KissKids Education Fund
The Key to Success - Provide the Best Education for your Child
 
In today's competitive world, a quality education for your child is essential to their prosperous future. Therefore, you'd better start saving for your child's tuition now.
 
No need to Time the Market ups and downs
   
 

With Dah Sing "KissKids Education Fund" savings plan, you can regularly contribute a fixed amount into the market and benefit from the "Dollar-Cost Averaging" effect. When the market goes down and the fund price is low, you can buy more units; on the contrary, you will buy fewer when the price is high. In the long run, you may benefit from a lower average cost of the same number of units.

Example of "Dollar-Cost Averaging" effect

Month
Monthly
Contribution Amount
Monthly
Investment Amount
Total Return
1
HK$1,500
HK$29
51.72
2
HK$1,500
HK$23
65.22
3
HK$1,500
HK$32
46.88
4
HK$1,500
HK$26
57.69
5
HK$1,500
HK$33
45.45
6
HK$1,500
HK$31
48.39
 
Total Amount
HK$9,000
Average Price in 6 months
HK$29
Total no. of Unit
315.35

The above information is for illustration purpose only. Through "Dollar-Cost Averaging" effect, the average unit cost is only:
HK$9,000 / 315.35 Units = HK$28.54, which is relatively lower than the average market price in the past 6 months at HK$29.

In other words, if you invest the same amount in the same fund at average unit price of HK$29, you can only get 310.34 units (HK$9,000 / HK$29). Therefore, you don't need to time the market and you can reduce your cost and maximize your return by "Dollar- Cost Averaging effect" through the Dah Sing "KidsKiss Education Fund".
 
Planning Ahead for your Child
 
Say you plan to arrange your child taking university study in the United States after 18 years. Assuming the inflation is 5% per year, it is estimated that the total expense will be HK$2,600,000 including tuition and living expense.

Assumption: The average return of a fund is 10% per year.

Start Plan
Stage / Age
Years Until University
Monthly
Investment Amount
Total Return
Newborn
18
HK$4,330
HK$2,600,000
Kindergarten / 3
15
HK$6,274
HK$2,600,000
Primary School / 6
12
HK$9,406
HK$2,600,000
Secondary School / 12
6
HK$26,501
HK$2,600,000

The above information is for illustration purpose only.

Through Dah Sing "KissKids Education Fund", you can achieve your target for your child's future education and reap a better return on your investment over time by contributing a fixed amount regularly. As illustrated in the above example, the earlier you start for your child, the lower the monthly contribution amount you need. You may require a higher monthly contribution if you delay your plan.
 
Low Investment AmountThe Best Gift for your Child
 
The best gift for your child is simply start the "KissKids Education Fund", with an initial subscription of HK$3,000 and a minimum monthly contribution of HK$1,500 only.
 
Design your Education Fund from a Variety of Fund Choices
 
With hundreds of fund choices, you can design your own portfolio according to your investment needs and objectives.
 
Convenient Payment Options
 
Payment can be simply settled by auto-pay or through Dah Sing Credit Card. If you pay by credit card, you can enjoy can interest-free repayment period of up to 56 days.
 
Flexible Investment Plan
   
 

There is no minimum investment period so you can amend contribution amount, switch fund selection according to your child's education needs with no handling fee.

Details of Dah Sing "KissKids Education Fund":

Min. Initial Investment
HK$3,000
Min. Monthly Contribution
HK$1,500
Min. Investment Period
No
Change of Contribution Amount
Free of Charge
Change of Fund Choice
Free of Charge
Direct Debit Date
5th of each month
Investment Date
5 business after direct debit
 
Act Now - For Your Child's Brighter Future
Plan ahead for your child's future and start saving early by opening account at any of Dah Sing branches now.
 
For more information, please call 2828 8000
 
Investments involve risk, price of investment funds can go up as well as down. Customers are required to read thoroughly the related prospectus before making decision. This leaflet is for reference purpose only, which constitute neither invitation nor solicitation to buy or sell any fund.