STOCK REGULAR SAVINGS PLAN

Citigold
HK$1,500,000 or above

Citi Plus
  • No minimum deposit requirement

Fill in personal information and make an appointment at branch to complete the application
Apply online and no need to visit branch

Citigold
HK$1,500,000 or above

Fill in personal information and make an appointment at branch to complete the application

Citi Plus
  • No minimum deposit requirement

Apply online and no need to visit branch

Discover a simpler smarter way to realize your dreams.

Stock Portfolio Investment from Citibank Hong Kong.

You can 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

Investment Service Enquiries hotline at (852) 2860 0183(852) 2860 0183

Investment Service Enquiries hotline at (852) 2860 0183(852) 2860 0183



Investment Service Enquiries hotline
at (852) 2860 0183(852) 2860 0183



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 monthly contribution fee (0.25% of the monthly contribution 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 $2.00 475 $ - $950.00
2nd month $1,000 $950 $1.50 633 $0.50 $949.50
3rd month $1,000 $950 $2.00 475 $ - $950.00
4th month $1,000 $950 $2.50 380 $ - $950.00
5th month $1,000 $950 $3.00 316 $2.00 $948.00
6th month $1,000 $950 $3.50 271 $1.50 $948.50
Total $6,000 $5,700   2,551 $ 4.00 $5,696.00
*
Amount available for security purchase = Customer's regular contribution amount (HK$1,000) – monthly contribution fee (0.25% of the monthly contribution amount with min. HK$50 per stock). 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 CHINA SHENHUA 01088
CLP HOLDINGS 00002 CSPC PHARMA 01093
HK & CHINA GAS 00003 CHINA RES LAND 01109
HSBC HOLDINGS 00005 CK PROPERTY 01113
POWER ASSETS 00006 SINO BIOPHARM 01177
HANG SENG BANK 00011 AIA 01299
HENDERSON LAND 00012 ICBC 01398
SHK PPT 00016 XIAOMI-W 01810
NEW WORLD DEV 00017 BUD APAC 01876
SWIRE PACIFIC A 00019 SANDS CHINA LTD 01928
GALAXY ENT 00027 WHARF REIC 01997
MTR CORPORATION 00066 COUNTRY GARDEN 02007
SINO LAND 00083 AAC Tech 02018
HANG LUNG PPT 00101 ANTA SPORTS 02020
WANT WANT CHINA 00151 WUXI BIO 02269
EELY AUTOMOBILE HOLDINGS LTD 00175 SHENZHOU INTL 02313
CITIC 00267 PING AN 02318
WH GROUP 00288 MENGNIU DAIRY 02319
SINOPEC CORP 00386 SUNNY OPTICAL 02382
HKEX 00388 BOC HONG KONG 02388
TECHTRONIC IND 00669 CHINA LIFE 02628
CHINA OVERSEAS 00688 TRACKER FUND 02800
TENCENT 00700 CSOP A50 ETF 02822
CHINA UNICOM 00762 X ISHARES A50 02823
LINK REIT 00823 HS H ETF 02828
PETROCHINA 00857 CAM CSI330 03188
CNOOC 00883 BANKCOMM 03328
CCB 00939 MEITUAN-W 03690
CHINA MOBILE 00941 BANK OF CHINA 03988
CKI HOLDINGS 01038 BABA-SW 09988
HENGAN INT'L 01044
How To Apply

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

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 material is for information purposes only and is not intended to 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., organized under the laws of U.S.A. with limited liability 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 discrepancy or inconsistency between this English version of the terms and conditions and the Chinese version, the English version shall prevail.