🎓 Investment Strategy from Football

🗃️ Portfolio diversification refers to allocating funds across different asset classes, industries, and regions, rather than concentrating on a single stock, bond, or asset class. Market environments are constantly changing, and no single asset can perform well in all periods. Through diversification, even if one asset class underperforms, other asset classes can provide a buffer and help reduce the volatility of the overall portfolio.

⚖️ A multi-asset investment strategy involves simultaneously allocating funds across multiple asset classes such as stocks, bonds, commodities, and cash, rather than concentrating funds in a single market or asset. For investors, this strategy helps reduce the impact of significant fluctuations in a single market or asset on the overall portfolio and seeks a more balanced performance across different market cycles.

📚 Even if an asset or industry has performed well in the past, markets are cyclical, and no asset or industry sector can consistently outperform in the long run. If a portfolio is overly concentrated, a weakening of that asset class or sector can significantly impact the entire portfolio. Diversification across different asset classes helps manage this concentration risk.

💡 This can be checked from several angles: Is the capital overly concentrated in a single asset class, sector, or region? Is the correlation between different assets too high? And does the current allocation still align with my risk tolerance and investment goals? If the proportions deviate significantly from the original plan, adjustments should be considered.

🔎 Market conditions, interest rates, and personal financial goals all change over time. Regularly reviewing a portfolio helps confirm whether the current allocation still aligns with your risk tolerance and goals. If the proportions have deviated significantly from the original plan, rebalancing should be considered to avoid unintentionally increasing risk.

Important and Legal Information

• This material contains information about AMUNDI ASIA FUNDS SIGNATURE CIO CONSERVATIVE FUND, AMUNDI ASIA FUNDS SIGNATURE CIO BALANCED FUND, AMUNDI ASIA FUNDS SIGNATURE CIO GROWTH FUND, AMUNDI ASIA FUNDS SIGNATURE CIO INCOME FUND (the “Funds”), sub funds of Amundi Asia Funds, an undertaking for collective investment in transferable securities existing under Part I of the Luxembourg law of 17 December 2010, organized as an open-ended mutual investment fund (“fonds commun de placement”). The management company of the Funds is Amundi Luxembourg S.A., 5, allée Scheffer, L-2520 Luxembourg and the Hong Kong Representative of the Funds is Amundi Hong Kong Limited, Suites 04-06, 32nd Floor, Two Taikoo Place, Taikoo Place, 979 King’s Road, Quarry Bay, Hong Kong (Amundi Luxembourg S.A. and/or its affiliated companies, including without limitation Amundi Hong Kong Limited, being hereinafter referred to individually or jointly as “Amundi”).
• Investors should not only base on this document alone to make investment decisions. Investment involves risk. The past performance information of the market, manager and investments and any forecasts on the economy, stock market, bond market or the economic trends of the markets which are targeted by the fund(s) are not indicative of future performance. Investment returns not denominated in HKD or USD is exposed to exchange rate fluctuations. The value of an investment may go down or up. The offering document(s) should be read for further details including the risk factors. The fund(s) may use financial derivatives instruments as part of the investment strategy and invest in securities of emerging markets or smaller companies, or fix income securities. This involves significant risks and is usually more sensitive to price movements. The volatility of fund prices may be relatively increased. Issuers of fixed-income securities may default on its obligation and the fund(s) will not recover its investment. Additional risk factors are described in the offering document(s). Investors are advised to be aware of any new risks that may have emerged in the prevailing market circumstances before subscribing the fund(s).
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• The role of Standard Chartered Bank (Singapore) Limited (“SCB SG”) as the fund’s Investment Advisor is solely advisory in nature while Amundi as the Investment Manager will have the final authority and decision regarding investments of the fund.
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Notes

• This webpage does not constitute any prediction of likely future price movements.
• Investors should not make investment decisions based on this webpage alone.
• This webpage has not been reviewed by the Securities and Futures Commission or any regulatory authority in Hong Kong.

Risk Disclosure Statement for Investment Funds

• Investment involves risks. The prices of units/ shares of unit trusts or mutual funds fluctuate, sometimes dramatically and the worst case may result in loss of your entire investment amount. It is as likely that losses will be incurred rather than profit made as a result of buying and selling unit trusts or mutual funds. Past performance of any Investment Fund is no guide to its future performance.
• Investors should carefully read the relevant offering documents and in particular the Terms & Conditions contained therein, the investment policies and the risk factors and latest financial results information. It is desirable that the Investor seeks independent financial advice with respect to any investment decision.
• Investors should ensure they fully understand the risks associated with unit trusts or mutual funds and should also consider their own investment objective, investment experience, financial situation and risk tolerance level before making any investment decision.

Risk Disclosure Statement for Stock Investment Services

• Investment involves risks. The prices of stocks fluctuate, sometimes dramatically and the worst case may result in loss of your entire investment amount.
• Past performance of any stocks is no guide to its future performance. Investors should consider their own investment objectives, investment experience, financial situation, risk tolerance level and carefully read the Terms and Conditions of relevant Stock Investment Services before making any investment decision.

Important Notes of Online Stock Trading

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Risk Disclosure Statement for Equity Linked Investments

• Equity Linked Investments are structured products involving derivatives. The Investment decision is yours but you should not invest in the Equity Linked Investments unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives.
• SFC authorization does not imply official recommendation, it is not a recommendation or endorsement of a product, nor does it guarantee the commercial merits of a product or its performance.
• ELI Contracts are NOT equivalent to time deposits.
• The price or value of the Equity Linked Investments (ELIs) fluctuates, sometimes dramatically. The price or value of the ELIs may move up or down, and may even become valueless. It is as likely that losses will be incurred rather than profit made as a result of subscribing for, buying and selling the ELIs. Investors should therefore carefully consider whether such transactions are suitable in light of their financial position and investment objectives before entering into such transactions.
• Not principal protected: ELIs are not principal protected. You may suffer a loss if the prices of the underlying asset(s) of an ELI go against your view. In extreme cases, you could lose your entire investment.
• Limited potential gain: the potential return on your ELI may be capped at a predetermined level specified by the issuer.
• Credit risk of the issuer: when you purchase an ELI, you rely on the credit-worthiness of the issuer. In case of default or insolvency of the issuer, you will have to rely on your distributor to take action on your behalf to claim as an unsecured creditor of the issuer regardless of the performance of the reference asset(s).
• No collateral: ELIs are not secured on any assets or collateral.
• Limited market making: issuers may provide limited market making arrangement for their ELIs. However, if you try to terminate an ELI before maturity under the market making arrangement provided by the issuer, you may receive an amount which is substantially less than your original investment amount.
• Investing in an ELI is not the same as investing in the reference asset(s): during the investment period, you have no rights in the reference asset(s). Changes in the market price of such reference asset(s) may not lead to a corresponding change in the market value and/or potential payout of the ELI.
• Conflicts of interest: issuer of an ELI may also play different roles, such as the arranger, the market agent and the calculation agent of the ELI. Conflicts of interest may arise from the different roles played by the issuer, its subsidiaries and affiliates in connection with the ELI.

Risk Disclosure Statement

• Investment involves risks. The prices of investment products fluctuate, sometimes dramatically and the worst case may result in loss of your entire investment amount. Past performance is no guide to its future performance.
• Investors should read the terms and conditions contained in the relevant offering documents and in particular the investment policies and the risk factors and latest financial results information carefully and are advised to seek independent professional advice before making any investment decision.
• Investors should consider their own investment objectives, investment experience, financial situation and risk tolerance level.