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SMART KIOSK Services
We offer a diverse range of investment, protection and legacy solutions to help you to build your unique investment strategy and achieve your goals.
We provide various securities transaction channels and free real-time quotes to help you make wise investment decision at the best timing.
All of our investment funds, which are from reputable fund houses worldwide, help you diversify your investment risks while making the most out of the global market.
A list of carefully selected bonds of various currencies with different investment tenors provides stable coupon income and diversifies your portfolio.
Precious Metals and FX Margin Trading
Our precious metals and foreign exchange margin trading services helps you magnify your investment capital and grasp every up-coming investment opportunity.
Expert commentaries and daily market updates help you keep abreast of the market trend.
Protection and Retirement Solutions
From life and medical protection, to retirement and legacy planning, we provide holistic solutions for the future of you and your family.
Flexible Financing Services
From personal loans to various mortgage schemes, we provide comprehensive financing services that allows greater flexibility to achieve your goals.
An array of cross-border services helps you grasp the opportunities across the border.
Risk Disclosure Statement:
The above information is for reference only and is neither a recommendation, an offer, nor a solicitation for any investment product or service. Investment involves risks. Investors should note that all investment involves risks. Prices of investment products may go up as well as down and may even become valueless. Past performance is not an indication of future performance. Investors should read carefully the offering documents and the relevant Risk Disclosure Statement before making any investment decision. You should carefully consider whether any investment product or service mentioned herein is appropriate for you in view of your personal circumstances and should seek independent professional advice if necessary. The investment decision is yours but you should not invest in the product 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. The products are not protected deposits and are not protected by the Deposit Protection Scheme in Hong Kong. The above information is prepared by Bank of Communications (Hong Kong) Limited and have not been reviewed by any regulatory authority in Hong Kong.
Securities Trading Risk Disclosure Statement:
The prices of securities fluctuate, sometimes dramatically. The price of a security may move up or down, and may become valueless. It is as likely that losses will be incurred rather than profit made as a result of buying and selling securities.
Investment Funds Risk Disclosure Statement:
This is a structured product involving derivatives. The investment decision is yours but you should not invest in the "Investment Fund" 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.
Precious Metals and FX Margin Trading Risk Disclosure Statement:
The risk of loss in leveraged precious metals and foreign exchange trading can be substantial. You may sustain losses in excess of your initial margin funds. Placing contingent orders, such as "stop-loss" or "stop-limit" orders, will not necessarily limit losses to the intended amounts. Market conditions may make it impossible to execute such orders. You may be called upon at short notice to deposit additional margin funds. If the required funds are not provided within the prescribed time, your position may be liquidated. You will remain liable for any resulting deficit in your account. You should therefore carefully consider whether such trading is suitable in light of your own financial position and investment objectives.
Bond Risk Disclosure Statement:
Investor bears the credit risk of the issuer and the guarantor (if any) and has no recourse to the Bank. Before entering into any transaction, you are advised to carefully read the Offering Circular, discuss with your own investment advisor or other appropriate professional to understand the possible risks and benefits of the transaction if needed. You should also take reasonable steps to assess the risks and appropriateness of the transaction in the light of your own risk, financial situation, objectives, investment tenor and circumstances. The price of bonds fluctuates and any individual bond may go down as well as up. Bond investment involves risk, including the possible loss of the principal amount invested. An investment in bonds is not equivalent to a time deposit and should not be taken to replace a time deposit.
Insurance Risk Disclosure Statement:
The insurance plan is a product of the corresponding underwriting insurance company, but not the Bank. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between the Bank and the customer out of the selling process or processing of the related transaction, the Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the product should be resolved directly between the corresponding underwriting insurance company and the customer.
RMB Currency Risk Disclosure Statement:
RMB is subject to exchange rate risk and is currently not freely convertible. Conversion of RMB or provision of RMB services through banks in Hong Kong is subject to relevant RMB policies, other restriction and regulatory requirements in Hong Kong. No prior notice will be given for any changes which may be made from time to time.
Foreign Exchange Risk Disclosure Statement:
Foreign currency investments are subject to exchange rate fluctuations which may involve risks. The fluctuation in the exchange rate of foreign currency may make a gain or loss in the event that customer converts the foreign currency into Hong Kong dollar or other foreign currencies.
To borrow or not to borrow? Borrow only if you can repay!