Please read the “Important Notes” before entering the “Analysis Game”.

 If you are retired or planning to invest for retirement, please also note the following friendly reminders, which may help you in answering the game’s questions.

1. Investment Horizon

Generally speaking, the closer to one’s retirement age, the shorter one’s investment horizon. One’s risk tolerance level may decrease with the increase in age. One may have

• lower tolerance level for asset value fluctuation;

• lower tolerance level for capital loss; and / or

• lower proportion of investable asset. 

Hence, one having shorter investment horizon may need to consider an investment portfolio with lower risk.

 
2. Longevity

Longer life expectancy means one may live longer than expected after retirement which increase the total living and medical expenditure.  On the other hand, inflation leads to currency depreciation and weakens the purchasing power.  Therefore, retirees may still need to maintain appropriate investment after retirement, with a general aim to capture investment returns that can at least keep up with inflation.

3. Other Reservations for Retirement 

If you have sufficient reservation from other sources, you might consider taking a slightly aggressive approach in investing for retirement in order to seek to achieve a better potential long-term appreciation.

4. Investing for Retirement

Investing for retirement is a long-term investment and requires regular review on investment portfolio. However, one should avoid trying to predict the market movements or switching fund choices frequently / simply due to short-term market volatility.

Important Notes

Users of this "24-7 All Weather Personal Investment Analysis Game" website should note that the information provided in this game website, including the game's assessment results and the indicated reference investment portfolio, may be subject to certain restrictions and limitations, and the assessment process does not give a comprehensive analysis or consider the specific circumstances or needs of individuals. Therefore, the content or information of this game website should not constitute the basis for any investment decision made by the website user and should not substitute professional advice. The information, assessment results or the indicated reference investment portfolios contained in this website do not constitute any investment advice and/or opinion, and/or any invitation, distribution, or any offer or invitation to buy or sell any investment. If users of this website wish to make any investments, they should consider their own investment objectives, risk tolerance level and other circumstances, and seek independent financial and professional advice as appropriate before making investments.

Investment involves risks, and investments can be affected by market fluctuations and exchange rate fluctuations and to the risks inherent in all investments. Investing in emerging markets may involve increased risks and special considerations not typically associated with investment in more developed markets. The price of investment instruments/products and the income generated from them (if any) may go down as well as up. Investors could face no returns and/or suffer significant loss related to the investments (if applicable).

Disclaimer

The information contained in the "24-7 All Weather Personal Investment Analysis Game" website is for general information only. Luen Fung Hang Life Limited (“Luen Fung Hang Life”) and BOCI-Prudential Asset Management Limited (“BOCI-Prudential Asset Management”) shall not be liable for the content of this game website, including but not limited to the accuracy, completeness and suitability of the assessment results and indicated reference investment portfolios and/ or loss arising from reliance on any relevant information or statement.

Luen Fung Hang Life and/or BOCI-Prudential Asset Management shall not be liable for the loss, damage, fee or expense arising directly or indirectly from the use of/inability to use this website, or the use/ making reference to the materials or content of this website, or any statement, representation or information contained in this website. Anyone who seeks to act on relevant matters in accordance with the information on this website should seek prior independent legal advice or other professional advice.

Luen Fung Hang Life and/or BOCI-Prudential Asset Management does not warrant or guarantee that the information on this website is accurate or without omission. Luen Fung Hang Life and/or BOCI-Prudential Asset Management shall not be liable in any way for the loss, damage, fee or expense arising directly or indirectly from the mis-editing of information/omission of content.

Copyright Notice

This "24-7 All Weather Personal Investment Analysis Game" website is compiled by BOCI-Prudential Asset Management. Unless otherwise stated, the copyright and intellectual property rights of all materials contained in this website are owned by BOCI-Prudential Asset Management. No person may copy, reproduce, adapt, modify, distribute, publish (in whole or in part) or provide the materials of this website for any other purpose without the prior written consent of BOCI-Prudential Asset Management.