risk level 风险级别 - 投资前之重要信息.pdfVIP

Page 1 Important information before investment 投資前之重要信息 The following investment choices are only available to the selected investment-linked insurance plans (the “Plan”) issued by Standard Life (Asia) Limited (the “Company”). A Plan participant’s investments will be subject to the credit risks of the Company. 以下投資選擇只適用於由標準人壽保險(亞洲)有限公司(下稱「本公司」)提供的指定投資相連保險 計劃(下稱「計劃」)。計劃參與者的投資因此需承受本公司的信貸風險。 The premiums paid by a Plan participant towards the insurance policy will become part of the assets of the Company. A Plan participant does not have any rights or ownership over any of those assets. The recourse of a Plan participant is against the Company only. 計劃參與者就保險計劃支付的保費將成為本公司資產的一部分。計劃參與者對任何該等資 產均沒有任何權利或擁有權。計劃參與者只對本公司有追索權。 A Plan participant’s return on investment is calculated or determined by the Company with reference to the performance of the underlying funds. The return of the Investments under the Plan shall be subject to the charges of the Plan and may be lower than the return of the corresponding underlying funds. 計劃參與者的投資回報，是由本公司 參照相連基金的表現而計算或釐定。計劃的投資回報會因為該計劃收取費用而減少，而且可能會遜於相應的相連基金之 回報。 Early surrender or withdrawal of the Plan / suspension of or reduction in premium may result in a significant loss of principal and/or bonuses awarded. Poor performance of underlying funds may further magnify the Plan participant’s investment losses, while all charges are still deductible. 提早退保或提款／暫停繳交或調低保費，或會導致損失大筆本 金及／或獎賞。如相連基金表現欠佳，或會進一步擴大計劃參與者的投資虧損，而一切收費仍會被扣除。 The investment choices available under the Plan can have very different features and risk profiles. Some may be of high risk. 計劃所提供的各個投資選擇的特點及風險狀況或會有很大差異，部分選項可能涉及高風險。 Investment involves risks. You should not purchase the relevant product unless you understand it and it has been explained to you how it is suitable for you. The final decision is yours. 投資涉及風險，除非您已經明白有關產品及已獲 解釋有關產品如何合適您，否則您不應認購此產品。您本人亦應作出最終的決定。 You should not solely rely on the information contained herein for making any in