together, we can emerge stronger · market recovery.1 financial markets have risen after financial...

YOUR FINANCES AND ALL THAT MATTERS TO YOU

KDN

: PP1

6208

/07/

2013

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027)

We Can We DoFinancial know-how for your finance how nows.

JULY 2020

#45

Stay Calm, Invest Smart pg2

Financial literacy ignites the spirit of We Can We Do pg8

Be a savvy online shopper pg12

Together, we can emerge strongerto overcome what is undoubtedly the biggest challenge many of us have faced in our lifetime, HSBC is committed to support you and the wider community.

While we try to make the best of the present, it is important that we also look ahead to what’s next. Beyond adapting to a new “normal” of living, we should reassess our financial goals and strategies as well. The financial markets we knew before the health crisis are not the same as the financial markets we know now. However, it is important not to overreact. The conditions may have changed, but time-tested investment strategies to navigate volatility continue to hold true. Mantras like “keeping calm”, “staying invested” and “diversifying investments” are just a few tips that can prove useful during this period.

I encourage you to read our feature article on investment tips to handle market volatility and possible investment funds that you may consider as you plan your investment strategy moving forward. We are here to help, and your Relationship Manager is ready to guide you through making the right investment decisions for your new future.

Amidst the challenges we are facing, I am happy to share that we have re-focused our commitment to support Malaysians reach their financial goals. Through the launch of

For over 150 years, HSBC has supported our customers and the Malaysian community through many ups and downs. As we continue to persevere and fight the good fight

We Can We Do, an interpretation of HSBC’s international brand philosophy ‘Together We Thrive’ within the Malaysian context, we hope to cultivate the Can-Do spirit in the local community with financial empowerment as a key enabler to help Malaysians achieve financial growth and freedom. Do read the article to learn more about our vision for We Can We Do.

Finally, we’re excited to announce the addition of the Japanese Yen and Saudi Riyal to the supported foreign currencies of the HSBC Everyday Global Visa Debit Card and HSBC Everyday Global Account. It gives you even more options and flexibility when it comes to managing and spending in foreign currencies.

As we forge a path forward in the new world that awaits us, we have decided to take Liquid digital as part of HSBC’s wider sustainability approach to reduce our operational impacts on the environment. Beginning with this issue, Liquid will only be available as an e-version online accessible anytime, anywhere.

Tara LatiniCountry HeadWealth and Personal Banking

Publisher HSBC Bank Malaysia Berhad 198401015221 (127776-V), No. 2, Leboh Ampang, 50100 Kuala Lumpur. Editorial Rozalynn Zainul, Esther Wong, Foong Ken Voon, Judith Goh, Looi Miin Wei. For more information on HSBC products and services, please feel free to contact us. • Call 1 300 88 9393 • Click www.hsbc.com.my • Visit your nearest HSBC branch. This publication is for private circulation to selected customers of HSBC Bank Malaysia Berhad (”HSBC”), and may not be redistributed, reproduced, copied or published, in whole or in part, for any purpose. This publication is solely for general

information and does not constitute any advice, recommendation or offer by HSBC. HSBC does not endorse or promote any third party (other than HSBC Group members) or websites referred to in this publication.

The opinions, statements and information contained in this publication are based on available data delivered to be reliable. HSBC does not warrant the accuracy, completeness or fairness of such opinions, statements and information and reliance thereon shall not give rise to any claim whatsoever against HSBC. © Copyright. HSBC Bank Malaysia Berhad 198401015221 (127776-V) 2020. All rights reserved. Member of PIDM.

#45 July 2020

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HSBC Bank Malaysia Berhad 198401015221 (127776-V). 1HSBC Premier customers enjoy zero transfer fees. HSBC Advance customers will be chargedUSD7 (debit foreign currency account) or RM22 (debit Ringgit Malaysia account) per transaction. Instant foreign currency to foreign currency exchangetransfer is available 24 hours 7 days. Transfer involving Ringgit Malaysia is from Monday to Friday 9.30am to 3pm. If you perform any transfer outsidethose hours, the actual amount to be debited will be based on the next business day’s exchange rate. 2Receiving countries will be expanding. 3Subjectto destination country’s local regulation and HSBC internal policy requirement.

HSBC BANK MALAYSIA BERHAD | LIquID 1

ZERO FEE on instant money transfers1

to other HSBC accounts overseas.

Simple navigation and easyrepeat payments.

Quick and convenient transfer on a single screen.

Cross-border foreign currency fund transfersare completed in seconds1.

Bring family and friends closer with instant global transfersEnjoy ZERO FEE instant transfers1 to other HSBC accounts3 overseas.

There is now a new and convenient way to send money overseaswith the only banking solution in Malaysia that lets you transfermoney online instantly1 from your HSBC account to other HSBCaccounts in the following countries and territories:

• Bahrain • Bermuda • mainland China • Egypt • Greece • Hong Kong • India • Indonesia • Oman • Philippines • Qatar • Singapore • Sri Lanka • Taiwan • United Arab Emirates • United Kingdom • United States • Vietnam2, with more countries coming soon

Start sending money to family and friends today!Login to HSBC online banking or contact your Relationship Manager.

Enjoy the following benefits with the enhanced Global Transfers

HSBC Bank Malaysia Berhad 198401015221 (127776-V). 1HSBC Premier customers enjoy zero transfer fees. HSBC Advance customers will be chargedUSD7 (debit foreign currency account) or RM22 (debit Ringgit Malaysia account) per transaction. Instant foreign currency to foreign currency exchangetransfer is available 24 hours 7 days. Transfer involving Ringgit Malaysia is from Monday to Friday 9.30am to 3pm. If you perform any transfer outsidethose hours, the actual amount to be debited will be based on the next business day’s exchange rate. 2Receiving countries will be expanding. 3Subjectto destination country’s local regulation and HSBC internal policy requirement.

https://www.hsbc.com.my/security/

As the markets panic over the coronavirus outbreak, it is important to understand how to keep your money safe and come out on top at the other end.

We live in unprecedented times. It is difficult to stay calm and level-headed at

the moment amidst the uncertainty that the COVID-19 outbreak has created globally. No one can predict what will happen in three months or six months or a year from now. Most of us are taking things in stride day-by-day trying our best to cope and hoping that governments, the medical fraternity and our fellow people make the right decisions so we can all emerge from this in a relatively good place.

Certainly, the prolonged impact of the outbreak brings our financial situation to the fore. Questions will arise about our income security, what effect it may have on the wealth we have built, how will it impact our future retirement plans, and so on and so forth.

We understand that it can be difficult to make informed financial decisions that are not driven by fear or emotion amidst the volatility and dramatic sell-offs in the markets which can challenge your commitments to long-term investment plans.

While there is no fool-proof method to navigate the markets in times like this, we believe there are still actions you can take that can make a difference in putting yourself in a safer, if not better, financial position at the other end as we all try to get through this challenging period.

5 TIPS TO HANDLE MARKET VOLATILITYWe hope these tips will provide you with a better idea of how to manage your financial situation and navigate the investment landscape through the market turmoil we are experiencing.

2 HSBC BANK MALAYSIA BERHAD | LIquID

STAY CALM INVEST SMART

,


Markets can fluctuate depending on geopolitical events, economic data release, special events or expectations on valuations and corporate earnings.1 In spite of the severity of the COVID-19 outbreak and its knock-on effects, it is important to remember that volatility is to be expected from time-to-time in financial markets.1

History does not necessarily repeat itself, but we can learn from prior lessons.1 Short-term volatility can happen, but they do not necessarily derail the long-term growth in stock markets.1 Historically, significant recoveries occur following major

setbacks including economic downturns and geopolitical events.1

While news flow such as what we have experienced with the COVID-19 outbreak – as well as other instances like Brexit, trade wars and Middle East tensions – can affect short-term

market sentiment and lead to loss in asset valuations, share prices should ultimately be driven by fundamentals over the long run.1 Therefore, you should avoid panic selling as an investor during volatile periods to avoid missing out on any potential market recovery.1

Financial markets have risen after financial crisis over time

Source: Bloomberg, as at 31 January 2020. Index used: MSCI World Total Return Gross Index

• You can see that the longer the investment time frame, the less likely of a negative return.1 • The 1-year bar graph on the left shows that the performance of the index over any 1-year period between 1999 and 2019 ranged between -51% and 79%. However, for any 10-year period, investment performance of the index ranged between -23% and 225%.1

• Therefore, the longer you stay invested, the more likely you are to enjoy positive returns.1

When markets get rocky, it is tempting to exit the market to avoid further losses.1 However, if you focus on short-term market volatility only, you may end up buying high and selling low.1 Again, history has shown that financial markets go up in the long run despite short-term fluctuations.1

Though markets may not always follow the same recovery path, periods of correction are often critical times to be exposed to the markets.1 Staying invested for longer periods tend to offer higher return potential.1

This chart shows the performance of global equities represented by the MSCI AC World Total Return Index over different time frames between 1999 and 2019.

The performance range of global equities over different time frames

Source: Bloomberg, as of 31 January 2020, calculated by rolling returns in USD within 1-year, 3-year, 5-year and 10-year timeframes. Index used: MSCI AC World Total Return Index

1

2

KEEP CALMShort-term volatility is part and parcel of the investment journey.

REMAIN INVESTEDLong-term investing increases the chance of positive returns.

Returns from $10,000 invested inequiries from 1996 to 2005

2000Dot-com bubble

$20,727

$17,182

2008Financial crisis

Returns from $10,000 invested inequiries from 2006 to 2015

1996 1997 1998 1999 2000 2001 2002 20052003 2004 2006 2007 2008 2009 2010 2011 2012 20152013 2014

250%

200%

150%

100%

50%

0%

-50%

-100%

-51% -45%-25% -23%

79%107%

178%225%

1Y 3Y 5Y 10Y


Diversification simply means the old adage: Don’t put all your eggs in one basket.1 Different asset classes often perform differently under various market conditions due to their unique characteristics and correlation (relationship to behave in a similar or opposite way at the same time) to one another.1

By combining assets with different characteristics, the risks and performance of different investments are combined, thus lowering overall portfolio risk.1 That means, a lower return in one type of asset may be compensated by a gain in another.1

Source: Morningstar, HSBC Global Asset Management, data as at 31 January 2020. All returns in USD, total return.Indices used: MSCI World Index; MSCI Emerging Market Equity; JPMorgan GBI-EM Global Diversified; Bloomberg Barclays Global Aggregate Corporate Bond Index; ICE Bank of America Merrill Lynch Emerging Market Bond Index; ICE Bank of America Merrill Lynch Global High Yield, Citi World Government Bond Index, FTSE EPPRA/NAREIT Listed Property Index, ICE LIBOR 3 Month

The performance of each asset class varies over time

Global equities trade cheaper during economic crises

Source: Bloomberg, MSCI AC World Daily Total Return Index, data as of 31 January 2020

Market downturns may create opportunities

• Price to book ratio (P/B Ratio) is a ratio used to compare a stock‘s market value to its book value – the company's assets minus liabilities.1 It is calculated by dividing the price of the stock by its book value per share.1 A lower P/B ratio could mean that the stock is undervalued.1

• The chart shows that high levels of selling during economic crises drives valuations down, which can provide buying opportunities.1 • Sometimes, company valuations are at their lowest during these times because everyone seems to have a negative view.1 • Opportunities can arise when market sentiment is the lowest – when all the news is negative.1 For example, between November 2008 to March 2009, valuations reached the lowest point over this period at 1.28x.1 This was followed by a lengthy period of positive returns.1

3 STAY DIVERSIFIEDDiversification can help achieve a smoother ride.

When markets decline, don’t be passive or follow the herd mentality.1 Valuations tend to be driven down to attractive levels when market sentiment is negative, which often provides investment opportunities.1 In bull markets, people tend to invest as they chase returns for fear of missing out.1 In bear markets, people tend to sell. When investors overreact to market conditions, they may miss some of the best performing days.1

While no one can predict market movements, periods when everyone is overwhelmingly negative can often turn out to be some of the best times to invest.1

4 TAKE ADVANTAGEMarket downturns may create opportunities.

Price-to-book ratio

Average P/B 2.2x

P/B 2.4x

2015China

growthconcerns

2011Europeansovereigndebt crisis

2008Financial

crisis2003SARS

2001DotcomBubble

1998Asian

currencycrisis

43.53

2.52

1.51

0.50

Feb-

1995

Jan-1

996

Dec-19

96

Nov-19

97

Oct-19

98

Sep-19

98

Aug-20

00

Jul-2

001

Jun-2

002

May

-2003

Apr-20

04

Mar-

2005

Feb-

2006

Jan-2

007

Dec-20

07

Nov-20

08

Oct-20

09

Sep-20

10

Aug-20

11

Jul-2

012

Jun-2

013

May

-2014

Apr-20

15

Mar-

2016

Feb-

2017

Jan-2

018

Dec-20

18

Nov-20

19

Bestperformingasset classin year

The best-performingasset class in one year…

Annualisedreturn2008

9.21 78.51 19.63 8.15 27.73 26.68 15.02 1.30 16.21 37.28 2.60 27.67 8.00 31.423.84-5.09-5.22-10.19-19.63-27.01-40.71-48.16-53.33

60.7037.1330.4629.9927.2421.9816.601.011.00

18.8815.6815.3912.5011.7611.647.243.360.34

5.494.793.180.27-1.14-1.75-5.54-6.46-18.42

20.9319.3819.2012.0611.9610.295.972.851.11

6.785.525.285.104.093.933.491.501.09

21.9118.4214.7814.5414.3113.4712.517.592.61

2.08-1.00-1.90-4.22-4.63-5.63-6.21-8.71-14.58

22.4015.2112.4710.3610.018.025.702.141.10

11.199.949.487.677.516.224.063.750.66

0.630.23-0.24-0.79-0.87-2.03-3.51-14.92-14.92

8.357.607.314.944.232.530.23-2.19-5.72

7.103.672.290.290.220.07-2.60-5.79-8.98

18.8918.3018.2216.7615.8314.6310.924.500.51

2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019Annualised

volatility

Can be the worst-performingasset class in another year…

Worstperformingasset classin year

EM EquityGlobal Government

EMD LocalCash

DiversifiedGlobal Corporate

DM EquityGlobal High Yield

EMD HardProperty


HSBC Global Asset Management viewpoint amidst volatilityThings have been changing daily and markets have been fluid. As HSBC Global Asset Management followed the developments, here were their key views as things continue to unfold…

• Global risk assets have sold off sharply and volatility has surged amid the global outbreak of COVID-19.2 The current environment suggests that a global recession is now the most probable scenario.2 The only question is for how long and how deep.2

• In response, the US Federal Reserve has cut federal fund rates by 100bp to 0.25% and committed to at least US$700 billion of asset purchases in the months ahead.3 The European Central Bank and Bank of England have also made similar moves, delivering comprehensive easing packages in the face of the health crisis we face.3

• HSBC Global Asset Management believes it makes sense to adopt a more neutral tactical view in the one to three-month period on developed market equities in such a highly uncertain and volatile environment.2 However, they maintain a strategically pro-risk stance in the 6+ months outlook in the context of hugely improved relative valuations for risky assets.2

• Be prudent and practice greater selectivity in risk assets that you hold as an investor.4 HSBC Global Asset Management sees greater potential for policy stimulus in the US, China and many Emerging Markets (EM) and believe it makes sense to allocate a higher weight to EM and US equities relative to the eurozone and Japan.4 With the eurozone economy facing significant challenges from the outbreak and policy makers facing some constraints to prompt action, HSBC Global Asset Management is cautious on exposure to the eurozone.5

Investing regularly means continuous investment regardless of what is happening in the markets.1 When you make fixed regular investments, you buy more units when prices are low and less when prices are high.1 This will smooth out your investment journey and average out the price at which units are bought.1 It reduces

the risk of investing a lump sum at the wrong time, especially amidst market volatility.1

The longer time frame you hold your investments the better the potential outcome, because it allows more time for your investments to grow – the compounding effect.1

Dollar-cost averaging helps smooth the effects of market movements

Source: HSBC Global Asset Management, 31 January 2020

5 INVEST REGULARLY DESPITE VOLATILITYStay invested for the long haul.

The chart shows what happens to US$1,000 invested monthly. More shares are purchased when prices are lower and fewer shares are purchased when prices are higher.1 This approach can help you stick to an investment plan, while reducing the impact of short-term market movements on your portfolio versus a lump sum investment of the same amount.1

Price per share (USD)

Price per share Average

1.30

1.20

1.10

1.00

0.90

0.80

0.70

0.60Month 1

USD

Price per share

Monthlycontributions

Shares purchased

Cumulative value ofshares

1

1.00

1,000

1,000

1,000

Month Month Month Month Month Month Month MonthMonthMonthMonth Month2

0.95

1,000

1,053

1,950

3

0.88

1,000

1,136

2,806

4

0.84

1,000

1,190

3,679

5

0.75

1,000

1,333

4,285

6

0.80

1,000

1,250

5,570

7

0.73

1,000

1,370

3,679

8

0.85

1,000

1,176

4,285

9

0.98

1,000

1,020

10,319

10

1.05

1,000

952

12,056

11

1.16

1,000

862

14,319

12

1.09

1,000

917

14,455

Total

12,000

13,261

14,445

Month 2 Month 3 Month 4 Month 7 Month 9 Month 10 Month 11Month 8Month 5 Month 12

0.90

1.000.95

0.88

0.84

0.80

0.85

0.98

1.05

1.16

1.09

0.75

0.73

Month 6

So, take a moment and a deep breath. There is light at the end of the tunnel if you make the right decisions now, and act on facts rather than on fear. HSBC Malaysia offers a wide selection of diversified global portfolios and Asia managed solutions that can form part of your investment strategy to tackle these volatile times. Your Relationship Manager and our specialists are here to assist so you can make financial and investment decisions that will put you in a better position.

HSBC Asia Managed Solutions• Selection of Asia multi-asset portfolios to cater for three different risk profiles, capturing both growth potential from equity markets and income from fixed income assets • While being Asia focused, the portfolios also allocate a reasonable exposure to global assets to enhance portfolio diversification benefits, mitigating unsystematic risks.


Sources: 1 HSBC Global Wealth Insights, 5 Tips to handle (persistent) market volatility, 14 February 2020. 2 HSBC Global Asset Management, Investment event: Adapting to a volatile environment, 16 March 2020. 3 HSBC Global Asset Management, Investment event: Federal Reserve goes all out, 16 March 2020. 4 HSBC Global Asset Management, Investment event: Uncertainty breeds volatility, 9 March 2020. 5 HSBC Global Asset Management, Investment event: ECB – Focusing on liquidity, 12 March 2020.

HSBC Diversified Portfolios

Diversified Global Portfolios• Selection of global portfolios offering broad multi-asset diversification managed to five different risk profiles.

Important informationThis information is prepared by HSBC Global Asset Management (Singapore) Limited (“AMSG”).

This information does not constitute an advertisement, offer, invitation, commitment, advice or recommendation to make a purchase of securities or enter into any such transaction. The information and the presentation represents the opinions and judgements of the respective speaker. HSBC Bank Malaysia Berhad/HSBC Amanah Malaysia Berhad (the “Bank”) has not been involved in the preparation of this information. The Bank neither endorses nor is responsible for the accuracy or reliability of, and under no circumstances will the Bank be liable for any loss or damage caused by reliance on, any opinion, advice or statement made in this document or given in the presentation. Investors are solely responsible for making his/her own independent appraisal of the contents herein. Do not invest in them unless you fully understand and are willing to assume risks associated with them.

This information is for investors’ information only and not to be distributed to anyone or in any jurisdiction that would make such distribution unlawful. You should refer to the offering documents and/or relevant documents for further details. You must make your own assessment of any such transaction and the risks and benefits associated with it and of all the matters referred to above in view of your investment experience, objectives, financial resources and circumstances. You should enter into transactions only after having considered, with the assistance of your external advisors, the specific risks of any such transaction. Past performance and future forecasts are not indicative of its future performance.

100%Equities

POTENTIAL RISK

PO

TEN

TIA

L R

ETU

RN

Across all risk profilesthere are solutions that meet yourinvestment needs.

100%Bonds

if you want to reduce market volatilitychoose a portfolio with higher bond allocation.

If you want to buy the dip,consider a portfolio with higherequity allocation.

Portfolio 1<5%

Risk Profile

Portfolio 25% - 8%

Risk Profile

Portfolio 38% - 11%

Risk Profile

Portfolio 411% - 14%Risk Profile

Portfolio 5>14%

Risk Profile

Global Equity

Global Government Bond

Global Corporate Bond

Global High Yield Bond

ABS

Emerging Market Debt - Hard Currency

Emerging Market Debt - Local Currency

Property

Liquid Alternatives

Source: HSBC Global Asset Management, 31 December 2019. Overall AUM in WS Lux: USD 3.2bn

#1

Asia ex Japan Equity

Japan Equity

Government Bond

Asian Local Currency Bonds


Liquidity

Global Emerging Market– Debt Local Currency

Asian Investment Grade Bond


Japan Equity



Hong Kong Government Bond

Liquidity

Asian Investment Grade Bond

Asian High Yield Bond


Japan Equity


Liquidity



#2 #3

Portfolio 1<5%

Risk Profile

Portfolio 25% - 8%

Risk Profile

Portfolio 38% - 11%

Risk Profile

Portfolio 411% - 14%Risk Profile

Portfolio 5>14%

Risk Profile

Global Equity

Global Government Bond

Global Corporate Bond


ABS

Emerging Market Debt - Hard Currency

Emerging Market Debt - Local Currency

Property

Liquid Alternatives

Instant. Simple. At your convenience. Make global transfers andpayments with HSBC.

Foreign Exchange Solutions

Wherever you need to send money to around the world, we’ve got youcovered with HSBC foreign currency transfers and payments.

Instant transfersHSBC Global Transfer1 o�ers thequickest way to send money overseas with instant online transfers2 to your own and third-party HSBC accounts in 18 countries3.

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ConvenienceEnjoy greater convenience with extended hours for currency conversion 24 hours a day, 7 days a week.

Together we thrive

To learn more, contact your Relationship Manager or login to HSBC online banking.

HSBC Bank Malaysia Berhad 198401015221 (127776-V). Member of PIDM. 1For HSBC Premier or HSBC Advance customers only. Subject to local regulatory and HSBC internal policy requirements. 2HSBC Premier customers enjoy zero transfer fees. HSBC Advance customers will be charged USD7 (debit foreign currency account) or RM22 (debit Ringgit Malaysia account) per transaction. Instant foreign currency to foreign currency exchange transfer is available 24 hours 7 days. Transfer for Ringgit Malaysia is from Monday to Friday 9.30am to 3pm. If you perform any transfer outside those hours, the actual amount to be debited will be based on the next business day’s exchange rate. 3Receiving countries will be expanding.



HSBC is committed to help you reach your financial goals through We Can We Do.

Financial literacy ignites the spirit of We Can We Do

Now is the time for our resilience to shine. In 2020, we are faced with the impact of the global pandemic but together, we will overcome the challenges.

The launch of We Can We Do signifies our commitment to support Malaysians in attaining their financial ambitions. We Can We Do is a localised version of the bank’s global brand philosophy: ‘Together we thrive’. Through this initiative, HSBC Malaysia aims to cultivate the Can-Do spirit in the local community by focusing on financial empowerment as a key enabler to help Malaysians achieve financial growth and freedom.

Despite the challenges we face today, our local mission is to help Malaysians reach their financial goals of tomorrow. Through the Can-Do spirit, we want to empower Malaysians, starting from a young age, to strive for more than what they have, achieve progression in their lives and achieve goals that they’ve always dreamt about. We believe this Can-Do spirit is important because it will drive Malaysians to do better and challenge the status quo to lead happier and healthier lives.

When the going gets tough, the tough stays resilient.


According to Financial Behaviour and State of Financial Well-Being of Malaysian Working Adults 2018 (AFBES18), a third of Malaysians are uncomfortable with their financial knowledge. AFBES18 also highlights that 53% of Malaysian respondents face difficulties with raising even RM1,000 for emergencies. To address this gap, HSBC Malaysia is spearheading a mission to instill financial literacy amongst the local communities to enable Malaysians to take charge of their financial life.

At HSBC, we believe we can turn our Cans into Dos with better financial knowledge. A strong understanding of personal finances and business financial knowledge is key to nurture the Can-Do spirit.

Stuart Milne, CEO of HSBC Malaysia believes it is more important than ever for people to possess the ability to make informed financial choices regarding saving, investing and borrowing, especially in the current climate, because the decisions we make today will affect our tomorrow.

“As an organisation that understands the economic and societal impact of financial literacy, we strongly advocate a proactive approach to financial literacy and that it needs to start from a younger age. It is our collective responsibility to raise financially-savvy leaders of tomorrow and to break the cycle of financial illiteracy,” says Milne.

We would like to make financial literacy accessible to all Malaysians because it is a key enabler that leads us to progress, prosperity and success.

Stuart MilneCEO

HSBC Malaysia

Financial literacy as the

ignition for We Can We Do.

Through the Can-Do spirit,we want to empower Malaysians,

starting from a young age…


We Can We Do initiative includes curated roundtable sessions and financial masterclasses led by HSBC’s own financial experts, industry leaders and financial-savvy Malaysians from reputable finance publications. These roundtable sessions will cover topics on finance for individuals, entrepreneurs and business owners, which aim to equip participants with financial tools and the know-how to help them better plot their financial future.

Recognising the importance of instilling financial literacy from young, HSBC Malaysia has partnered with the non-profit organization, Teach For Malaysia (TFM), to design a Financial Empowerment Programme that uses a game-based approach to help children understand key financial concepts.

The programme, which will be rolled out through a five-module financial literacy toolkit, will simulate real-life scenarios to guide children on financial concepts such as setting goals, budgeting, savings, how to identify and handle financial scams and how to develop good spending habits.

HSBC will also be featuring a series of local ‘Can-Do’ Heroes that have turned “Can” into “Do” as part of the initiative to motivate and inspire Malaysians. These ‘Can-Do’ Heroes come from all walks of life – from differently abled entrepreneurs to national badminton players to young volunteers – and their remarkable stories are a true embodiment of the ‘We Can We Do’ spirit.

“As we adjust to the new normal, it is also critical that each one of our staff displays that Can-Do spirit and take the actions necessary to help our customers get back on their feet,” says Milne.

HSBC is committed to be with Malaysians on their journey to achieve financial freedom and dreams by imparting financial wisdom and offering financial solutions.

To learn more about We Can We Do, go to HSBC Malaysia’s Facebook page: https://www.facebook.com/HSBCMalaysia.

…uses a game-based approachto help children understand

key financial concepts.

HSBC Bank Malaysia Berhad 198401015221 (127776-V). Member of Perbadanan Insurans Deposit Malaysia. *Protected by Perbadanan Insurans Deposit Malaysia up to RM250,000 for each depositor. 1After the Promotion Period, the interest rate for the HSBC Everyday Global Account will revert to the prevailing board rate applicable at that time. Interest will be calculated on a daily basis and credited into the HSBC Everyday Global Account on a monthly basis. Amended Terms and Conditions for Save with HSBC Everyday Global Account Promotion apply. Promotion Period: 30 March 2020 until 31 December 2020. 2The Japanese Yen Account have been added to your HSBC Everyday Global Account. 3Source: Global foreign exchange market turnover in 2019, 8 December 2019.

10 MAJOR CURRENCIES PLUS RINGGIT MALAYSIA, 1 ACCOUNT.

Kon’nichiwa! Announcingthe arrival of Japanese Yen.Another currency option for yoursavings during this time of uncertainty.

Introducing the JAPANESE YEN.

The newest addition to HSBC Everyday Global Account’s available currencies2. Now you can expand your currency portfolio to save andtransact in 11 currencies with 1 account as you hedge against current volatility in the market.

on Ringgit Malaysia balances with HSBC Everyday Global Account*Enjoy up to

1

COMMON PERCEPTION OF YEN AS A SAFE-HAVEN CURRENCY.

IT IS THE 3RD MOST COMMONLY TRADEDCURRENCY IN THE WORLD3.

Get your Yen online

At home or on-the-go, you can access your Everyday Global Account to buy Japanese Yen through the convenience of online banking

Key Facts of Japanese Yen

Start saving and transacting today.Do it online now.

Move moneybetween youraccounts

Make foreignexchange transactionsincluding transfers and payments

Make instanttransfers including transferring moneyand paying bills

Pay your utilitiesOpen TimeDeposit accounts

Manage all youraccounts in one place

https://www.bis.org/statistics/rpfx19_fx_annex.pdf

https://cdn.hsbc.com.my/content/dam/hsbc/my/docs/accounts/everyday-global/offers/2020-apr-promotion-terms-and-conditions.pdf



What do you like to buy online? Travel seems to be a darling with 39% of Malaysians

spending their money online on holidays, followed by consumer electronics (17.3%), and furniture and household goods (13%).1 And it seems we’re just as happy shopping online from local stores as we are from overseas websites.1 Locally, our favourite online shopping sites include Lazada, 11street and Shopee, while the top three countries we shop overseas are China, Singapore and Japan.1

There’s good reason many of us are choosing to do our shopping online rather than in person. Shopping online can be fast, economical and very convenient. The recent health crisis that has kept us at home a lot more has probably introduced more of us to the convenience of shopping online as well. However, before you set yourself loose onto the internet marketplace, there are some tips about online shopping you should know. A smart online shopper can save time and money, but it’s important you don’t get caught out by scams or find yourself stuck with clothes that don’t fit.

Here are tips to help you make the most of your online shopping.

Hands up if you have shopped online. You are part of every one-in-two Malaysians who has shopped online.1

Be a Savvy Online Shopper

And it looks like you lot are just starting – the Malaysian e-commerce market is expected to grow at a compound annual growth rate of 24% to 2021.1

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Take your timeIf you find something you really want, add it to your shopping basket and sit on it for a few days.2 Retailers track shopper activities, so many will nudge you with an email, and may even throw in a discount code, to motivate you to commit to the purchase.2 It makes waiting well worth it.2

Prices and discounts also fluctuate throughout the year.3 According to Lifehacker website, you’re more likely to find the most discounts in November and January, and on Tuesdays and Thursdays.3 March is the worst month for finding discounts – so if you’re thinking about making a major purchase online, you may want to give the month a miss.3



Voucher codes and coupons are your best friendUsing voucher codes and coupons can make online shopping genuinely cheaper.2 Imagine getting 20% off all your purchases just for signing up to a site.2 You can make what is already usually less expensive online shopping even more enjoyable and cheaper with some tips and tricks.2 With retailers desperately competing for customers, you can often take full advantage of cashback sites, voucher codes and price comparisons.2 Before you buy anything from an online store, you can even quickly Google-search the name of the company for any discounts or coupons available.3 There’s a good chance you may find a voucher or coupon code to apply to your purchase.3

Read the reviewsProduct reviews can be incredibly helpful when you’re making online purchases – especially if you’re buying a product or a brand you are not familiar with.3 Reviews can tell you if the product looks the way it does in photos or how it holds up over time.3 For clothes especially, they can give you valuable information about fit.3 Pay attention to patterns – if reviewer after reviewer says that a shirt runs small or that a chair that looks blue online is actually grey in reality, believe them.3

But, remember to read reviews with a pinch of salt.3 Most of the time, customer reviews can be really helpful, but sometimes they can be fake as well.3 Practice some healthy scepticism of online reviews.3 Spot fakes by keeping an eye out for reviews that are exceedingly enthusiastic or overly specific.3 If a product has a lot of reviews and they are all positive, that should raise alarm bells as well.3

Verify website securityMost online shopping websites offer secure shopping these days.4

But if they don’t, lurking criminals can capture all the information you enter into forms on those sites including your personal and credit card information.4 Choose to shop on secure sites. You can tell if a site is secure by the URL.4 A secure website address starts with https:// instead of http://. Secure sites also have a small lock icon to the left of the URL.4

Don’t shop on a shared device or in public Do your online shopping at home

on your computer or smart phone.4 At home, you know who accesses your devices.4 If you’re using a shared computer or public network to do your shopping – at the library, in a cafe or at work – you have no control over who else might be using that device or network.4 Nor can you control what kind of spyware or malware might be infecting that computer.4 So, it’s much safer to shop at home where you know both your device and network are secure.4

Create strong passwordsAccording to a survey by PCMag in Australia, 35%

of people never change their passwords.5 If you are like one of these people, make sure you are using uncrackable passwords.5 It is especially important when you are doing online banking and shopping.5 But sometimes, even your perfect password may not be perfect.5 The smarter move is to use a password manager to create virtually uncrackable passwords for you.5 The software will also keep track of your passwords and enter them – so you won’t have to worry about remembering all your passwords.5

Check statements regularlyWith online banking, you don’t need to wait till the end of the

month to check your statements.5 For example, you can log into HSBC online banking or the mobile banking app to view your credit card, debit card and bank account statements online.5 Look for any fraudulent charges, even originating from payment sites like PayPal.5 If you see something wrong, pick up the phone and call the bank to address the matter quickly.5

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PRACTICE SAFE ONLINE SHOPPINGAs you shop online, it’s important to stay safe by using some common sense and following some practical advice.


Be wary of newsletter and email list sign-upsOften when you visit a shopping website, you’ll get a pop-up asking you to sign up for the site’s newsletter in exchange for an offer coupon or discount code.3 Or in many cases, you’ll automatically be signed up for email lists when you purchase something from an online store.3 While taking advantage of discount coupons may be a great way to save money, the emails you end up receiving may do more harm than good.3

The constant flow of emails prompt us to check out new products and sales when we otherwise wouldn’t, and can create a want or need where there isn’t one.3 For those who lack self-control, this could lead to more spending than necessary.3 Unsubscribing from email lists is a great way to decrease your desire to shop online.3

Avoid counterfeits and scamsIf it seems too good to be true, it probably is.3 You should remember this mantra when shopping online.3 Counterfeits are common online even on well-known sites like Amazon. It can be difficult to spot fakes online, but using common sense helps.3 Choose to buy directly from brands’ online stores rather than third parties and be suspicious of prices that seem unrealistically low.3 If it feels “off”, shop somewhere else.3

Now that you’re better informed to be a smarter online shopper, go forth and happy shopping…

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One of the best reasons to shop online is the ability to buy whatever you want from all around the world. And a good card to shop with is the HSBC Everyday Global Visa Debit Card linked to the HSBC Everyday Global Account6. Here’s why…

• With the new addition of supported currency – Japanese Yen & Saudi Riyal, you can now shop online and transact with ease in 11 different currencies with just one debit card.• Other available supported currencies are: US Dollar, Canadian Dollar, British Pound, HK Dollar, Australian Dollar, NZ Dollar, Singapore Dollar, Euro and Malaysian Ringgit.• Pay zero currency conversion fees when you use available supported currencies for your online shopping7.• Save with zero debit card issuance and annual fees.• Safeguard your debit card usage with One-Time Password (OTP) authentication on online and mobile purchases. For your peace-of-mind, we also send SMS transaction alerts on your purchase transactions.

HSBC EVERYDAY GLOBAL VISA DEBIT CARDYour Best Pal For Online Shopping

Sources: 1 J.P. Morgan, E-commerce payment trends: Malaysia, 2019. 2 The Telegraph, How to become an online shopping pro, 22 March 2017. 3 Bustle.com, 11 things you need to know about online shopping to get your full money’s worth, 21 March 2017. 4 The Balance, How to protect your identity when shopping online, 23 November 2019. 5 PCMag Australia, 14 tips for safe online shopping, 13 November 2018. 6 Protected by Perbadanan Insurans Deposit Malaysia up to RM250,000 for each depositor. 7 Applicable to successful retail purchases, online shopping and cash withdrawals performed with Visa Debit Card under the supported currencies only. For supported currencies: If you do not have sufficient foreign currency to complete a transaction, we will convert at prevailing rate as determined by the bank and bill you in Ringgit Malaysia. For unsupported currencies: The entire transaction amount shall be converted at a prevailing rate as determined by Visa International and billed to you in Ringgit Malaysia, except for cash withdrawals performed via HSBC Group ATMs (GATS) which the withdrawn amount will be automatically converted to Ringgit Malaysia at the prevailing rate as determined by the bank.

How does the card work?1. You can use the card locally to make RM transactions or make purchases overseas and online in a foreign currency.2. If you like to shop online, for example on Japan websites, you could start saving in Japanese Yen through your Everyday Global Account. 3. Then when you make a purchase on the websites - JPY10,000 in this case - we’ll deduct JPY10,000 from your linked HSBC Everyday Global Account with no hidden charges.4. If you don’t have enough foreign currency in your account (in this case JPY), we’ll convert it and you’ll be charged in RM with no administration charges.

To learn more about the HSBC Everyday Global Account, call your Relationship Manager or visit www.hsbc.com.my/ega2

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For more SmartPrivileges offers, visit www.hsbc.com.my/sp*Terms and Conditions of the respective merchants apply. HSBC SmartPrivileges Terms & Conditions apply. Full terms and conditions are available at www.hsbc.com.my/sp

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HSBC’S Fund SeleCtion FoR PoRtFolio AlloCAtion SeRViCeshort-term fund performance

Talk to your Relationship Manager for more information on the above funds.

Portfolio Allocation Service is provided to you to assist you in constructing, at asset class level, your unit trusts investment portfolio by referring to a Reference Asset Mix. The Reference Asset Mix is suggested by HSBC based on your risk profile, needs, investment preferences, knowledge and experience. All information provided is for reference only, you are encouraged to also consider your personal circumstances in following the Portfolio Allocation Service. Data is sourced from Morningstar Asia Limited on Apr 29, 2020.

REFERENCE ASSET MIx

RiSK PRoFile - BAlAnCed RiSK PRoFile - AGGReSSiVe RiSK PRoFile - SPeCulAtiVe

8%

8%

5% 11%

18%

26%24%

5%

5%

5% 14%

22%

34%

15%

3%

3%

5% 16%

26%38%

9%

Legend

Global Equity

Asia Pacific ex-Japan Equity

Malaysia Equity

Global Fixed Income

Asian Fixed Income

Malaysia Fixed Income

Property Equity

FUND NAMEASSET CLASS

1 MONTH(01.04.20 to

30.04.20)%

3 MONTHS(01.02.20 to

30.04.20)%

6 MONTHS(01.11.19 to

30.04.20)%

1 YEAR(01.05.19 to

30.04.20)%

3 YEARS(01.05.17 to

30.04.20)Annualised %

Affin Hwang Select Bond (MYR) 2.71 -2.21 -0.24 4.45 3.84

Affin Hwang Aiiman Growth 5.42 -12.27 -11.78 -12.45 -4.78

RHB Asian Total Return 2.73 -1.77 -2.58 0.83 -0.02

Eastspring Investments Dana al-Ilham 6.35 -10.27 -11.48 -11.83 -2.55

RHB Asia High Income Bond (MYR-Hedged Class) 1.13 -6.43 -4.53 0.05 n/A

Eastspring Investments Equity Income 4.51 -10.78 -11.66 -13.29 -2.66

Eastspring Investments Growth 7.49 -7.77 -7.38 -9.90 -6.02

Affin Hwang Aiiman Income Plus 3.64 1.10 3.43 7.60 5.89

CIMB-Principal Bond 2.88 0.97 3.09 7.84 5.95

Principal Islamic Lifetime Sukuk 2.31 0.79 2.99 8.00 6.00

Manulife Investment Asia-Pacific REIT 4.64 -16.91 -17.62 -13.47 1.53

Manulife Shariah Global REIT (MYR) 9.69 -9.87 -11.03 -3.93 n/A

Asian Fixed Income

Malaysia Equity

Malaysia Fixed Income

Property Equity

Advantage Global Equity Volatility Focused Fund 9.02 -18.43 -12.44 -10.29 -0.01(MYR-Hedged Class)

United Global Durable Equity (MYR-Hedged) 7.54 -14.27 -10.36 -4.01 4.94

Advantage Global High Income Bond 5.29 -8.70 -7.02 -2.31 n/A(MYR-Hedged)

Affin Hwang Select Asia ex Japan Opportunity 8.31 -1.83 5.19 1.97 3.77

Principal Asia Pacific Dynamic Income (MYR) 6.96 -12.69 -9.51 -8.45 1.80

Affin Hwang Aiiman Asia (ex Japan) Growth 7.76 -1.29 5.70 3.36 4.45

Advantage Asia Pacific ex Japan Dividend 6.66 -10.96 -8.08 -7.38 -0.06

Principal Islamic Asia Pacific Dynamic Equity 7.91 -5.42 -0.04 0.12 2.43

Global Equity

Global Fixed Income

Asia Pacific ex-Japan Equity

We Can We Do让财务知识开启您的财富人生。

您的财经及所有与您有关的事

7月2020年

#45

保持冷静，明智投资第2页

财务知识，点燃“We CanWe Do”的精神第8页

当一个精明的网上购物者第12页

KDN

: PP1

6208

/07/

2013

(033

027)

团结一心，让我们变得更强大

超过150年以来，汇丰银行一直陪伴并

支持我们的客户和马来西亚社会度过无

数的顺境和逆境。我们坚持不懈，勇于

应对并克服这一场无疑是我们许多人

一生中所面对最大的挑战，与此同时，

汇丰银行也致力于为您和广大社群提供

支持。

当我们为了当前情况全力以赴时，也不

要忽略了展望未来的重要性。除了适应

崭新的“正常”生活方式，我们也应该重

新评估我们的财务目标和策略。在这一

场健康危机之前我们所了解的金融市场，

如今已经有所不同。不过，千万不要

过度反应。情况或许有所差异，但是

经得起时间考验的投资策略仍然能够应

对市场波动。像是“保持冷静”、“持续

投资”和“投资多元化”等真言，是其中

一些在这段期间有用的投资建议。

我鼓励您阅读我们有关投资技巧的专题

文章，以应对市场的波动，以及管理您

在规划未来投资策略时可能会考虑的投

资基金。我们随时为您提供协助，您的

客户关系经理已准备就绪，指导您为崭

新的未来做出正确的投资决策。

在面对各种挑战之时，我很高兴可以分

享我们重新致力于支持马来西亚人实现

他们的财务目标。通过推出“We Can

We Do”，即汇丰银行国际品牌理念

“Together We Thrive”的本地诠释，

我们希望在本地社群中培养“Can-Do”

的精神，通过经济赋权来协助马来西

亚人取得财务上的增长和自由。请阅

读该文章，进一步了解有关我们推行

“We Can We Do”的愿景。

最后，我们很高兴地宣布，汇丰银行日

常全球账户所支持的外币中添加了日元

和沙地里亚尔，为您的外币管理和支出

方面提供更多的选择和灵活性。

在我们一起携手迈进这个全新的世界

之时，我们决定将Liquid数码化。这是

为了响应汇丰银行在可持续性发展方面

更广泛的承诺，致力于在营运上减少对

环境的影响。从这一期开始，Liquid

仅限于发行电子版，让您可以随时随地

阅读，掌握最新资讯。

多加保重，阅读愉快！

Tara Latini马来西亚区财富与个人银行业务主管

出版人马来西亚汇丰银行公司198401015221(127776-V)，No. 2, Leboh Ampang, 50100 Kuala Lumpur。编辑Rozalynn Zainul, Esther Wong, Foong Ken Voon, Judith Goh Jia Yee, Looi Miin Wei。欲了解更多有关汇丰银行的产品及服务，欢迎联络我们。

• 电询1 300 88 9393 • 浏览www.hsbc.com.my • 亲临您邻近的汇丰银行分行。此份刊物乃汇丰银行马来西亚有限公司(以下

统称为“汇丰银行”)为其特选客户私人发行的刊物，一般人等不可因任何目的而重新发布、复印、抄袭或出版其局部或全部的

内容。此份刊物仅供一般资讯参考，不可被视为汇丰银行之任何忠告、建议或购买产品的献议。汇丰银行并未在本刊物中支

持或宣传任何第三者(汇丰集团成员除外)或网站。

本刊物所包含之意见、声明与资讯，乃基于所搜集之资讯的可靠性编辑而成。汇丰银行并不担保这些意见、声明与资讯的准确性、全面的公正性以及可

靠性。有鉴于此，不可对任何可能因此而产生的损失向汇丰银行提出索偿。©版权。马来西亚汇丰银行公司198401015221(127776-V)2020。版权所有。马来

西亚汇丰银行公198401015221(127776-V)。PIDM构成员。

#45 07月2020年

马来西亚唯一让您从您的汇丰银行账户即时在线转账1至其他海外汇丰

银行账户的新兴汇款方式，方便又快捷，您可汇款至以下国家和地区：

• 巴林 • 百慕大 • 中国大陆 • 埃及 • 希腊 • 香港 • 印度

• 印度尼西亚 • 阿曼 • 菲律宾 • 卡达尔 • 新加坡 • 斯里兰卡

• 台湾 • 阿拉伯联合酋长国 • 英国 • 美国 • 越南2，更多国家

将紧随其后。

通过优化的Global Transfers享受以下好处：

HSBC Bank Berhad 198401015221(127776-V)。1汇丰卓越理财客户享受零转账费。汇丰银行高级客户每次交易需支付7美元(借记外币帐户)或22令吉(借记

令吉帐户)。每周7天、每天24小时提供即时外币兑换转账成外币的服务。外币兑换成令吉则是从周一至周五，上午9时30分至下午3时。如果您在上述时间

以外进行任何转账，则实际借记的金额将基于下一个工作日的汇率。2接收转账的国家将扩增。3需遵守目的地国家的当地法规和汇丰银行内部政策需求。

如今只需单击数次即可向亲朋好友汇款。

登录网上银行或联系您的客户关系经理。

即时全球转账，

拉近您与亲朋好友的关系

享受即时转账1至海外汇丰银行账户免手续费的好处。

即时转账1到其他海外汇丰

银行账户时免手续费。

简单的操作方式，

容易进行重复付款。

在单个屏幕上进行

快速便捷的转账。

跨境外币资金

转账只需数秒即可完成3。

马来西亚汇丰银行公司 | LIquID 1

马来西亚唯一让您从您的汇丰银行账户即时在线转账1至其他海外汇丰

银行账户的新兴汇款方式，方便又快捷，您可汇款至以下国家和地区：

• 巴林 • 百慕大 • 中国大陆 • 埃及 • 希腊 • 香港 • 印度

• 印度尼西亚 • 阿曼 • 菲律宾 • 卡达尔 • 新加坡 • 斯里兰卡

• 台湾 • 阿拉伯联合酋长国 • 英国 • 美国 • 越南2，更多国家

将紧随其后。

通过优化的Global Transfers享受以下好处：

HSBC Bank Berhad 198401015221(127776-V)。1汇丰卓越理财客户享受零转账费。汇丰银行高级客户每次交易需支付7美元(借记外币帐户)或22令吉(借记

令吉帐户)。每周7天、每天24小时提供即时外币兑换转账成外币的服务。外币兑换成令吉则是从周一至周五，上午9时30分至下午3时。如果您在上述时间

以外进行任何转账，则实际借记的金额将基于下一个工作日的汇率。2接收转账的国家将扩增。3需遵守目的地国家的当地法规和汇丰银行内部政策需求。

如今只需单击数次即可向亲朋好友汇款。

登录网上银行或联系您的客户关系经理。

即时全球转账，

拉近您与亲朋好友的关系

享受即时转账1至海外汇丰银行账户免手续费的好处。

即时转账1到其他海外汇丰

银行账户时免手续费。

简单的操作方式，

容易进行重复付款。

在单个屏幕上进行

快速便捷的转账。

跨境外币资金

转账只需数秒即可完成3。


当市场对新型冠状病毒的爆发感

到恐慌时，更为重要

的是要了解如何确保

您的资金安全，

并在危机结束后

占尽上风。

2 马来西亚汇丰银行公司 | LIquID

我们正生活在前所未有的时代，

新冠病毒疫情在全球造成的不

确定性，让我们此刻难以保持冷静和

理智。没有人能预测从现在起3个月、

6个月或一年后究竟会怎么样。我们大

多数人都是每天走一步看一步，尽最大

的努力去应对，同时希望政府、医疗体

系和人民做出正确的决定，以便我们

都能安然度过这场危机。

疫情的爆发造成的长期影响，无疑突

出了我们的财务状况。各种问题随之

而来，有关我们的收入保障，疫情对

我们所累积的财富以及我们未来的退

休计划会造成什么样的影响等等。

我们了解，市场的波动和急剧抛售可

能会让您所定下的长期投资计划面临

考验，以至于在财务方面很难做出不

受恐惧或情绪所驱动的明智决策。

我们都在试图熬过这个艰巨的时期，

尽管目前尚无万无一失的方法来驾驭

市场，但我们认为您仍然可以采取一

些措施来改善现状，好让自己在危机

结束后处于更安全、或甚至更好的财

务状况中。

应对市场波动的5个建议

我们希望这些建议能在我们所经

历的这一波市场动荡中，为您提

供更好的想法，帮助您管理财务

状况，掌握投资前景。

明智投资

保持冷静，


市场可能会因地缘政治事件、经济数据

的发布、特殊事件或对股价和公司收益

的预期而波动1。虽然新冠病毒疫情和其

连锁影响如此严重，但要切记，金融市

场不时波动本是意料中事1。

历史不一定会重演，但我们可以从经

验中学习1。短期的波动可能会发生，

但未必会阻碍股市的长期增长1。根据

以往记录，市场会在严重受挫(包括

经济低迷和地缘政治事件)之后大幅

回升1。

热点新闻(包括新冠病毒疫情的爆发，

以及英国脱欧、贸易战和中东局势紧

张等其他情况)虽然会影响短期市场

气氛，并导致资产估值损失，但长远

来看，股价最终应是基本面决定1。

因此，投资者应避免在波动时期恐

慌性抛售，以免错过任何潜在的市

场回升1。

金融市场于金融危机后逐渐回升

• 您会发现投资时间越长，负回报的可能性就越小1。

• 左侧的一年柱状图显示，该指数在1999年至2019年的任何一年期间的表现

介于-51%至79%之间。但是，在任何10年期间，该指数的投资表现都在-23%

至225%之间1。

• 因此，您投资的时间越长，获得正回报的可能性就越大1。

当市场动荡不安时，难免会有退市止

损的念头1。不过，如果只关注于短

期市场波动，您最终可能高买低卖1。

过往记录显示，金融市场虽会短期

波动，但长期仍是上行之势1。

尽管市场回升方式并非一成不变，但调

整期通常都是参与市场的关键时期1。

保持较长期的投资，往往会有更高的

回报潜力1。

此图表显示了MSCI 所有国家世界总

回报指数所代表的全球股票在1999年

至2019年不同时间范围内的表现。

全球股票在不同时间范围的表现

资料来源：Bloomberg，截至2018年1月31日，按1年、3年、5年及10年的美元滚动回报计算。所用指数：MSCI

所有国家世界总回报指数。

1

2

沉稳坚守

短期波动是投资过程中不可或缺

的一部分。

持续投资

长期投资可增加回报机会。

1996年至2005年将一万美元投资于股票的回报

2000年

互联网泡沫

$20,727

$17,182

2008年

金融危机

2006年至2015年将一万美元投资于股票的回报

1996 1997 1998 1999 2000 2001 2002 20052003 2004 2006 2007 2008 2009 2010 2011 2012 20152013 2014

250%

200%

150%

100%

50%

0%

-50%

-100%

-51% -45%-25% -23%

79%107%

178%225%

1年 3年 5年 10年

资料来源：彭博社，截至2020年1月31日，使用的指数：MSCI世界总回报指数。


简单来说，分散投资就是“不要把所有

的鸡蛋都放在同一个篮子里”1。由于其

特性和相关性(关系同时以相似或相反

的方式表现)，不同的资产类别往往在

不同市场情况下表现各异1。

将特性不同的资产纳入投资，就可综合

不同投资的风险与表现，从而降低投资

组合的整体风险1。这意味着，当一种

资产回报较低时，可因另一种资产的较

高回报而得到弥补1。资料来源：Morningstar、HSBC Global Asset Management，数据截至2018年1月31日。所有回报为美元计，

总回报。所用指数：MSCI世界指数；MSCI新兴市场股票指数；JPMorgan GBI-EM全球多元化指数；Bloomberg

Barclays 全球综合企业债券指数；ICE Bank of America Merrill Lynch新兴市场债券指数；ICE Bank of America

Merrill Lynch全球高收益债券指数、Citi World政府债券指数、FTSE EPPRA/NAREIT上市房地产指数、ICE LIBOR

三个月伦敦银行同业拆息。

各资产类别在不同时间的表现

经济危机期间全球股票价格较低

资料来源：Bloomberg, MSCI所有国家世界每日总回报指数，数据截至2020年1月31日。

市场下跌可能会创造机会

• 市净率(P/B)时用于比较股票市值与账面值(公司资产减去负债)的比率1。

由股票的当前收市价除以每股账面值算出。1市净率较低意味着股票价值

被低估1。

• 此图表显示，经济危机期间的大量抛售会导致估值下降，从而提供购股机会1。

• 有时，因为每个人都持有负面看法，所以公司估值在这些期间处于最低点1。

• 当市场气氛处于最低点(当全部都是负面消息)，可能会出现机会1。比如

在2008年11月至2009年3月之间，估值在此期间达到了最低点(1.28x)1。

随后，则是很长一段时间的正回报。

3 保持分散投资

分散投资有助于平稳应对波动。

不要因为市场下跌而感到悲观，也不要

一味地跟风1。市场气氛低迷时，估值

往往会被压低，从而带来投资机会1。

在牛市中，人们倾向于作出投资，因害

怕错过获取回报的机会1；在熊市中，

人们则倾向于抛售。当投资者对市场

状况反应过度时，他们可能会错过表

现最佳的那几天1。

尽管市场走势不可预测，但当所有人

都严重悲观时，往往却是投资的最佳

时机1。

4 善用优势

市场低迷可能会创造机会。

市净率

平均值P/B 2.2x

P/B 2.4x

2015年中国经济增长忧虑

2011年欧洲主权债务危机

2008年金融危机2003年

非典疫情

2001年互联网泡沫

1998年亚洲金融危机

43.53

2.52

1.51

0.50

2月1995年

1月1996年

12月1996年

11月1997年

10月1998年

9月1998年

8月2000年

7月2001年

6月2002年

5月2003年

4月2004年

3月2005年

2月2006年

1月2007年

12月2007年

11月2008年

10月2009年

9月2010年

8月2011年

7月2012年

6月2013年

5月2014年

4月2015年

3月2016年

2月2017年

1月2018年

12月2018年

11月2019年

年度表现

最佳资产

类别在某一年表现最佳的资产类别…

年率化回报20089.21 78.51 19.63 8.15 27.73 26.68 15.02 1.30 16.21 37.28 2.60 27.67 8.00 31.423.84-5.09-5.22-10.19-19.63-27.01-40.71-48.16-53.33

60.7037.1330.4629.9927.2421.9816.601.011.00

18.8815.6815.3912.5011.7611.647.243.360.34

5.494.793.180.27-1.14-1.75-5.54-6.46-18.42

20.9319.3819.2012.0611.9610.295.972.851.11

6.785.525.285.104.093.933.491.501.09

21.9118.4214.7814.5414.3113.4712.517.592.61

2.08-1.00-1.90-4.22-4.63-5.63-6.21-8.71-14.58

22.4015.2112.4710.3610.018.025.702.141.10

11.199.949.487.677.516.224.063.750.66

0.630.23-0.24-0.79-0.87-2.03-3.51-14.92-14.92

8.357.607.314.944.232.530.23-2.19-5.72

7.103.672.290.290.220.07-2.60-5.79-8.98

18.8918.3018.2216.7615.8314.6310.924.500.51

2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 年率化波动

…可能在另一年是表现最差的资产类别。年度表现

最差资产

类别

新兴市场股票

环球政府

新兴市场本币债券

现金

多元组合

环球企业债券

发达市场股票

环球高收益债券

新兴市场硬通货债券

房地产


HSBC Global Asset

Management针对市场波动的观点

世事日新月异，市场瞬息万变，

HSBC Global Asset Management

紧跟局势发展，以下是他们的主要

观点：

• 随着新冠病毒疫情在全球爆发，

全球风险资产被大幅抛售，市场

波动增加2。目前环境显示，全球

经济面临衰退如今是最可能出现

的情况2，主要问题是衰退的预期

持续时间及程度2。

• 作为回应，美国联储局将联邦基

金利率下调100个基点至0.25%，

并承诺会在未来几个月内购买最

少7,000亿美元的资产3。欧洲央

行和英国央行也采取类似举措，

因这场健康危机而推出了全面政

策宽松计划3。

• HSBC Global Asset Management

认为，在充斥众多不明朗因素及

市场环境动荡的情况下，适宜对

成熟市场股票采取较为中立的战

术性观点(1至3个月)2。然而，

由于风险资产的相对估值大幅

改善，在战略方面维持承险立场

(6个月以上)2。

• 投资者应谨慎行事，在选择风

险资产时要更加审慎4。HSBC

Global Asset Management认为，

鉴于美国、中国及多个新兴市场

有较大机会推出刺激经济政策，

因此应该对新兴市场及美国股票

配置较高比重，而对于政策限制

较大的欧元区及日本股票则配置

相对较低的比重4。新冠病毒疫

情爆发为欧元经济区带来重大

挑战，政策官员采取迅速行动

时亦面对若干限制，因此HSBC

Global Asset Management对欧'

元区持审慎态度5。

定期投资，意味着持续进行投资而不论

市况如何变化1。当您进行定期定额投

资时，会在价格较低时买入较多单位，

并在价格较高时买入较少单位1。这有

助于平稳您的投资过程中的波动，均衡

买入单位的平均价格1，从而降低在错

误时间(尤其是市场剧烈波动时)一次性

投资的风险1。

您投资的时间越长，潜在结果就越好，

因为这可为投资增长提供更多时间

(复利效应)1。

平均成本法有助平缓市场波动的影响

资料来源：2020年1月31日，HSBC Global Asset Management

5 定期投资，不受市场波动影响

长期保持投资。

此图表显示了每月投资1,000美元的结果。价格

较低时购入的股票较多，价格较高时购入的股票

较少1。这种方式有助于让您维持一个投资计划，

相比于投资总额相同的一次性投资，这样可以减

少短期市场波动对您的投资组合的影响1。

每股价格(美元)

每股价格平均值

1.30

1.20

1.10

1.00

0.90

0.80

0.70

0.60第一个月

美元

每股价格

每月定期投资

购入股份

累积股票价格

一个月

1.00

1,000

1,000

1,000

第第第第第第十第十第十第第第第

二个月

0.95

1,000

1,053

1,950

三个月

0.88

1,000

1,136

2,806

四个月

0.84

1,000

1,190

3,679

五个月

0.75

1,000

1,333

4,285

六个月

0.80

1,000

1,250

5,570

七个月

0.73

1,000

1,370

3,679

八个月

0.85

1,000

1,176

4,285

九个月

0.98

1,000

1,020

10,319

个月

1.05

1,000

952

12,056

一个月

1.16

1,000

862

14,319

二个月

1.09

1,000

917

14,455

总额

12,000

13,261

14,445

第二个月第三个月第四个月第七个月第九个月第十个月第十一个月第八个月第五个月第十二个月

0.90

1.000.95

0.88

0.84

0.80

0.85

0.98

1.05

1.16

1.09

0.75

0.73

第六个月

因此，先做个深呼吸，无需着急忧虑。如果您现在就做出正确的决定，不被恐

慌左右而是根据事实行事，那么前方势必会柳暗花明。马来西亚汇丰银行提供

多种多元化全球投资组合，以及亚洲管理的解决方案，可以构成您应对这个动

荡时期的投资策略的一部分。您的客户关系经理和我们的专家们随时为您提供

协助，让您作出明智的财务和投资决策，占尽市场先机。

HSBC托管解决方案

• 选择亚洲多资产投资组合，以适应3种不同的风险取向，同时取得股票市

场的增长潜力以及固定收益资产的收入。

• 在专注于亚洲的同时，该投资组合还对全球资产分配合理的敞口，以增强

投资组合的多元化收益，减轻非系统性风险。

HSBC多元化投资组合

多元化全球投资组合

• 提供广泛的多资产多元化的全球投资组合，以应对5种不同的风险取向。

资料来源：2019年12月31日，HSBC Global Asset Management。WS Lux的整体资产管理规模：32亿美元。


资料来源: 1 2020年2月14日，HSBC Global Wealth Insights，应对（持久）市场波动的5个建议。2 2020年3月16日，

HSBC Global Asset Management，投资事件：适应动荡的环境。3 2020年3月16日，HSBC Global Asset Management，

投资事件：联储局尽全力采取行动。4 2020年3月9日，HSBC Global Asset Management，投资事件：不明朗因素引

发市场波动。5 2020年3月12日，HSBC Global Asset Management，投资事件：欧洲央行专注增加流动性。

重要资讯

这项资讯由HSBC Global Asset

Management(Singapore)

Limited(“AMSG”)为您准备。

此资讯不构成购买证券或进行

任何此类交易的广告、要约、

邀请、承诺、建议或推荐。此资

讯和演示代表了相应发言人的观

点和判断。HSBC Bank Malaysia

Berhad/HSBC Amanah Malaysia

Berhad(“银行”)未参与此资讯

的准备过程。本行不认可也不对

此资讯的准确性或可靠性负责。

在任何情况下，本行均不对因依

赖于本文档或演示文稿中的任何

意见、建议或声明而造成的任

何损失或损害承担责任。投资者

应自行负责对本文内容进行独立

评估。除非您完全理解并愿意承

担与之相关的风险，否则请勿对

它们进行投资。

此资讯仅供投资者参考，不得分

发给任何可能使这种分发非法的

人或任何司法管辖区。您应参考

发售文件和/或相关文件以获取

更多详细资讯。您必须根据您

的投资经验、目标、财务资源和

情况，自行评估任何此类交易、

与之相关的风险和利益以及上

述所有事项。只有在外部顾问

的协助下，并考虑了任何此类交

易的特定风险后，您才应该进行

交易。过去的表现和未来的预测

并不表示其未来的表现。

#1 #2 #3

亚洲(日本除外)股票

日本股票

全球新兴市场债务本币

亚洲本币债券

香港政府债券

流动性

亚洲投资优质债券

亚洲高收益债券


日本股票


流动性

全球高收益债券

亚洲本币债券


日本股票

政府债券

亚洲本币债券


流动性


亚洲投资优质债券

100％

股权

潜在风险

潜在回报

在所有风险取向中，都有满

足您投资需求的解决方案。

100％

债券

如果要减少市场波动，请选择一个债券配置

更高的投资组合。

如果想购逢低买入，请考

虑一个股票配置更高的投

资组合。

组合1<5%

风险取向

组合25% - 8%风险取向


组合411% - 14%风险取向

组合5>14%

风险取向

全球股票

全球政府债券

全球企业债券


资产支持证券

新兴市场债务 - 硬通货

新兴市场债务 - 本币

房地产

流动性另类投资

组合1<5%

风险取向



组合411% - 14%风险取向

组合5>14%

风险取向

全球股票

全球政府债券

全球企业债券


资产支持证券

新兴市场债务 - 硬通货

新兴市场债务 - 本币

房地产

流动性另类投资

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汇丰银行马来西亚有限公司198401015221 (127776-V)。马来西亚存款保险机构成员。1适用于汇丰银行卓越理财或汇丰银行高级客户当地法规和汇丰银行

内部政策要求。2汇丰卓越理财客户享受零转账费。汇丰银行高级客户每次交易需支付7美元（借记外币帐户）或22令吉（借记令吉帐户）。每周7天、

每天24小时提供即时外币兑换转账成外币的服务。外币兑换成令吉则是从周一至周五，上午9时30分至下午3时。如果您在上述时间以外进行任何转账，

则实际借记的金额将基于下一个工作日的汇率。3接收国将进一步扩增。



汇丰银行致力于通过“We Can We Do”来帮助您实现财务目标。

财务知识点燃“We Can We Do” 的精神

如今，是我们重新大放异彩的时候了。2020年为我们迎来了全球

疫情的巨大考验，然而只要我们团结一心，勇往直前，必能克服

这一挑战。

推出“We Can We Do”，象征着我们致力于支持马来西亚人民实现

他们财务愿景的决心。“We Can We Do”是汇丰银行国际品牌哲学

“Together We Thrive”的本土诠释。马来西亚汇丰银行通过“We Can

We Do”，以赋予经济权能作为主要推动力，旨在本地社群中培养

“Can-Do”的精神，帮助马来西亚人民实现财务上的增长和自由。

如今尽管我们面临各种挑战，我们的本地使命依然是帮助马来西亚

人民实现未来的财务目标。我们希望借着“Can-Do”的精神，从小

就开始赋予马来西亚人民力量，超越自己的能力，逐步提升他们

的生活，实现他们梦寐以求的目标。我们深信这种“Can-Do”的

精神至关重要，因为它将形成一股动力，驱使马来西亚人民做得

更好，超越自我，追逐更幸福健康的生活。

艰难之路，唯勇者行。


根据《2018年马来西亚在职成年人的

财务行为和财务状况》(AFBES18)，

有三分之一的马来西亚人民对自己的

财务知识水平不甚满意。AFBES18也

指出，有53%的马来西亚受访者表示

他们在紧急情况发生时甚至难以筹集

1,000令吉。为了改善这一情况，马来

西亚汇丰银行率先开展使命，向本地

社会灌输财务知识，让马来西亚人民

能掌控自己的财务生活。

在汇丰银行，我们相信当我们能更

好地掌握财务知识，就可以将无数

的 “Can”变成“Do”。对个人财务和

商业财务知识的深刻理解，是培养

“Can-Do”精神的关键。

马来西亚汇丰银行首席执行长Stuart

Milne认为，如今人们在储蓄、投资

和借贷方面拥有做出明智财务选择的

能力这一点，比以往任何时候都更为

重要，特别是在当前的气候下。因为

我们今天所做出的决定，将对我们的

明天造成影响。

“作为一个了解财务知识对经济和社会

的影响的组织，我们强烈主张采取积极

主动的方式来解决财务知识的问题，

并且需要从年轻一代开始。培养精通财

务知识的未来领导人，并打破财务文

盲的恶性循环，是我们的集体责任。”

Milne表示。

我们希望让所有马来西亚人民都能接

触并学习财务知识，因为它是引导我

们前进和成功的关键推动力。

Stuart Milne

马来西亚汇丰银行

首席执行长

掌握财务知识，启动“We Can

We Do” 。

从小就开始赋予马来西亚人民力量…我们希望借着“Can-Do”的精神，


HSBC Bank Malaysia Berhad 198401015221（127776-V）。马来西亚存款保险机构会员。*受马来西亚存款保险机构的保障，每位存款人最高RM250,000。1促销期后，HSBC Everyday Global Account利率将恢复为当时适用的现行利率。利息将每天计算，并每月存入HSBC Everyday Global Account。适用于

“Save with HSBC Everyday Global Account”促销的修正条款和条件。促销期：2020年3月30日至2020年12月31日。2日元帐户已添加到您的HSBC Everyday

Global Account中。3资料来源：2019年全球外汇市场交易量，2019年12月8日。

Kon’nichiwa!

隆重宣布日元的到来！

在这充满不确定性的时刻，您的

储蓄多了另一种货币选择。

为您推介日元。

特别为您推介日元，HSBC Everyday Global

Account最新添加的可用货币2。如今您可以

扩展您的货币投资组合，以1个账户处11种

货币，灵活进行储蓄和交易，从容面对当前

市场的波动。

通过HSBC Everyday Global Account的马币账户*

享有高达年利率

1

日元通常被视为是一种安全的货币.

它是世界交易量位居第三的货币3。

上网购买日元

无论身在何处，您都可随时随地享用网上银行的便利，登录您的

Everyday Global Account来购买日元。

关于日元:

今天就开始储蓄和交易。

别再犹豫，立即上网！

在您的帐户之间转

移资金

进行外汇交易，

包括转账和付款

进行即时转账，

包括转账和支付

账单

支付水电费开设定期存款账户

集中管理所有帐户

全新Visa转账卡

10种主要货币加上马币，只需1个账户。

“We Can We Do”计划包括了圆桌会议

和金融大师课程，并由汇丰银行本身

的财务专家、行业领袖，以及来自于

知名财经刊物、精通财务的马来西亚

人民主持授课。这些圆桌会议将涵盖

针对个人、企业家和企业拥有者的财

务课题，旨在为参与者提供理财工具

和专门知识，以帮助他们更好地规划

未来的财务。

马来西亚汇丰银行认知从小培养财务

知识的重要性，并与非营利组织Teach

For Malaysia(TFM)合作，通过游戏的

方式设计一项财务赋权计划，以帮助

孩子们了解关键的财务概念。

通过推出一个包含5个模块的财务知

识工具包，该计划将模拟现实生活中

的情景，以指导孩子们制定诸如财务

目标、预算、储蓄、如何识别和应对

财务骗局，以及如何培养良好的消费

习惯。

汇丰银行也将推介一系列“Can-Do”

英雄，看他们如何将“Can”变成“Do”，

以此来激励和鼓舞马来西亚人民。

这些 “Can-Do”英雄来自各行各业，当中

有能力各异的企业家、羽球国手和年轻

的志愿者，他们的非凡故事是“We Can

We Do”精神的真实体现。

“在我们适应新常态之时，至关重

要的是我们的每一位员工都能体现

“Can-Do”的精神，并采取必要的行

动来帮助我们的客户重整旗鼓。”

Milne表示。

汇丰银行通过传授财务智慧与提供财

务解决方案，承诺将与马来西亚人民

并肩同行，达致财务自由的目标，实现

他们的梦想。

若想进一步了解“We Can We Do”，

欢迎浏览马来西亚汇丰银行脸书页：

https://www.facebook.com/

HSBCMalaysia。

…通过游戏的方式设计一项财

务赋权计划，以帮助孩子

们了解关键的财务概念。

HSBC Bank Malaysia Berhad 198401015221（127776-V）。马来西亚存款保险机构会员。*受马来西亚存款保险机构的保障，每位存款人最高RM250,000。1促销期后，HSBC Everyday Global Account利率将恢复为当时适用的现行利率。利息将每天计算，并每月存入HSBC Everyday Global Account。适用于

“Save with HSBC Everyday Global Account”促销的修正条款和条件。促销期：2020年3月30日至2020年12月31日。2日元帐户已添加到您的HSBC Everyday

Global Account中。3资料来源：2019年全球外汇市场交易量，2019年12月8日。

Kon’nichiwa!

隆重宣布日元的到来！

在这充满不确定性的时刻，您的

储蓄多了另一种货币选择。

为您推介日元。

特别为您推介日元，HSBC Everyday Global

Account最新添加的可用货币2。如今您可以

扩展您的货币投资组合，以1个账户处11种

货币，灵活进行储蓄和交易，从容面对当前

市场的波动。

通过HSBC Everyday Global Account的马币账户*

享有高达年利率

1

日元通常被视为是一种安全的货币.

它是世界交易量位居第三的货币3。

上网购买日元

无论身在何处，您都可随时随地享用网上银行的便利，登录您的

Everyday Global Account来购买日元。

关于日元:

今天就开始储蓄和交易。

别再犹豫，立即上网！

在您的帐户之间转

移资金

进行外汇交易，

包括转账和付款

进行即时转账，

包括转账和支付

账单

支付水电费开设定期存款账户

集中管理所有帐户

全新Visa转账卡

10种主要货币加上马币，只需1个账户。


https://www.bis.org/statistics/rpfx19_fx_annex.pdf



您在网上会购买什么样的商品呢？

看起来旅行是最热门的选项，共有

39％的马来西亚人在网上花钱安排他们

的假期，其次是消费电子产品(17.3％)，

接着是家具和家居用品(13％)1。而且，

我们除了在本地的网店消费，同时也喜

欢在海外网站消费1。在本地，我们热爱

的网上购物网站包括Lazada、11street

和Shopee，而我们在海外购物的前三个

国家分别是中国、新加坡和日本1。

我们当中许多人之所以会选择在网上购物

而不是亲自购物，绝对是有充分理由的。

网上购物快速、实惠，而且非常方便。

最近的健康危机导致我们有更多的时间

待在家里，这可能也使我们更多人开始

体会到网上购物的方便。不过，在踏入

互联网市场之前，您应该先了解一些有关

网上购物的建议。一个精明的网上购物者

能省下许多时间和金钱，但关键是千万不

要坠入欺诈的陷阱，也不要让自己买到不

合身的衣服。

以下这些建议可帮助您善用网上购物：

COUPONCODE


不要急，慢慢来

如果您找到真正想要的东西，请将其添

加到购物篮中，静置几天2。零售商会

追踪购物者的活动，因此他们很多人会

向您发送电子邮件，或甚至会给您打折

代码，以鼓励您购买2。您会发现等待是

值得的2。

此外，价格和折扣全年都在浮动3。根据

Lifehacker网站，您更有可能在11月和1月，

以及星期二和星期四找到最多的折扣3。

3月是最不可能找到折扣的月份，因此

如果您正在考虑进行大量的网上购物，

你可能要避开这个月份3。

如果您曾经在网上购物，请举手。

每两个马来西亚人之中，有一个曾

经在网上购物，包括您在内1。

当一个精明的网上购物者

而且，这一切才似乎才刚刚开始 —马来西亚电

子商务市场预计将以24%的复合年增长率增长

至2021年1。


优惠券代码和优惠券是您最好的朋友

使用优惠券代码和优惠券可以使网上

购物真正的便宜2。想象一下，仅通过

注册网站就可以从购买的商品中获得

20％的折扣2。您可以通过一些小技巧，

让通常已经便宜的网上购物变得更加

便宜，使您更加享受购物过程2。在零

售商拼命争取客户的情况下，您通常

可以充分利用现金回扣网站、优惠券

代码和价格比较2。从网上商店购买任

何商品之前，您甚至可以快速谷歌搜

索该公司的名称，看是否有提供任何

折扣或优惠券3。您很有可能会找到适

合的优惠券或优惠券代码，用于您购

买的商品中3。

阅读评论

在网上购物时，产品评论真的是令人

难以置信地有用，尤其是当您购买不

熟悉的产品或品牌时3。评论可以告诉

您产品是跟照片一样，或是否经得起

时间考验3。尤其是衣服，评论可以给

您提供在合身性方面很有用的资讯3。

注意评论的模式，如果一再有评论者

表示衬衫尺寸太小，或是网上看起来

是蓝色的椅子实际上是灰色的，那您最

好相信他们3。

但是，切记在阅读评论时要有所保留3。

在大多数情况下，客户评论确实有

帮助，但有时它们也可能是虚假的3。

您可以对网上评论保持合理的怀疑，

并注意那些极度热情或是过于具体

的假评论3。如果一件产品有很多的

评论，并且全部都是正面的，那也同

样值得怀疑3。

验证网站安全性

现今，大多数网上的

购物网站都提供安全

购物4。但是，如果他

们不这样做，潜伏的罪犯可以盗

取您在这些网站上的表给内输入

的所有资讯，包括您的个人和信用

卡资料4。请选择在安全的网站上

购物，您可以通过URL来确定网站

是否安全4，安全的网址以https://而

不是http://开头。此外，安全网站

的URL左侧还有一个小锁图标4。

不要在共享上网设备

上或在公共场所购物

如果要在网上购物，

请选择在家里使用电

脑或智能手机4。在家里，您知道谁

可以使用您的设备4。如果您使用共

享电脑或公用网络购物，比如在图

书馆、咖啡馆或工作场所，那您将

无法控制其他有可能也在使用该设

备或网络的人4。您也无法控制什么

样的间谍软件或恶意软件可能会入

侵该电脑4。因此，在家中购物更为

安全，因为您知道您的设备和网络

都安 4。

设置强大安全的密码

根据PCMag在澳洲进

行的一项调查，有35%

的人从未更改过他们的

密码。如果您跟他们一样，请确保

您使用的是一个无法破解的密码。

在使用网上银行和在网上购物时，

这一点尤其重要。不过，有时即

使您的完美密码也可能并非那么完

美无缺。更明智的做法，是使用密

码管理器为您设置几乎无法破解的

密码。该软件还可以追踪您并输入

您的密码入，因此您不必担心要记

住您所有的密码。

定期检查账单

使用网上银行，您无需等

到月底即可查看对帐单5。

打个比方，您可以登录

汇丰银行的网上银行或手机银行

应用程序，上网查看您的信用卡、

借记卡和银行帐户帐单5。检查是

否有任何欺诈性收费，甚至是来自

PayPal之类的付款网站5。一旦发现

有问题，请立即致电银行以迅速解

决此问题5。

COUPONCODE


COUPONCODE


网上购物时保持安全

在网上购物时，请务必运用一般常理并遵循一些实用的建议，以确保自

己的安全。


网上购物的最佳好处之一，是可以

从世界各地购买您要的商品。连结

HSBC Everyday Global Account 的

HSBC Everyday Global Visa Debit

Card，非常适合您用来网上购物：

• 通过我们新增支持的货币(日元

和沙地里亚尔)，您现在只需一张

Debit卡，就可以轻松地以11种不

同的货币在网上购物和交易。

• 其他支持的货币包括：美元、

加拿大元、英镑、港元、澳元、

纽西兰元、新币、欧元和马来西

亚令吉。

• 当您在网上购物中使用银行所

支持的货币时，无需支付货币转

换费7。

• 借记卡发卡和年费全免，让你节

省更多。

• 通过一次性密码(OTP)身份验证，

让您在使用Debit卡进行网上购

物或手机购物时受到保障。为了

让您安心，我们还会发送有关您

的购买交易的交易通知短讯。

HSBC EVERYDAY GLOBAL VISA DEBIT CARD您的最佳网上购物伙伴

谨防电子报和电子邮件列表注册

通常当您在浏览购物网站时，会弹出

一个窗口，要求您注册网站的电子版，

以换取优惠券或折扣条码3。或者在许

多情况下，您在网上商店购买商品时

会自动被注册接收电子邮件3。虽然利

用优惠券可能是省钱的好方法，但最

终收到的电子邮件可能弊大于利3。

因为不断接收这些电子邮件，促使我

们去查看新产品和大倾销，并且凭空创

造出原本没有的需求和欲望3。对于缺

乏自我控制能力的人而言，这可能导致

更多不必要的支出3。取消订阅电子邮

件是减少您网上购物欲望的好方法3。

避免假冒和欺诈

在网上购物时，您要谨记这一句口

头禅：“如果它看起来好得太不真实，

它或许就是假的3。”即使在诸如Amazon

之类的知名网站上，仿冒品也很比比

皆是。您可能很难在网上辨认出假货，

但是根据一般常理来衡量会有所帮助3。

直接从品牌的网上商店而不是第三方

购买产品，并且要对低得出奇的价格保

持怀疑的态度3。一旦感觉“不对劲”，

那就到别处购买吧3。

现在您已经掌握资讯，了解如何成为

一个精明的网上购物者了，祝您购物

愉快！

如何使用这张卡？

1. 您可以在本地使用该卡进行马币

交易，也可以使用外币在海外和

网上购物。

2. 如果您喜欢上网购物，比如日本

的网站，那您可以开始通过您的

Everyday Global Account节省更

多日元。

3. 当您在该网站购物，比如消费了

10,000日元，那我们将从您连结

的HSBC Everyday Global Account

中扣除10,000日元，不收取任何

隐藏费用。

4. 如果您的账户中没有足够的外币

(在本例中为日元)，我们将进行

换算，以令吉收取费用，并不收

取任何外汇管理费用。

欲了解更多有关HSBC Everyday

Global Account的资讯，请与您

的客户关系经理联系或浏览

www.hsbc.com.my/ega2

COUPONCODE


COUPONCODE


资料来源: 1 2019年，J.P. Morgan，马来西亚的电子商务支付趋势。2 2017年3月22日，The Telegraph，如何成为一名网上购物专家。3 2017年3月21日，Bustle.com，

您需要知道的关于网上购物的11件事，让您买得物超所值。 4 2019年11月23日，The Balance，网上购物时如何保护您的个人身份。 5 2018年11月13日，PCMag Australia，

确保网上购物安全的14个建议。 6 每位存款人可受到马来西亚存款保险机构(PIDM)25万令吉的保障。7 仅适用于使用Visa Debit卡，并以9种可用货币进行的成功零售购买、

网上购物和现金提取。对于所支持的货币：如果您没有足够的外币来完成交易，我们将按照银行确定的现行汇率进行换算，并以令吉向您收费。对于不支持的货币：整个

交易金额应按照Visa International确定的现行汇率进行转换，并以令吉向您收费，但通过HSBC GROUP ATMs(GATS)提取的现金将自动转换为令吉，并以银行确定的现行

汇率为准。

仍未是HSBC Online和手机银行用户？

HSBC Malaysia应用程序，让您随时随地轻松交易。

一次点击即可完成您的银行业务

立即下载

HSBC Malaysia应用程序！立即注册

https://www.hsbc.com.my/ways-to-bank/online-banking/register/


*PrepWorks条款与条件适用。仅限于马来西亚国内的HSBC Premier Travel Credit Card、

HSBC Premier World Mastercard Credit Card和HSBC Premier Visa Debit Card客户，

请提前预约，先到先得。有效期至2020年12月31日。欲知更多详情，请浏览

www.hsbc.com.my/prepworks。

汇丰卓越理财客户专享

15%折扣* 所有PrepWorks的课程和配套。

当您在www.reebonz.com/my(电脑/手机)和

Reebonz应用程序上消费至少RM1,600，并申请

0%HSBC/HSBC Amanah Card/-i分期付款计

划时，即可享有RM200的折扣*。

有效期至2021年5月31日

通过任何平台在Hermo

以单张收据消费至少RM200，

即可享有RM20的折扣*。


通过PrepWorks申请英国和美国的大专院校

通过PrepWorks，让您的孩子开启前往世界顶尖学校的旅程。

PrepWorks是一家教育公司，致力于为学生们提供指导，让他们

做好准备并顺利考进全球顶尖的寄宿学校和大学。

最新活动：

1. LNAT法律应用工作坊：8月15日至16日

2. PrepWorks网上小学

3. 指导研究与导师计划

有兴趣报名者，请电邮至[email protected]，或WhatsApp/拨电至

+6 019 409 4037

独家优惠，只限汇丰银行信用卡持有者

欲获知更多SmartPrivileges优惠，请浏览www.hsbc.com.my/sp

*需符合各别商家的条款和条件。

需符合HSBC SmartPrivileges的条款和条件。

欲参考完整的条款和条件，请浏览www.hsbc.com.my/sp

在Signature Market以特价RM69

(原价RM184)享有套装促销，网址为http://bit.ly/3bEPLKK。


在Kinohimitsu电子商店以单张收据消费

至少RM80，即可享有RM20折扣*，

网址为https://my.kinohimitsu.com/


基金资产类别1个月

(01.04.20至30.04.20)

%

3个月(01.02.20至30.04.20)

%

6个月(01.11.19至30.04.20)

%

1年(01.05.19至30.04.20)

%

3年(01.05.17至30.04.20)

年化 %

Affin Hwang Select Bond (MYR) 2.71 -2.21 -0.24 4.45 3.84

Affin Hwang Aiiman Growth 5.42 -12.27 -11.78 -12.45 -4.78

RHB Asian Total Return 2.73 -1.77 -2.58 0.83 -0.02

Eastspring Investments Dana al-Ilham 6.35 -10.27 -11.48 -11.83 -2.55

RHB Asia High Income Bond (MYR-Hedged Class) 1.13 -6.43 -4.53 0.05 n/A

Eastspring Investments Equity Income 4.51 -10.78 -11.66 -13.29 -2.66

Eastspring Investments Growth 7.49 -7.77 -7.38 -9.90 -6.02

Affin Hwang Aiiman Income Plus 3.64 1.10 3.43 7.60 5.89

CIMB-Principal Bond 2.88 0.97 3.09 7.84 5.95

Principal Islamic Lifetime Sukuk 2.31 0.79 2.99 8.00 6.00

Manulife Investment Asia-Pacific REIT 4.64 -16.91 -17.62 -13.47 1.53

Manulife Shariah Global REIT (MYR) 9.69 -9.87 -11.03 -3.93 n/A

亚洲固定收益

马来西亚资产股

马来西亚固定收益

房地产资产股

Advantage Global Equity Volatility Focused Fund 9.02 -18.43 -12.44 -10.29 -0.01(MYR-Hedged Class)

United Global Durable Equity (MYR-Hedged) 7.54 -14.27 -10.36 -4.01 4.94

Advantage Global High Income Bond 5.29 -8.70 -7.02 -2.31 n/A(MYR-Hedged)

Affin Hwang Select Asia ex Japan Opportunity 8.31 -1.83 5.19 1.97 3.77

Principal Asia Pacific Dynamic Income (MYR) 6.96 -12.69 -9.51 -8.45 1.80

Affin Hwang Aiiman Asia (ex Japan) Growth 7.76 -1.29 5.70 3.36 4.45

Advantage Asia Pacific ex Japan Dividend 6.66 -10.96 -8.08 -7.38 -0.06

Principal Islamic Asia Pacific Dynamic Equity 7.91 -5.42 -0.04 0.12 2.43

环球资产股

环球固定收益

亚太 (日本除外)资产股

请向本行理财客户经理咨询，以获取更多有关上述基金的详情。

为您提供投资组合配置服务，帮助您在资产类型的级别上通过资产组合参考来构建您的信托基金投资组合。汇丰银行根据您的风险取向、需求、投资偏好、知识和经验，给您建议

资产组合参考。所有提供的信息仅供参考，建议您在使用投资组合配置服务时也要考虑自身的情况。数据摘自Morningstar Asia Limited，以截至2020年2月5日为准。

汇丰银行为投资组合配置服务的基金精选

短期基金表现

资产组合参考

风险取向 - 平衡型风险取向 - 进取型风险取向 - 投机型

8%

8%

5% 11%

18%

26%24%

5%

5%

5% 14%

22%

34%

15%

3%

3%

5% 16%

26%38%

9%

图例

环球资产股

亚太(日本除外)资产股

马来西资产股

环球固定收益

亚洲固定收益

马来西亚固定收益

房地产资产股

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