I. Product Definition
The Monthly Gold Investment Plan refers to a service where customers sign a Monthly Installments Agreement with our bank. During the designated trading hours, customers can purchase our bank's gold-backed accumulation product through regular fixed-amount contributions. The accumulated gold can be redeemed for physical precious metal products or cashed out.
II. Product Pricing
1. Small Investments, Significant Returns
With monthly contributions as low as MOP/HKD 200 or USD 25, allowing participation in gold investments and benefiting from potential gold price appreciation.
2. Lower Average Holding Costs
By investing a fixed amount monthly, customers purchase gold at an averaged price. During price declines, the fixed amount buys more grams of gold, helping to reduce the average holding cost.
*Note: The accumulation mechanism works as follows starting from the fifth-to-last natural day of each month, the monthly accumulation amount is deducted from the customer's account. This amount is divided by the number of trading days in the following month to determine the daily accumulation amount. From the first trading day of the next month, the corresponding quantity of gold is purchased daily at the prevailing fixed accumulation gold price.
3. High Liquidity
Zero-cost exchange for our bank's physical gold and silver precious metal products, which can also be redeemed for cash with low redemption costs, offering strong liquidity.
4. Multiple Supported Investment Currencies
Customers can invest by opening a settlement account in HKD, MOP, or USD.
III. Product Features
Based on the characteristics of the Monthly Gold Investment Plan, our bank provides real-time pricing based on the international gold market. Customers can check the accumulation price and transaction fees via Online Banking or Bank Branches.
IV. Eligibility Conditions
1. Customers must open a settlement account in HKD, USD, or MOP.
2. Customers must open a Gold Accumulation investment account and link it to their settlement account.
3. There are no risk rating requirements for purchasing this product.
V. Service Channels
1. Available through bank branches and personal online banking (mobile banking is not currently supported).
2. Service Hours: Monday to Friday, 09:00–17:30.