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1. The time needed for investment account opening is subject to actual circumstances. In general, provided that no extra information is required, an existing ZA Bank user can open an investment account and complete fund subscriptions in as fast as 1 minute.
2. To know more about investment services T&C, please click "Terms and Conditions For Investment Services"
*From 1 August 2026 until 31 December 2026 (both dates inclusive), retail banking customers who have opened an investment account with ZA Bank can enjoy the following offers on fund transactions (Including subscriptions through a Regular Investment Scheme): Subscription fees are waived for money market funds, and are 0.5% for bond funds and 1% for other fund types. For details of the offers, please refer to the 'Investment Fund Service Fee Offer', which is subject to terms and conditions . ZA Perks Lv 1 and Lv 2 users can enjoy a 0% fund subscription fee offer applicable for all funds (Including subscriptions through a Regular Investment Scheme). Please refer to the ZA Perks terms and conditions for details.

Key risks for investment fund
*Investor should read the offering documents carefully, to further understand the risk factors of the investment fund.
*Equity risk: equity markets may fluctuate significantly with prices rising and falling sharply, and this will have a direct impact on the fund’s net asset value. When equity markets are extremely volatile, the fund’s net asset value may fluctuate substantially.
*Fixed income risk: the value of fixed-income securities will change in response to fluctuations in interest rates and currency exchange rates, as well as changes in credit quality of the issuer. Investment in fixed-income securities may be subject to credit risk that a particular issuer may not fulfil its payment or other obligations.
*Emerging market risk: investment in emerging and less developed markets may be subject to significant risks such as political and economic risks, legal and regulatory risks, market and settlement risks, execution and counterparty risks, and currency risks.
*Country /sector risk: certain funds may have significant exposure to a single country or sector, which are subject to higher concentration risk, and therefore has higher price volatility and liquidity risk than funds which have a more diversified policy.
*Exchange rate risk: if investment returns are not denominated in HKD, investors are exposed to exchange rate fluctuations.

Disclaimer:
Only Securities and Futures Commission (”SFC”) authorised investment funds that are distributed by ZA Bank will be shown on this platform. SFC authorisation is not a recommendation or endorsement of a fund nor does it guarantee the commercial merits of a fund or its performance. It does not mean the fund is suitable for all investors nor is it an endorsement of its suitability for any particular investor or class of investors. The content of this platform has not been reviewed by SFC or any regulatory authority in Hong Kong.
This platform is solely for personal and non-commercial use and for general information and reference only. Re-distribution of any part in any means is strictly prohibited. Information on this platform is for reference only and does not constitute any offer, invitation or recommendation to any person to enter into any transaction described therein or any similar transaction, nor does it constitute any prediction of likely future movements. Investor should not make investment decisions based solely on the information contained on this platform.

Important risk statement
Investment involves risks. The price of investment products may fluctuate or even become worthless. Past performance is not an indicator of future performance. Losses may be incurred rather than making a profit as a result of investment. The information in this platform is for reference only and does not constitute and should not be regarded as any recommendation, offer or solicitation to purchase or sell any investment products. You should carefully and independently consider whether the investment products are suitable for you in light of your investment experience, objectives, financial position and risk profile. Independent professional advice should be obtained if necessary. Please read the relevant terms and conditions together with the offering document and risk disclosure statements of the investment product before making any investment decisions. The information in this platform has not been reviewed by SFC or any regulatory authority in Hong Kong. ZA Bank is acting as your agent to handle the transaction. The investment product is provided by a third-party but not ZA Bank. In respect of eligible dispute (as defined in the terms of reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) out of the selling process or processing of the related transaction, ZA Bank will enter a Financial Dispute Resolution Scheme process with you. However, any disputes over the contractual terms of the product should be resolved directly between you and the third-party product issuer. The platform is not intended for distribution or use by any person in any jurisdiction, country or region where the distribution or use of this material is restricted and would not be permitted by law or regulation. If you are outside of Hong Kong, we may not be authorised to offer or provide you with the products and services available in the country or region where you are located or resident.