Important Note
- Elite†, Executive Savings Plan†, Flexible Growth Plan†, International Investment Account†, International Pension Plan†, International Savings Plan†, Premier†, Premier II†, Premier Investment Plan†, Premier Ultra†, Summit†, Summit II† and Zenith† (collectively, the ‘Schemes’) are investment-linked assurance schemes under Class C linked long-term business as defined in the Insurance Companies Ordinance. They are life insurance policies issued by Friends Provident International Limited (‘Friends Provident International’). They are not funds authorised by the Hong Kong Securities and Futures Commission (‘SFC’) pursuant to the Code on Unit Trusts and Mutual Funds.
† These schemes are not available to new investors and are no longer marketed to the public in Hong Kong. All information about these schemes is only for existing policyholders. - The premiums you pay, after the deduction of any applicable fees and charges of your policy, will be invested by Friends Provident International in the ‘underlying funds’ corresponding to the investment-linked funds you selected and will accordingly go towards accretion of the value of your policy. Your policy value will be calculated by Friends Provident International based on the performance of the underlying funds corresponding to the investment-linked funds you selected from time to time and the ongoing fees and charges which will continue to be deducted from your policy value.
- Note, however, that all premiums you pay towards your policy, and any investments made by Friends Provident International in the underlying funds corresponding to the investment-linked funds you selected, will become and remain the assets of Friends Provident International. You do not have any rights or ownership over any of those assets. Your recourse is against Friends Provident International only.
- Due to the various fees and charges levied by Friends Provident International on your policy, the return on your policy as a whole may be lower than the return of the underlying funds corresponding to the investment-linked funds you selected.
- The investment-linked funds available under the Schemes can have very different features and risk profiles. Some may be of high risk.
- The Schemes are designed to be held for a long-term period. Early surrender or withdrawal of your policy may result in a significant loss of principal and bonuses awarded. Poor performance of underlying funds may further magnify your investment losses, while all charges are still deductible.
- Credit and insolvency risks - The Schemes are insurance policies issued by Friends Provident International. Your investments are subject to the credit risks of Friends Provident International.
- Foreign exchange risks - The investment returns of your policy may be subject to foreign exchange risks as some of the investment-linked funds may be denominated in a currency which is different from that of your policy.
- Investment involves risks and the value of investments may go up as well as down. Investment returns are not guaranteed. Past performance should not be viewed as an indication of future performance.
- You should not purchase any one of the Schemes unless you understand it and it has been explained to you how it is suitable for you. The final decision is yours. Friends Provident International strongly advises you to speak to your financial adviser before making any investment decisions.
- Please do not rely on the information in this website alone. For details of the features, including risk factors, fees and charges, of the Schemes, please refer to their respective offering documents.
Investment-linked funds information
The underlying investments of the investment-linked funds are unit trusts/mutual funds authorised by the Hong Kong Securities and Futures Commission ('SFC'). Such authorisation does not imply official recommendation. SFC authorisation is not a recommendation or endorsement of the unit trusts/mutual funds nor does it guarantee the commercial merits of the unit trusts/mutual funds or their performance. It does not mean the unit trusts/mutual funds are suitable for all investors nor is it an endorsement of its suitability for any particular investor or class of investors.
You should read the corresponding offering documents (including Product Key Facts Statement) of the underlying funds, which will be made available by our Hong Kong office upon request (including, without limitation, their investment objectives and policies, risk factors and charges).
To find out more about the risk/reward profile, please click here.
* FPIL sector - this is our high level grouping of the investment-linked funds to enable you to see which funds are in a similar investment category.
** Morningstar sector - this is Morningstar's more detailed categorisation of each investment-linked fund. Morningstar is a large US company based in Chicago who specialise in investment research and data.
| Fund code | Name of investment-linked fund | Currency | Risk/reward profile | * FPIL sector | ** Morningstar sector |
|---|---|---|---|---|---|
| P69 | BlackRock Sustainable Energy | USD | Grade 5 | Commodity & Energy | Sector Equity Alternative Energy |
| M82 | BlackRock World Gold | USD | Grade 5 | Commodity & Energy | Sector Equity Precious Metals |
| P70 | BlackRock World Mining | USD | Grade 5 | Commodity & Energy | Sector Equity Natural Resources |
| L19 | JPM Global Natural Resources | USD | Grade 5 | Commodity & Energy | Sector Equity Natural Resources |
| J42 | JPM USD Money Market VNAV | USD | Grade 1 | Currency/Money Market | USD Money Market - Short Term |
| M65 | Ninety One GS Sterling Money | GBP | Grade 1 | Currency/Money Market | GBP Money Market - Short Term |
| M66 | Ninety One GS US Dollar Money | USD | Grade 1 | Currency/Money Market | USD Money Market - Short Term |
| P65 | Aberdeen Standard SICAV I Asia Pacific Sustainable Equity | USD | Grade 5 | Equity - Asia Pacific excluding Japan | Asia-Pacific ex-Japan Equity |
| J48 | Allianz Emerging Asia Equity | USD | Grade 5 | Equity - Asia Pacific excluding Japan | Asia ex-Japan Equity |
| R44 | Allianz Total Return Asian Equity | USD | Grade 5 | Equity - Asia Pacific excluding Japan | Asia ex-Japan Equity |
| J03 | Barings Asia Growth | USD | Grade 5 | Equity – Asia Pacific excluding Japan | Asia ex-Japan Equity |
| R30 | FSSA Asian Equity Plus | USD | Grade 4 | Equity - Asia Pacific excluding Japan | Asia-Pacific ex-Japan Equity |
| R25 | Invesco Asia Opportunities Equity | USD | Grade 5 | Equity - Asia Pacific excluding Japan | Asia ex-Japan Equity |
| J02 | Invesco Asian Equity | USD | Grade 5 | Equity - Asia Pacific excluding Japan | Asia ex-Japan Equity |
| R08 | JPMorgan ASEAN | USD | Grade 4 | Equity - Asia Pacific excluding Japan | ASEAN Equity |
| J34 | JPMorgan Asia Growth | USD | Grade 5 | Equity - Asia Pacific excluding Japan | Asia ex-Japan Equity |
| P66 | JPMorgan Asian Smaller Companies | USD | Grade 5 | Equity - Asia Pacific excluding Japan | Asia ex-Japan Small/Mid-Cap Equity |
| P40 | Value Partners High-Dividend Stocks | USD | Grade 4 | Equity - Asia Pacific excluding Japan | Asia ex-Japan Equity |
| J32 | JPMorgan Pacific Securities | USD | Grade 5 | Equity - Asia Pacific including Japan | Asia-Pacific Equity |
| L100 | Barings Eastern Europe (USD) | USD | Grade 5 | Equity - Emerging Europe | Emerging Europe Equity |
| P48 | Barings Eastern Europe Side-Pocket (USD) (Currently unavailable. Suspended to all trading) | USD | Grade 5 | Equity - Emerging Europe | Emerging Europe Equity |
| R11 | Aberdeen Standard SICAV I Emerging Markets Smaller Companies | USD | Grade 5 | Equity - Emerging Markets | Global Emerging Markets Small/Mid Cap Equity |
| R62 | Allianz GEM Equity High Dividend | USD | Grade 5 | Equity - Emerging Markets | Global Emerging Markets Equity |
| L12 | Fidelity EMEA | USD | Grade 5 | Equity - Emerging Markets | Other Equity |
| L99 | Fidelity EMEA Side-Pocket (USD) (Currently unavailable. Suspended to all trading) | USD | Grade 5 | Equity - Emerging Markets | Other Equity |
| J38 | Invesco Emerging Markets Equity | USD | Grade 5 | Equity - Emerging Markets | Global Emerging Markets Equity |
| L38 | Schroder Frontier Markets Equity | USD | Grade 5 | Equity - Emerging Markets | Global Frontier Markets Equity |
| P58 | Templeton BRIC | USD | Grade 5 | Equity - Emerging Markets | BRIC Equity |
| J60 | Templeton Emerging Markets | USD | Grade 5 | Equity - Emerging Markets | Global Emerging Markets Equity |
| J84 | Fidelity Sustainable Europe Equity | EUR | Grade 5 | Equity - Europe | Eurozone Large-Cap Equity |
| P51 | Franklin Mutual European | EUR | Grade 5 | Equity - Europe | Europe Large-Cap Value Equity |
| L40 | Invesco Continental European Small Cap Equity | USD | Grade 5 | Equity - Europe | Europe ex-UK Small/Mid-Cap Equity |
| J36 | Ninety One GS European Equity | USD | Grade 5 | Equity - Europe | Europe Large-Cap Blend Equity |
| J76 | Principal European Responsible Equity (USD) | USD | Grade 5 | Equity - Europe | Europe Large-Cap Blend Equity |
| L46 | Fidelity Global Dividend | USD | Grade 4 | Equity - Global | Global Equity Income |
| M87 | Invesco Global Small Cap Equity | USD | Grade 5 | Equity - Global | Global Small/Mid-Cap Equity |
| L18 | JPM Global Growth | USD | Grade 5 | Equity - Global | Global Large-Cap Growth Equity |
| L42 | Natixis Harris Associates Global Equity | USD | Grade 5 | Equity - Global | Global Large-Cap Value Equity |
| J06 | Ninety One GS Global Equity | USD | Grade 4 | Equity - Global | Global Large-Cap Blend Equity |
| J74 | Ninety One GS Global Strategic Equity | USD | Grade 5 | Equity - Global | Global Large-Cap Blend Equity |
| R33 | Schroder Global Equity Yield (EUR) | EUR | Grade 4 | Equity - Global | Global Equity Income |
| R32 | Schroder Global Equity Yield (USD) | USD | Grade 4 | Equity - Global | Global Equity Income |
| J37 | Schroder Latin American | USD | Grade 5 | Equity - Latin America | Latin America Equity |
| P52 | Templeton Latin America | USD | Grade 5 | Equity - Latin America | Latin America Equity |
| J77 | BlackRock US Flexible Equity | USD | Grade 4 | Equity - North America | US Large-Cap Blend Equity |
| L47 | Fidelity America | USD | Grade 4 | Equity - North America | US Large-Cap Value Equity |
| J39 | Schroder US Smaller Companies | USD | Grade 5 | Equity - North America | US Small-Cap Equity |
| P33 | Aberdeen Standard SICAV I All China Sustainable Equity (USD) | USD | Grade 5 | Equity - Single Country | China Equity |
| P54 | Aberdeen Standard SICAV I Indian Equity | USD | Grade 5 | Equity - Single Country | India Equity |
| R63 | Allianz Japan Equity | USD | Grade 5 | Equity - Single Country | Japan Large-Cap Equity |
| M56 | Barings Australia | USD | Grade 5 | Equity - Single Country | Australia & New Zealand Equity |
| M55 | Barings Hong Kong & China | USD | Grade 5 | Equity - Single Country | China Equity |
| J46 | Barings Korea Feeder | USD | Grade 5 | Equity - Single Country | Korea Equity |
| P56 | BlackRock Japan Opportunities | USD | Grade 5 | Equity - Single Country | Japan Small/Mid-Cap Equity |
| P89 | BNP Paribas Brazil Equity | USD | Grade 5 | Equity - Single Country | Brazil Equity |
| R51 | FSSA China Growth | USD | Grade 5 | Equity - Single Country | China Equity |
| R31 | FSSA Greater China Growth | USD | Grade 5 | Equity - Single Country | Greater China Equity |
| J55 | HSBC Chinese Equity | USD | Grade 5 | Equity - Single Country | China Equity |
| J56 | HSBC Hong Kong Equity | USD | Grade 5 | Equity - Single Country | Hong Kong Equity |
| L14 | HSBC Russia Equity (Currently unavailable. Suspended to all trading) | USD | Grade 5 | Equity - Single Country | Russia Equity |
| R98 | Janus Henderson Horizon China Opportunities (Closed to new investment/switches-in) |
USD | Grade 5 | Equity - Single Country | China Equity |
| R09 | JPM Taiwan | USD | Grade 5 | Equity - Single Country | Taiwan Large-Cap Equity |
| J30 | JPMorgan India | USD | Grade 5 | Equity - Single Country | India Equity |
| L86 | JPMorgan India Smaller Companies (USD) | USD | Grade 5 | Equity - Single Country | India Equity |
| L36 | JPMorgan Indonesia | USD | Grade 5 | Equity - Single Country | Indonesia Equity |
| J47 | JPMorgan Thailand | USD | Grade 5 | Equity - Single Country | Thailand Equity |
| J71 | Schroder Japanese Opportunities | USD | Grade 5 | Equity - Single Country | Japan Flex-Cap Equity |
| L83 | BlackRock United Kingdom (GBP) | GBP | Grade 4 | Equity - UK | UK Large-Cap Equity |
| M83 | Schroder Asian Bond Total Return | USD | Grade 3 | Fixed Interest - Asia | Asia Bond |
| R97 | Templeton Asian Bond (USD) | USD | Grade 3 | Fixed Interest - Asia | Asia Bond - Local Currency |
| L51 | Value Partners Greater China High Yield Income | USD | Grade 4 | Fixed Interest - Asia | Greater China High Yield Bond |
| L84 | BlackRock Emerging Markets Corporate Bond (USD) | USD | Grade 3 | Fixed Interest - Emerging Markets | Global Emerging Markets Corporate Bond |
| L45 | Invesco India Bond | USD | Grade 3 | Fixed Interest - Emerging Markets | Other Bond |
| L13 | Templeton Emerging Markets Bond | USD | Grade 4 | Fixed Interest - Emerging Markets | Global Emerging Markets Bond - Local Currency |
| J87 | Fidelity Euro Bond | EUR | Grade 2 | Fixed Interest - Europe | EUR Diversified Bond |
| P74 | Invesco Euro Corporate Bond (Closed to new investment/switches-in) |
EUR | Grade 2 | Fixed Interest - Europe | EUR Corporate Bond |
| J27 | Barings Developed and Emerging Markets High Yield Bond Fund | USD | Grade 3 | Fixed Interest - Global | Global High Yield Bond |
| P87 | Barings Global Bond (EUR) | EUR | Grade 3 | Fixed Interest - Global | Global Bond |
| M57 | Barings Global Bond (USD) | USD | Grade 3 | Fixed Interest - Global | Global Bond |
| P67 | Mellon Global Bond (USD) | USD | Grade 2 | Fixed Interest - Global | Global Bond |
| L33 | PIMCO Global High Yield Bond | USD | Grade 3 | Fixed Interest - Global | Global High Yield Bond |
| L22 | PIMCO Global Real Return (Closed to new investment/switches-in) |
USD | Grade 3 | Fixed Interest - Global | Global Inflation-Linked Global Bond - USD Hedged |
| P90 | Schroder Global Corporate Bond (USD) | USD | Grade 2 | Fixed Interest - Global | Global Corporate Bond - USD Hedged |
| P92 | Schroder Strategic Bond (USD) (Closed to new investment/switches-in) |
USD | Grade 2 | Fixed Interest - Global | Global Flexible Bond |
| L85 | Fidelity US Dollar Bond | USD | Grade 3 | Fixed Interest - US | USD Diversified Bond |
| J43 | Ninety One GS Global Multi-Asset Income | USD | Grade 3 | Global Managed | USD Cautious Allocation |
| L37 | Schroder Global Multi-Asset Income (GBP HDG) | GBP | Grade 3 | Global Managed | GBP Moderate Allocation |
| L41 | Schroder Global Multi-Asset Income (USD) | USD | Grade 3 | Global Managed | USD Moderate Allocation |
| P61 | Janus Henderson Horizon Asia-Pacific Property Income | USD | Grade 5 | Property | Property - Indirect Asia |
| P83 | Schroder Global Cities (EUR) | EUR | Grade 4 | Property | Property - Indirect Other |
| P82 | Schroder Global Cities (USD) | USD | Grade 4 | Property | Property - Indirect Global |
| J96 | Aberdeen Standard SICAV I Global Innovation Equity | USD | Grade 5 | Specialist | Sector Equity Technology |
| L39 | Franklin Biotechnology Discovery | USD | Grade 5 | Specialist | Sector Equity Biotechnology |
| J57 | Invesco Global Health Care Innovation | USD | Grade 5 | Specialist | Sector Equity Healthcare |
| J95 | JPMorgan Pacific Technology | USD | Grade 5 | Specialist | Sector Equity Technology |
| S112 | Jupiter Financial Innovation | USD | Grade 5 | Specialist | Sector Equity Financial Services |
| L21 | Pictet Global Environmental Opportunities (Closed to new investment/switches-in) |
USD | Grade 5 | Specialist | Sector Equity Ecology |
| R34 | Schroder Global Climate Change Equity | USD | Grade 5 | Specialist | Sector Equity Ecology |