STOCK REGULAR SAVINGS PLAN

Discover a simpler smarter way to realize your dreams.

Discover a simpler smarter way to realize your dreams.

You could invest with as low as HK$1,000 per month to build a top-notch portfolio of shares in well-established Hong Kong companies. It's not a dream, but it could help you realize yours.

Stock Regular Savings Plan

  • You can own shares in high-quality blue chips with as low as HK$1,000 per month
  • Benefits of "Dollar-cost-averaging" mean the average price of the stocks in your portfolio may be lower than the market price
  • Wide selection of more than 50 blue chips and out-performed ETF
  • Flexible investment options to adjust your monthly investment contribution or sell your stocks at the time that best suits your financial needs by various channels including online & mobile banking

Act Now

Contact our Investment Service Hotline at (852) 2860 0222(852) 2860 0222 or visit any Citibank® branch.

Dollar Cost Averaging

A key benefit of Stock Regular Savings Plan is on the effect of “Dollar Cost Averaging”. It allows you to enjoy a lower average cost per shares bought and at the same time lessen your worries on the market ups and downs as the effect of short-term price fluctuations is reduced. With a fixed monthly investment amount, when the stock price goes down, more shares will be accumulated; on the other hand, when the stock price goes up, your contribution will buy fewer shares.

Illustration example:

Mr. Chan invests in a stock with a monthly investment contribution amount of HK$2,000

6 months later
Accumulated no. of shares 5,370
Accumulated investment amount HK$12,000 (HK$2,000 x 6)
Average cost per share purchased HK$2.23 (HK$12,000 ÷ 5,370 )
Assume Mr. Chan sell the stock at month 6
Market value at month 6 HK$18,795 (5,370 x HK$3.5)
Investment return HK$6,795 (HK$18,795 - HK$12,000)

The above example is for illustration purpose only and is not indicative of any actual situation or future performance.
Brokerage fee, Stamp Duty, Transaction Levy and Trading Fee are not included in the above illustration.

Fees & Charges
Monthly contribution fee* 0.25% of the monthly contribution amount (Min. HK$50 per stock)
Change of instruction (including switch of stock, change of monthly contribution amount, and termination of plan) HK$50 for each request
(The fee will be waived from Mar 1, 2016)
Service Charge for insufficient funds HK$50
Additional service charge for plan termination within 1 year of subscription** HK$250
(The fee will be waived from Mar 1, 2016)
*
The monthly contribution fee is inclusive of all transaction related charges including. Brokerage Fee, Stamp Duty, Transaction Levy, Investor Compensation Levy, Trading Fee and CCASS Fee.
**
Applicable to termination at the customer's request or automatic termination as a result of insufficient funds in customer's settlement account. If there are insufficient funds in the customer's settlement account on the contribution date, the order for that month will be cancelled automatically. If the order cannot be executed for 3 consecutive months, the plan will be automatically terminated.
How it works
Monthly Investment Contribution Amount The minimum monthly investment contribution amount for each stock is HK$1,000 (Extra contribution must be in multiples of HK$500).
Monthly Net Investment Amount The actual investment amount after brokerage fee deduction.
Execution Date and Time Monthly execution date will fall on the 10th of each month. If the execution date falls on a HKEX non-trading day, it will be deferred to next HKEX trading day.
Share Purchase Price

The average price of all shares purchased with the pooled Monthly Net Investment Amount

Settlement Date The 2nd trading day after the execution day.
New Subscription/ Change
Request Effective Date
A new instruction should be submitted before 7:00 pm on the 9th of the month(or one business day before Monthly Execution Day if 9th falls on a holiday) to take effect on that month.
Plan Termination If the purchase order(s) cannot be executed for 3 consecutive months due to insufficient fund, your plan will be terminated automatically without prior notice.

Example (For illustration only)

Assuming the client's regular investment amount is HKD1,000.

The investment amount after deduction of the handling fee (0.25% of the monthly investment amount with min. HK$50 per stock) will be used for purchasing securities.

The number of shares/units allocated to each customer will be rounded down to the nearest whole number of shares/units. Any remaining dollar amount will not be charged from client’s payment account.

  Regular contribution amt Amount available for securities purchase* Share price No. of share purchased Remaining amt not to be charged Net investment amount
1st month $1,000 $950.0 $2.0 475 $ - $950.0
2nd month $1,000 $950.0 $1.5 633 $0.5 $949.5
3rd month $1,000 $950.0 $2.0 475 $ - $950.0
4th month $1,000 $950.0 $2.5 380 $ - $950.0
5th month $1,000 $950.0 $3.0 316 $2.0 $948.0
6th month $1,000 $950.0 $3.5 271 $1.5 $948.5
Total $6,000 $5,700.0   2,550 $4.0 $5,696.0

Average market price (sum of share prices ÷ number of months) = HK$2.42

Average cost per share (total net investments ÷ total number of shares purchased)
= HK$2.23 which is lower than the average market price

*
Amount available for security purchase = Customer's regular contribution amount (HK$1,000) – monthly contribution fee (0.25% of monthly investment amount with min. HK$50 per stock) = HK$50 per month. The monthly contribution fee is inclusive of all transaction related charges, e.g. Brokerage Fee, Stamp Duty, Transaction Levy, Investor Compensation Levy, Trading Fee and CCASS Fee.
Eligible Stock
Stock Name Stock Code Stock Name Stock Code
CKH HOLDINGS 00001 LINK REIT 00823
CLP HOLDINGS 00002 CHINA RES POWER 00836
HK & CHINA GAS 00003 PETROCHINA 00857
WHARF HOLDINGS 00004 CNOOC 00883
HSBC HOLDINGS 00005 CCB 00939
POWER ASSETS 00006 CHINA MOBILE 00941
HANG SENG BANK 00011 LENOVO GROUP 00992
HENDERSON LAND 00012 CKI HOLDINGS 01038
SHK PPT 00016 HENGAN INT'L 01044
NEW WORLD DEV 00017 CHINA SHENHUA 01088
SWIRE PACIFIC A 00019 CHINA RES LAND 01109
BANK OF E ASIA 00023 CK PROPERTY 01113
GALAXY ENT 00027 AIA 01299
MTR CORPORATION 00066 ICBC 01398
SINO LAND 00083 BELLE INT'L 01880
HANG LUNG PPT 00101 SANDS CHINA LTD 01928
KUNLUN ENERGY 00135 AAC Tech 02018
CHINA MER PORT 00144 PING AN 02318
WANT WANT CHINA 00151 MENGNIU DAIRY 02319
GEELY AUTOMOBILE HOLDINGS LTD 00175 BOC HONG KONG 02388
CITIC 00267 CHINA LIFE 02628
CATHAY PAC AIR 00293 TRACKER FUND 02800
SINOPEC CORP 00386 CSOP A50 ETF 02822
HKEX 00388 X ISHARES A50 02823
CHINA OVERSEAS 00688 HS H ETF 02828
TENCENT 00700 CAM CSI330 03188
CHINA UNICOM 00762 BANKCOMM 03328
BANK OF CHINA 03988    
How To Apply

New-to-bank Clients

Please click here or call our Application hotline (852) 2860 0262(852) 2860 0262

Existing Clients

3 simple steps to open a stock account online

Step1:

Logon to www.citibank.com.hk > Services > Investment Services > Apply for Securities Services

Online stock account opening step 1

Online stock account opening step 1

Step2:

Complete 6 questions in the Suitability Questionnaire to ensure you are suitable to open a stock account, accept the Terms and Conditions, and then verify details.

Online stock account opening step 2

Step3:

Application confirmed. Keep the “Application Reference Number” acknowledgement for future reference.

Step1:

Logon to www.citibank.com.hk > Wealth management > Stock trading

Set up Stock Regular Savings Plan step 1

Step2:

Choose Regular Savings Plan> Setup Plan> Input stock code, monthly investment contribution amount, effective month, and then verify details > click Next & confirm

Set up Stock Regular Savings Plan step 2

Step3:

You may review and confirm your RSP plan set up at Regular Savings Plan > Plan Overview

You are also warmly welcome to open a stock account and set up a stock Regular Savings Plan at any Citibank® branch.

  • Citi Mobile® the No.1 Stock Trading Platform* A New Era to Stock Trading

Remarks:Remarks:

  • To subscribe to this plan, customers must first open a Citibank stock account.
  • If there is insufficient fund in the customer's stock settlement account, the order for that month will be cancelled automatically. If the order cannot be executed for 3 consecutive months, the plan will be automatically terminated. A service charge will be imposed.
  • If the dividend payment amount of the stock is less than the service fee you have to pay for the corporate action, the dividend payment will be cancelled automatically.

Important Disclaimer:Important Disclaimer:

You should seek advice from your professional advisors as to your particular tax position, including but not limited to estate duty and withholding tax that might arise from investing in overseas products. This webpage is for information purpose only and does not constitute any offer or solicitation or advice to buy or sell any security. Investments are not bank deposits and are not obligations of, guaranteed or insured by Citibank (Hong Kong) Limited, Citibank N.A., Citigroup Inc. or any of its affiliates or subsidiaries, or by any local government or insurance agency, and involve risks, including the possible loss of the principal amount invested. Share prices may go down as well as up. Investment products are not available for U.S. persons and might only be applicable to limited jurisdiction.

Any person considering an investment should seek independent advice on the suitability or otherwise of the particular investment.

In the event of any discrepancy between the English and Chinese versions, the English version shall prevail.