Investment-Linked

Important Notes
Overview

Important Notes for Aviva Global Investment Account:

Aviva Global Investment Account is an insurance contract issued by Aviva Life Insurance Company Limited ("Aviva") and your investments are subject to the credit risk of Aviva.
Investors are not investing into the underlying funds and do not have the ownership rights of the assets of the underlying funds. Return on investment is calculated with reference to the fluctuations of the performances of the underlying funds. Each underlying fund has its own investment objective and risk factors.
Should investors terminate this insurance contract early, they may suffer a substantial loss in their investments, premiums paid and bonus.
You should not purchase this product unless you understand it and it has been explained to you how it is suitable for you. The final decision is yours.
You should not rely on this information alone and you should refer to the principal brochure of Aviva Global Investment Account for details.

Aviva Global Investment Account

Aviva Global Investment Account is an investment-linked assurance plan that offers you a world of quality investment-linked funds, the underlying funds of which are managed by the experienced talents in the business. With a minimum of HK$100,000, you gain access to these high quality investment-linked funds through one simple account.

Key Features of Aviva Global Investment Account:

A wide range of investment-linked funds, of which their underlying funds are managed by global experts
Six contract currencies to choose from: HKD, USD, GBP, EURO, AUD, and SGD
Unlimited fund switching allows you to adjust your portfolio anytime. Minimum amount per switch is HK$10,000. Currently, there is no switching fee applied.
Easy Save Option allows you added flexibility by investing by instalments. If you choose the Easy Save Option, a shortfall fee will be imposed when the total amount of premiums paid within the first 12 months does not meet the minimum account value requirement (HK$ 100,000).
Bonus units that enhance potential future returns. Bonus units will be offered for investments equal to or greater than HK$300,000 per year. Bonus units will form part of your account value and are subject to the fees applicable to the plan.
Efficient tax arrangement through clustering. Your policy will be segmented into identical clusters to capture tax planning opportunities. Under the present tax laws in Hong Kong, your account is not subject to income tax or capital gains tax at source. However, the taxes applicable to your account may depend on the tax laws in your country of nationaility or residency.
Fees and Charges

Policy Charges:

Establishment Fee (for both initial and subsequent investment)
For the first 3 policy years, establishment fee will be charged on premiums paid.

Management Fee
Management Fee will be charged on the net asset value of your policy.

Exit Fee (for both initial and subsequent investment)
For the first 5 policy years, Exit Fee (subject to a maximum of 8%) may apply for both partial withdrawal and surrender.

Shortfall Fee (Applicable to investors using Easy Save Option)
Shortfall Fee applies only if premiums paid via Easy Save Option do not meet the minimum account value.

Underlying Fund Charges:

Annual Management Charge
Annaul Management Charge is levied by the underlying fund manager(s) and vary depending on the investment-linked fund(s) selected.

For full details of fees and charges, please refer to the principal brochure of Aviva Global Investment Account.

This information is issued by Aviva

Notes:

Please refer to principal brochure for more details on the plan, including fees and charges and risk factors.
Prospective investors should consult their financial planning advisers before entering into an investment of this nature.
This plan is intended for a medium to long-term investment. Should you terminate this insurance contract early, you may suffer a substantial loss in your investments and premiums paid.
Investment involves risks. Investment-linked funds investment returns may fluctuate and are not guaranteed. Past performance is not indicative of future performance. No representation, warranty or guarantee concerning the performance, return and/or profitability of the Policy (or underlying investments) is given by Aviva whether orally or in writing.
The profit or loss in transactions in your contracts will be affected by fluctuations in currency rates where there is a need to convert from the currency denomination of the contract to another currency.
AVIVA GLOBAL INVESTMENT ACCOUNT AND ITS DOCUMENTATION HAVE BEEN AUTHORISED BY THE SECURITIES AND FUTURES COMMISSION PURSUANT TO SECTIONS 104(1) AND 105(1) OF THE SECURITIES AND FUTURES ORDINANCE. HOWEVER, SUCH AUTHORISATION DOES NOT IMPLY OFFICIAL RECOMMENDATION.

Important Notes
Overview

Important Notes for Aviva Global Savings Account:

Aviva Global Savings Account is an insurance contract issued by Aviva Life Insurance Company Limited ("Aviva") and your investments are subject to the credit risk of Aviva. It is not nor should it be treated as a bank savings account and it is not protected by the Deposit Protection Scheme.
Investors are not investing into the underlying funds and do not have the ownership rights of the assets of the underlying funds. Return on investment is calculated with reference to the fluctuations of the performances of the underlying funds. Each underlying fund has its own investment objective and risk factors.
Should investors terminate this insurance contract early, they may suffer a substantial loss in their investments, premiums paid and bonus.
You should not purchase this product unless you understand it and it has been explained to you how it is suitable for you. The final decision is yours.
You should not rely on this information alone and you should refer to the principal brochure of Aviva Global Savings Account for details.

Aviva Global Savings Account

Aviva Global Savings Account is an investment-linked assurance plan that enables you to gain access to the world’s investment markets. This plan is not nor should it be treated as a bank savings account and it is not protected by the Deposit Protection Scheme. With a minimum monthly contributions of HK$1,500, you can choose from a selection of high quality investment-linked funds, the underlying funds of which are managed by leading international fund management companies. You also have the flexibility to switch between the investment-linked funds at any time, so you can always adjust your strategy as needed.

Key Features of Aviva Global Savings Account:

Access to a wide range of investment-linked funds, of which their underlying funds are managed by global experts
Unlimited investment-linked fund switching allows you to adjust your portfolio anytime. Currently, there is no switching fee applied.
Six contract currencies at your choice: HKD, USD, GBP, EURO, AUD, and SGD
Option to vary regular premium contribution subject to the approval of Aviva. The regular premium contribution can be increased anytime subject to the minimum remaining policy term requirement prevailing at the time of your request and the requirement on minimum regular premium increase. Currently, the minimum monthly regular premium increase for HKD contract currency is HK$400. The 18-month Initial Contribution Period (ICP) for the increased portion of the regular premium contribution will start at the next appropriate premium due date from the receipt date of the increased premium. Also the regular premium contribution can be reduced anytime after the ICP provided that the regular premium contribution after reduction is not less than the minimum regular premium instalment amount prevailing at the time of your request. Currently, the minimum monthly regular premium instalment for HKD contract currney is HKD$ 1,500.
Single premium top-up allows you to capture investment opportunities. A one-time charge of upfront administration fee will be deducted from each single premium top-up made before units are allocated. The minimum single premium top-up is HK$18,000.
Premium Holiday adds flexibility to cater for your financial needs. Premium Holiday can be taken at any time after the 18-month ICP (fees and charges still apply) provided that the net asset value of the account is above the minimum policy value (HK$1,900).
Bonus units enhance potential future returns.With a monthly premium contribution of at least HKD3,000 and with a policy term of at least 10 years, bonus units will be allocated to the regular premium contribution during the 18-month ICP . Bonus units will form part of the account value and are subject to the fees and charges applicable to the plan. Aviva reserves the right to reclaim the bonus units in case of death (other than accidental death) of the life assured within the ICP.
Efficient tax arrangement. Under the present tax laws in Hong Kong, your account is not subject to income tax or capital gains tax at source. However, the taxes applicable to your policy may depend on the tax laws in your country of nationaility or residency.
Fees and Charges

Policy Fees and Charges:

Initial Administration Fee
Initial Adminstiration Fee will be charged on the value of initial units.

Investment Management Fee
Investment Management Fee will be charged on the total value of initial and accumulation units.

Policy Fee
A policy fee will be charged in advance and deducted immediately before the premiums are invested.

Upfront Administration Fee (for single premium top-up)
A one-time charge of Upfront Administration Fee will be deducted from each single premium top-up made before units are allocated.

Exit Fee (for both partial withdrawal and surrender)
An Exit Fee, subject to a minimum of 100% of the value of initial units withdrawn or surrendered will be charged.

Credit Card Charge
A fee will be charged for payment by credit card.

Underlying Fund Charges:

Annual Management Charge
Annual Management Charge is levied by the underlying fund manager(s) and vary depending on the investment-linked fund(s) selected.

Other Fund Charges
Other charges may be imposed by the underlying fund managers.

For full details of fees and charges, please refer to the principal brochure of Aviva Global Savings Account.

This information is issued by Aviva