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Golden Years Banking

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Golden Years Banking is the first comprehensive banking service dedicated to citizens aged 60 or above, so to make the most during retirement years.

Important Note
Some mutual funds may involve derivatives. The investment decision is yours but you should not invest in an investment 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.


Selected fabulous offers that care for your needs


Annual Complimentary Offer
Preferential brokerage commission on securities trading
Up to 2% off on mutual fund subscription fee
Up to 15% discount on designated General Insurance products
A range of banking services and special discounts


Terms and Conditions




Risk Disclosure
Investment products and insurance products are not equivalent to or alternative of normal time deposits. They are not protected deposits, and are not protected by the Deposit Protection Scheme in Hong Kong. Investment involves risks. The prices of investment products and foreign exchange rates fluctuate, sometimes dramatically. And investment products may become valueless. Before making any investment decision, customers are encouraged to consult their own independent financial advisors and read the relevant offering documents for further details including the risk factors in order to ensure that they fully understand the risks associated with the investment products.


Securities Trading
It is as likely that losses will be incurred rather than profits made as a result of buying and selling securities.


Mutual Fund Investment
The past performance of a mutual fund is not a guide to its future performance and yields are not guaranteed. Customers could lose some or all of the principal amount invested. Funds are not obligations of, or guaranteed by, the Bank or any of its affiliates. The Bank will normally be paid a commission or rebate by the fund manager.


Insurance
Customers should read and understand the details of the insurance plan(s) (including but not limited to exact terms, conditions, coverage and exclusions) before any enrollment to assure the insurance products meet their personal needs. Specific details, terms and conditions applicable to insurance products are set out in respective insurance policies to be issued by the relevant insurance companies.


Disclaimer
This webpage does not constitute advice to buy or sell, or an offer with respect to any investment or insurance products. Any offer, invitation or recommendation to any customers to enter into any investment transaction does not constitute any prediction of likely future movements in prices of any investment products. This webpage is issued by China Construction Bank (Asia) Corporation Limited, and has not been reviewed by the Securities and Futures Commission or any other regulatory authorities in Hong Kong.



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