not to borrow? Borrow only if you can repay!” Terms and Conditions apply.
Portfolio Performance
You will receive monthly statement detailing every transaction and market value of your portfolio so that you can monitor the portfolio performance easily.
Calculate your required investment amount
If your investment target is HK$1,000,000 in total in 10 years, how much is your monthly investment amount should be?
Monthly Investment Plan
| Years of investment |
Annual rate of return1 5% |
10% | 15% |
|---|---|---|---|
| 5 | $14,644 | $12,807 | $11,151 |
| 10 | $6,413 | $4,841# | $3,589 |
| 15 | $3,726 | $2,393 | $1,477 |
| 20 | $2,423 | $1,306 | $660 |
# If your investment target is HK$1,000,000 in 10 years' time with 10% annual rate of return continuously, you have to invest approximately HK$4,841 each month from now on!
Make your own calculation now!Manage your Unit Trust portfolio through Mobile Banking
Start your investment planning today! Please visit any OCBC Bank branches with investment corner for enquiries or fund subscription. Moreover, you may subscribe a Unit Trust or set up a Unit Trust Monthly Investment Plan via internet banking through Personal eBanking.
