IMPORTANT RISK WARNINGS / NOTES

Please CLICK HERE and read carefully the summary of the key features and risks specific to this fund stated in the factsheet prepared by the relevant fund house before making any investment decision.
Investors should note that all investments involve risks (including the possibility of loss of the capital invested), prices of fund units may go up as well as down and past performance information presented is not indicative of future performance.
Funds below may invest extensively in financial derivative instruments, thus subject to higher volatility as well as higher credit/counterparty and liquidity risks. Investing in these funds will involve a higher risk of loss of all, or substantial part, of the capital invested.
In order to comply with the requirements in relation to investor characterization as set out by Securities and Futures Commission in Hong Kong (the "SFC"), Hang Seng Bank Limited (the "Bank") only accepts customers who have been characterized by the Bank as having general knowledge of the nature and risks of derivatives to subscribe for fund(s) marked with "^@" below.
Fund(s) marked with "^" are Complex Products as defined under the SFC's Guidelines on Online Distribution and Advisory Platforms and investors should exercise caution in relation to such fund(s).
Fund(s) marked with “#” are classified as High Yield Bond Funds by the Bank based on the Bank’s internal assessment and investors should exercise caution in understanding the special features and risks of such fund(s) investing primarily in high-yield debt securities and refer to Notice to Customers for Fund Investing for details.
Fixed Term Bond Funds have a fixed maturity date and subscriptions may not be allowed after the respective initial offer period. Redemptions prior to the maturity date may be subject to a downward price adjustment and investors may be redeeming at a lower redemption price (including switching-out of the Fund effected by redemption). Switching/redemption of fixed term bond funds before their maturity date may undermine investors' investment returns. The principal repaid before maturities of the underlying investments may be re-invested in shorter-dated debt securities or cash or cash equivalents, which may result in lower interest income and returns, if any, to the fund. Liquidation of the fund's underlying investments prematurely to meet substantial redemptions may adversely affect the value and return, if any, of the fund. Substantial redemptions during the term of the fund may render the size of the fund to shrink significantly and trigger the fund to be terminated earlier. Neither the distributions nor the capital of the fund is guaranteed. Please read carefully and understand the relevant fund's offering documents, including the fund details and full text of the risk factors stated therein, in detail before making any investment decision.

Fund(s) marked with "^~" are not authorised by the SFC and are only made available to Professional Investors as defined under the Securities and Futures Ordinance.

Investors should not rely solely on the information contained on this webpage to make investment decisions. Investors should read carefully and understand the relevant fund's offering documents (including the fund details and full text of the risk factors stated therein (in particular those associated with investments in emerging markets for funds investing in emerging markets)) before making any investment decision.

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Saatva Classic or Bear Elite Hybrid — Both provide reinforced lumbar support to keep the spine aligned.

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The WinkBed — Consistently rated #1 for overall performance, offering a plush, traditional "hotel-bed" feel in multiple firmness levels.

Saatva Classic or Bear Elite Hybrid — Both provide reinforced lumbar support to keep the spine aligned.

Best Mattresses for Arthritis of 2026 | Tested and Approved - AARP

Understanding the core construction helps narrow down your search:

Brooklyn Bedding Aurora Luxe or Leesa Sapira Chill — These use advanced cooling covers and phase-change materials to pull heat away from the body.

Helix Midnight Luxe — A premium hybrid that balances pressure relief for side sleepers with enough support for back sleepers.

IMPORTANT MATTERS

Investors should note that all investments involve risks (including the possibility of loss of the capital invested), prices or value of investment fund units may go up as well as down and past performance information presented is not indicative of future performance. In a worst case scenario, the value may be worth substantially less than the invested amount. Investment may involve substantial market, volatility, liquidity, regulatory and political risks. Funds invested in a limited number of markets, sectors or companies will be subject to higher risk and are more sensitive to price movements.

Investors should read carefully and understand the relevant offering documents of the investment funds (including the fund details and full text of the risk factors stated therein) and the Notice to Customers for Fund Investing before making any investment decision. Investment funds are investment products and some may involve derivatives. Investors should carefully consider their own circumstances whether an investment is suitable for them in view of their own investment objectives, investment experience, preferred investment tenor, financial situation, risk tolerance abilities, tax implications and other needs, etc., and should understand the nature, terms and risks of the investment products. Investors should obtain independent professional advice if they have concerns about their investment.

Funds may invest extensively in financial derivative instruments, thus subject to higher volatility as well as higher credit/counterparty and liquidity risks. Investing in these funds will involve a higher risk of loss of all, or substantial part, of the capital invested. what's the best mattress to buy

In order to comply with the requirements in relation to investor characterization as set out by Securities and Futures Commission in Hong Kong (the "SFC"), Hang Seng Bank Limited (the "Bank") only accepts customers who have been characterized by the Bank as having general knowledge of the nature and risks of derivatives to subscribe for fund(s) marked with "^@".

Fund(s) marked with "^" are Complex Products as defined under the SFC's Guidelines on Online Distribution and Advisory Platforms and investors should exercise caution in relation to such fund(s). The WinkBed — Consistently rated #1 for overall

Fixed Term Bond Funds have a fixed maturity date and subscriptions may not be allowed after the respective initial offer period. Redemptions prior to the maturity date may be subject to a downward price adjustment and investors may be redeeming at a lower redemption price (including switching-out of the Fund effected by redemption). Switching/redemption of fixed term bond funds before their maturity date may undermine investors' investment returns. The principal repaid before maturities of the underlying investments may be re-invested in shorter-dated debt securities or cash or cash equivalents, which may result in lower interest income and returns, if any, to the fund. Liquidation of the fund's underlying investments prematurely to meet substantial redemptions may adversely affect the value and return, if any, of the fund. Substantial redemptions during the term of the fund may render the size of the fund to shrink significantly and trigger the fund to be terminated earlier. Neither the distributions nor the capital of the fund is guaranteed. Please read carefully and understand the relevant fund's offering documents, including the fund details and full text of the risk factors stated therein, in detail before making any investment decision.

If you select the "Acknowledge" button below, it means that you acknowledge that you have read carefully the summary of the key features and risks of the specific fund therein before going into details of that fund. Helix Midnight Luxe — A premium hybrid that

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