Important Notes:

1. The MASS Mandatory Provident Fund Scheme (“Scheme”) is a mandatory provident fund scheme.
2. Investment involves risks and not all investment choice available under the Scheme would be suitable for everyone. There is no assurance on investment returns and your investments/accrued benefits may suffer significant loss.
3. You should consider your own risk tolerance level and financial circumstances before making any investment choices. When, in your selection of funds, you are in doubt as to whether a certain fund is suitable for you (including whether it is consistent with your investment objectives), you should seek financial and/or professional advice and choose the fund(s) 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 contributions made and/or benefits transferred into the Scheme will be invested in all the constituent funds of the Scheme in equal shares (to the extent practically possible) in accordance with the default fund arrangement as stated in Clause 5.2.3 of the Principal Brochure of the Scheme, and such arrangement may not necessarily be suitable for you.
4. The Guaranteed Fund under the Scheme invests solely in an approved pooled investment fund in the form of insurance policy provided by MassMutual Asia Limited. The guarantee is also given by MassMutual Asia Limited. Your investments in the Guaranteed Fund, if any, are therefore subject to the credit risks of MassMutual Asia Limited. The guarantee will only be provided by MassMutual Asia Limited if and when a scheme member withdraws money from the Guaranteed Fund as a result of any one of the following qualifying events: a) attainment of normal retirement age; b) attainment of early retirement age; c) death or d) total incapacity. The guarantee only applies to a full withdrawal of accrued benefits as a result of a qualifying event. Please refer to Clauses 3.1.1 and 4.3.2 of the Principal Brochure of the Scheme for details of the credit risk, guarantee features and guarantee conditions.
5. Fees and charges of an MPF Conservative Fund can be deducted from either (i) the assets of the fund or (ii) members’ account by way of unit deduction. The MPF Conservative Fund under the Scheme uses method (i) and, therefore, unit prices/ net asset value/ fund performance quoted have incorporated the impact of fees and charges.
6. For further details including the product features and risks involved, please refer to the relevant clauses, in particular Clause 3, of the Principal Brochure of the Scheme.