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Investment Guide

AM0166/1510

Publication Date: October 2015Issuer: Ageas Insurance Company (Asia) Limited

AM0166/1510

This Investment Guide is applicable to the following investment-linked assurance schemes issued by Ageas Insurance Company (Asia) Limited:

1. Cheers Plus, Legend and Oscar (such schemes are currently available for insurance policy applications).2. Cheers Investment Life Insurance Plan, Columbus, “Wealth Accumulator” Plus, Wealth Partner and “Wealth Smart” Premier (such schemes are no longer available for insurance policy applications).

Ageas Insurance Company (Asia) LimitedA Company incorporated in Bermuda with limited liabilities

Registered Address:Canon’s Court, 22 Victoria Street, Hamilton HM12, Bermuda.

Hong Kong Address:27/F, Wing On Centre, 111 Connaught Road Central, Hong Kong

Website: www.ageas.com.hk

Contents

Investment Choices -4

Equity Page 5-19 Global North America Europe Asia Pacific Greater China Japan Asia Pacific Single Market Emerging Market Sector/Theme

Fixed Income Page 20-23 Global US Asia Pacific Emerging Market

Mixed Asset Page 23-24 Asia Pacific Global Emerging Market

Money Market Page 24 USD

1

Important Notes:1. The investment-linked assurance scheme (the “Scheme”) is an insurance policy issued by Ageas

Insurance Company (Asia) Limited (“Ageas”) with benefits linked to the performance of investment choices selected by you. Your investments are subject to the credit risk of Ageas.

2. All premiums you pay towards the Scheme, and any investments made by Ageas in the underlying funds you selected, will become and remain part of the assets of Ageas. You do not have any rights or ownership over any of those assets. Your recourse is against Ageas only.

3. Your return on investments is calculated by Ageas with reference to the performance of the underlying funds as referred to in the Principal Brochure which correspond to the investment choices selected by you. The return of investments under the Scheme shall be subject to the charges of the Scheme and may be lower than the return of the corresponding SFC authorized fund.

4. The investment choices available under the Scheme can have very different features and risk profiles. Some may be of high risk. Please read the Principal Brochure and the offering documents of the underlying funds involved, which will be made available upon request or can be downloaded at our website: www.ageas.com.hk.

5. The Scheme is designed to be held for a long term period. Early surrender or withdrawal of the policy, suspension of or reduction in premium (if applicable) may result in a significant loss of principal and / or bonuses awarded. Poor performance of underlying funds may further magnify your investment losses, while all charges are still deductible.

6. With no premium contribution during the period of contribution interruption/ premium holiday (if applicable), the value of the Scheme may be significantly reduced due to fees and charges, and additional premium for optional rider(s) (if any), which are still deductible during the period of contribution interruption/ premium holiday, and your entitlement to bonuses may also be affected.

7. Investment involves risk. You should not purchase the Scheme unless you understand it and it has been explained to you how it is suitable for you. The final decision is yours.

This Investment Guide aims to provide you with information about the investment choices that are available to you under the Scheme. The Scheme is classified as “Class C - linked long term business” plan under the Insurance Companies Ordinance (“ICO”). It is offered by Ageas, an insurance company authorised under the ICO in Hong Kong.The Principal Brochure consists of this Investment Guide and the Product Guide. Please read the Investment Guide in conjunction with the Product Guide, Illustration Document and the Product Key Facts Statement before you apply for the Scheme. For details of the underlying funds, please refer to the relevant offering documents.For more details about the Scheme and to obtain the relevant documents including offering documents, notices, announcements, financial reports and other documents of the underlying funds, please visit our website at www.ageas.com.hk. Should you require further information or service, please do not hesitate to contact your consultant or our customer service hotline at 2866 8898.The offering document does not constitute as part of your contract. Please refer to the policy document for the terms and conditions.

2

Investment Choices

The investment choices are offered by Ageas under the Scheme. The investment choices are respectively linked to underlying funds. Ageas will be investing the net premium received from you into the underlying funds corresponding to the investment choices selected by you for Ageas’s asset liability management.

However, you are not investing in the underlying funds of the investment choices. You do not have any rights or ownership over those underlying investments. The allocations of the units of investment choices to your policy are notional and are solely for the purpose of determining the account value of your policy.

General RiskYou should note that the investment returns provided will be subject to various risk factors, including, without limitation, normal market and currency risks. Some or all of the risk factors may adversely affect the investment choices’ performance and their ability to achieve their investment objectives. There is no assurance that the investment choices will achieve their respective investment objectives. You should carefully consider the risk factors relating to investment in an investment choice in light of your own financial circumstances, knowledge, experience and other personal circumstances, and should seek independent professional advice if necessary.

Please refer to the offering documents of the relevant underlying funds for details of their investment objectives and risk factors.

1. Investment involves risks, and the value of your investments may go up as well as down. Investment returns are not guaranteed. Past performance is not indicative of future performance. Each investment choice is subject to market and interest rate fluctuations and to the risks inherent in all investments. Some investment choices offered under the Scheme may involve assets denominated in foreign currencies, and this may entail additional risks as the result of exchange rate fluctuations.

2. The return you will receive on an investment in fixed income instruments will depend on (i) interest rate returns and foreign currency exchange rates, both of which may fluctuate; and (ii) the credit standing of the issuers which cannot be guaranteed.

3. Transactions in derivatives may be used to meet its investment objectives. The use of such instruments, as well as techniques, may increase the volatility of an underlying fund’s net asset value. Its degree of risk may therefore be greater than in the case with conventional securities.

4. The prospects for economic growth in a number of smaller and emerging markets may be considerable, and these markets may have the potential to provide greater returns on equity than mature markets. However, there are risks from political, economic, and market factors in smaller and emerging markets which may result in significant risks involved in investing in them, and may expose the underlying funds investing in these markets to significant losses.

5. Investment that focuses on certain industries can be significantly affected by events relating to those industries, such as international political and economic developments, taxation and government regulations. It is important to understand that underlying funds that are thematic or sectoral in nature may be more volatile than underlying funds that are diversified.

6. Higher yield investment generally incurs a greater degree of risk than lower yield investment, such as, but not limited to, credit risks, normal market and currency risks.

7. The Scheme is not suitable for all investors. You should understand the details of the Scheme and consider your investment objectives and other personal circumstances before you invest in it.

8. Certain investment choices are linked to underlying funds that may make dividend payments out of the underlying fund’s income and / or capital. The payment of distributions out of capital represents a return or withdrawal of part of the amount investors originally　invested and / or capital gains attributable to the original investment. Any distributions involving payment of distributions out of　the underlying fund’s capital may result in an immediate decrease in the net asset value per share and may reduce the capital　available for the underlying fund for future investment and capital growth.

3

4

Valuation of Investment Choices

Your premium allocated to an investment choice or the proceeds that have been switched into an investment choice according to your instruction will be used to allocate notional units to the investment choice as soon as practicable on a valuation date after we have received your premium or those proceeds from the switching transaction(s).

The number of notional units of investment choices allocated will be the relevant amount of premium or proceeds from a switch divided by the offer price of the units allocated as at the valuation date.

The bid price and offer price of a unit of each investment choice on a valuation date will be the same as the quoted bid price and offer price respectively of the unit or share of that underlying fund on that valuation date and in the currency of that underlying fund.

A valuation date of an investment choice is the same as the valuation date of its respective underlying fund which is determined by the relevant manager of the underlying fund.

Underlying fund units are currently bought and sold on every working day, and on a forward-pricing basis.

For further details about the underlying funds and the manager of the underlying funds (including details of fees and charges, investment restrictions and borrowing power, dividends, valuations, unit price calculations and other features), please refer to the relevant offering documents of the underlying funds, which are made available by Ageas.

Exceptional Circumstances

Ageas reserves the right to delay carrying out the valuation and the processing of requests to allocate, cancel or switch notional units of investment choices caused by exceptional circumstances beyond Ageas’s control. The exceptional circumstances include, without limitation, the closure of or suspension of dealings on a major stock exchange, unexpected government intervention in foreign exchange, and suspension of valuation of, or dealing in any underlying investments of an investment choice. No interest shall be paid by Ageas in respect of any delays in payments due to such exceptional circumstances.

5

Code of Investment Choice

Name of Investment Choice

Name of corresponding Underlying Fund

Name of Management Company of Underlying Fund

Share Class of Underlying Fund

Currency of Investment Choice

Currency of Underlying Fund

F130 BlackRock Global Funds - Global Allocation Fund (A2 Shares)

BlackRock Global Funds - Global Allocation Fund

BlackRock (Luxembourg) S.A.

Class A2 USD USD

F132 BlackRock Global Funds - World Agriculture Fund (A2 Shares)

BlackRock Global Funds - World Agriculture Fund


Class A2 USD USD

F174 Fidelity Funds - Global Dividend Fund (A-Acc-USD)

Fidelity Funds - Global Dividend Fund

FIL Investment Management (Luxembourg) S.A.

Class A-Acc USD USD

F133 Fidelity Funds - Global Real Asset Securities Fund ("A-Acc-USD" Shares)

Fidelity Funds - Global Real Asset Securities Fund


Class A-Acc USD USD

FIINFA Fidelity Funds - International Fund (“A” Shares)

Fidelity Funds - International Fund


Class A USD USD

F78 Investec GSF Global Strategic Equity Fund (A-Acc Shares)

Investec Global Strategy Fund - Global Strategic Equity

Investec Asset Management Luxembourg S.A.

A-Acc Shares USD USD

List of investment choices made available under Cheers Plus , Legend, Oscar, Cheers Investment Life Insurance Plan, Columbus, “Wealth Accumulator” Plus, Wealth Partner and “Wealth Smart” Premier.

You should read the offering documents (including the product key facts statements) of underlying funds, which are made available from Ageas upon request for details of the underlying funds (including, without limitation, their investment objectives and policies, risk factors and charges).

Equity – Global

6








F159 Aberdeen Global - North American Equity Fund (A2-Acc Shares)

Aberdeen Global - North American Equity Fund

Aberdeen Global Services S.A.

Class A2-Acc USD USD

F199 Aberdeen Global - North American Smaller Companies Fund (A2-Acc Shares)

Aberdeen Global – North American Smaller Companies Fund


A2-Acc Shares

USD USD

FIAMFA Fidelity Funds - America Fund (“A” Shares”)

Fidelity Funds - America Fund


Class A USD USD

F194 PARVEST Equity USA Mid Cap (Classic USD -Capitalisation Shares)

PARVEST Equity USA Mid Cap

BNP Paribas Investment Partners Luxembourg

Classic USD - Capitalisation

USD USD

F190 Allianz Global Investors Fund - Allianz European Equity Dividend (AT-Acc)

Allianz Global Investors Fund - Allianz European Equity Dividend

Allianz Global Investors GmbH

Class AT Acc EUR EUR

F196 Baring Europe Select Trust (Class A USD Acc)

Baring Europe Select Trust

Baring Fund Managers Limited

Class A Acc USD USD

F156 Baring German Growth Trust (Acc Class)

Baring German Growth Trust

Baring Fund Managers Limited

Class Acc GBP GBP

Equity - North America

Equity - Europe

7








FIBLUA Fidelity Funds - Euro Blue Chip Fund (“A” Shares)

Fidelity Funds - Euro Blue Chip Fund


Class A EUR EUR

FIEGFA Fidelity Funds - European Growth Fund (“A” Shares)

Fidelity Funds - European Growth Fund


Class A EUR EUR

F94 Aberdeen Global - Asia Pacific Equity Fund (A2-Acc Shares)

Aberdeen Global - Asia Pacific Equity Fund



F93 Aberdeen Global - Asian Smaller Companies Fund (A2-Acc Shares)

Aberdeen Global - Asian Smaller Companies Fund



F81 Allianz Global Investors Fund - Allianz Little Dragons (A-Dis)

Allianz Global Investors Fund - Allianz Little Dragons


Class A Dis USD USD

F85 Allianz Global Investors Fund - Allianz Total Return Asian Equity (A-Dis)

Allianz Global Investors Fund - Allianz Total Return Asian Equity


Class A Dis USD USD

F185 Amundi Funds - Equity ASEAN (A2U-Acc Shares)

Amundi Funds - Equity ASEAN

Amundi Luxembourg S.A.

Class A2U-Acc

USD USD

F148 Baring International Umbrella Fund - Baring ASEAN Frontiers Fund (Class A)

Baring International Umbrella Fund - Baring ASEAN Frontiers Fund

Baring International Fund Managers (Ireland) Limited

Class A Inc USD USD

Equity - Asia Pacific

8








F149 Baring International Umbrella Fund - Baring Asia Growth Fund (Class A)

Baring International Umbrella Fund - Baring Asia Growth Fund


Class A Inc USD USD

F165 BlackRock Global Funds - Asia Pacific Equity Income Fund (A2 Shares)

BlackRock Global Funds - Asia Pacific Equity Income Fund


Class A2 USD USD

FIASEF Fidelity Funds - ASEAN Fund (“A” Shares)

Fidelity Funds - ASEAN Fund


Class A USD USD

FIAPFA Fidelity Funds - Asia Pacific Dividend Fund (“A” Shares)

Fidelity Funds - Asia Pacific Dividend Fund


Class A USD USD

FIASSF Fidelity Funds - Asian Special Situations Fund (“A” Shares)

Fidelity Funds - Asian Special Situations Fund


Class A USD USD

F59 Fidelity Funds - Emerging Asia Fund ("A-Acc-USD" Shares)

Fidelity Funds - Emerging Asia Fund


Class A-Acc USD USD

FIPACA Fidelity Funds - Pacific Fund (“A” Shares)

Fidelity Funds - Pacific Fund


Class A USD USD

F50 Fidelity Funds - South East Asia Fund (“A” Shares)

Fidelity Funds - South East Asia Fund


Class A USD USD

9








F202 First State Global Umbrella Fund plc - First State Asian Growth Fund (Class I Acc)

First State Global Umbrella Fund plc - First State Asian Growth Fund

First State Investments (HongKong) Limited

Class I Acc USD USD

INVAEC Invesco Asian Equity Fund (“A” Shares)

Invesco Funds Series - Invesco Asian Equity Fund

Invesco Global Asset Management Limited

A-AD Shares USD USD

F77 Investec GSF Asian Equity Fund (A-Inc Shares)

Investec Global Strategy Fund - Asian Equity Fund


A-Inc Shares USD USD

F179 PARVEST Equity Best Selection Asia ex-Japan (Classic USD Capitalisation Shares)

PARVEST Equity Best Selection Asia ex-Japan


Classic USD-Capitalisation

USD USD

TEMASG Templeton Asian Growth Fund (“A-Acc” Shares)

Franklin Templeton Investment Funds - Templeton Asian Growth Fund

Franklin Templeton International Services S.à r.l

A (acc) Shares

USD USD

F168 Templeton Asian Smaller Companies Fund (“A-Acc” Shares)

Franklin Templeton Investment Funds - Templeton Asian Smaller Companies Fund


A (acc) Shares

USD USD

F176 Value Partners Classic Fund (C Units)

Value Partners Classic Fund

Value Partners Limited

C Units USD USD

F177 Value Partners High-Dividend Stocks Fund (Class A1)

Value Partners High-Dividend Stocks Fund


Class A1 USD USD

10








F161 Aberdeen Global - Chinese Equity Fund (A2-Acc Shares)

Aberdeen Global - Chinese Equity Fund



F100 Baring Hong Kong China Fund

Baring International Umbrella Fund - Baring Hong Kong China Fund


Class A Inc USD USD

F151 Baring Investment Funds plc - Baring China Select Fund (Class A)

Baring Investment Funds plc - Baring China Select Fund


Class A Inc USD USD

F129 BlackRock Global Funds - China Fund (A2 Shares)

BlackRock Global Funds - China Fund


Class A2 USD USD

F144 CCB International Fund Series - CCB International - China Policy Driven Fund

CCB International Fund Series - CCB International - China Policy Driven Fund

CCB International Asset Management Limited

HKD HKD

F203 First State Global Umbrella Fund plc - First State China Focus Fund (Class I Acc)

First State Global Umbrella Fund plc - First State China Focus Fund

First State Investments (HongKong) Limited

Class I Acc USD USD

F197 Fidelity Funds - China Consumer Fund (A-Acc-USD)

Fidelity Funds - China Consumer Fund


Class A-Acc USD USD

F120 Fidelity Funds - China Opportunities Fund ("A-ACC-HKD" Shares)

Fidelity Funds - China Opportunities Fund


Class A-Acc HKD HKD

Equity - Greater China

11








F119 Henderson Horizon Fund - China Fund

Henderson Horizon Fund - China Fund

Henderson Management S.A.

Class A USD USD

F193 Haitong Middle Kingdom Fund

Haitong Middle Kingdom Fund

Haitong International Investment Managers Limited

- HKD HKD

INVGCH Invesco Greater China Equity Fund (“A” Shares)

Invesco Funds - Invesco Greater China Equity Fund

Invesco Management S.A.


F169 Invesco PRC Equity Fund - Class A (Acc - HK$) Shares

Invesco Funds Series 5 -Invesco PRC Equity Fund

Invesco Global Asset Management Ltd

A-Acc Shares HKD HKD

F140 JPMorgan Funds - Greater China Fund (A-Acc Shares)

JPMorgan Funds - Greater China Fund

JPMorgan Asset Management (Europe) S.à r.l.


F105 PARVEST Equity China (Classic Capitalisation Shares)

PARVEST Equity China


Classic-Capitalisation

USD USD

F134 Principal Life Style Fund - Principal China Equity Fund

Principal Life Style Fund - Principal China Equity Fund

Principal Asset Management Company (Asia) Limited

HKD - Acc HKD HKD

F67 Schroder International Selection Fund ("ISF") - Greater China Fund (A1-Acc Shares)

Schroder International Selection Fund - Greater China

Schroder Investment Management (Luxembourg) S.A.

A1-Acc Shares

USD USD

12








F175 Value Partners Intelligent Funds - China Convergence Fund

Value Partners Intelligent Funds - China Convergence Fund


Class A USD USD

F204 Value Partners China Greenchip Fund Limited (Class A)

Value Partners China Greenchip Fund Limited


Class A HKD HKD

F200 Aberdeen Global - Japanese Smaller Companies Fund (A2-Acc Shares)

Aberdeen Global - Japanese Smaller Companies Fund


Class A2-Acc JPY JPY

FIJAFA Fidelity Funds - Japan Advantage Fund (“A” Shares)

Fidelity Funds - Japan Advantage Fund


Class A JPY JPY

INVJAE Invesco Japanese Equity Fund (“A” Shares)

Invesco Funds Series 1 - Japanese Equity Fund


A-AD Shares USD USD

F160 Aberdeen Global - Australasian Equity Fund (A2-Acc Shares)

Aberdeen Global - Australasian Equity Fund


Class A2-Acc AUD AUD

F154 Aberdeen Global - Indian Equity Fund (A2-Acc)

Aberdeen Global - Indian Equity Fund



F82 Allianz Global Investors Fund - Allianz Hong Kong Equity (A-Dis)

Allianz Global Investors Fund - Allianz Hong Kong Equity


Class A Dis USD USD

Equity - Japan

13








F84 Allianz Global Investors Fund - Allianz Indonesia Equity (A-Dis)

Allianz Global Investors Fund - Allianz Indonesia Equity


Class A Dis USD USD

F150 Baring International Umbrella Fund - Baring Australia Fund (Class A)

Baring International Umbrella Fund - Baring Australia Fund


Class A Inc USD USD

F101 Baring Korea Feeder Fund

Baring Korea Feeder Fund


Class A Acc USD USD

FIAUSA Fidelity Funds - Australia Fund (“A” Shares)

Fidelity Funds - Australia Fund


Class A AUD AUD

FICFFA Fidelity Funds - China Focus Fund (“A” Shares)

Fidelity Funds - China Focus Fund


Class A USD USD

FIIFFA Fidelity Funds - India Focus Fund (“A” Share)

Fidelity Funds - India Focus Fund


Class A USD USD

FIMALF Fidelity Funds - Malaysia Fund (“A” Shares)

Fidelity Funds - Malaysia Fund


Class A USD USD

FITAIF Fidelity Funds - Taiwan Fund (“A” Shares)

Fidelity Funds - Taiwan Fund


Class A USD USD

14








F142 JPMorgan Funds - Singapore Fund (A-Acc Shares)

JPMorgan Funds - Singapore Fund



F143 JPMorgan Funds - Taiwan Fund (A-Acc Shares)

JPMorgan Funds - Taiwan Fund



F135 Principal Life Style Fund - Principal Hong Kong Equity Fund

Principal Life Style Fund - Principal Hong Kong Equity Fund

Principal Asset Management Company (Asia) Limited

HKD - Acc HKD HKD

F66 Schroder International Selection Fund ("ISF") - Hong Kong Equity Fund (A1-Acc Shares)

Schroder International Selection Fund - Hong Kong Equity


A1-Acc Shares

HKD HKD

F126 Schroder International Selection Fund ("ISF") - Taiwanese Equity (A1-Acc Shares)

Schroder International Selection Fund - Taiwanese Equity


A1-Acc Shares

USD USD

TEMKOR Templeton Korea Fund (“A-Acc” Shares)

Franklin Templeton Investment Funds - Templeton Korea Fund


A (acc) Shares

USD USD

TEMTHA Templeton Thailand Fund (“A-Acc” Shares)

Franklin Templeton Investment Funds - Templeton Thailand Fund


A (acc) Shares

USD USD

F178 Value Partners Taiwan Fund

Value Partners Taiwan Fund

Value Partners Hong Kong Limited

- USD USD

15








F155 Aberdeen Global - Latin American Equity Fund (A2-Acc)

Aberdeen Global - Latin American Equity Fund



F186 Amundi Funds - Equity Brazil (A2U-Acc Shares)

Amundi Funds - Equity Brazil


Class A2U-Acc

USD USD

F102 Baring Eastern Europe Fund

Baring Global Umbrella Fund - Baring Eastern Europe Fund


Class A Inc USD USD

F122 BlackRock Global Funds - Emerging Europe Fund (A2 Shares)

BlackRock Global Funds - Emerging Europe Fund


Class A2 USD USD

F131 BlackRock Global Funds - Latin American Fund (A2 Shares)

BlackRock Global Funds - Latin American Fund


Class A2 USD USD

FIEEME Fidelity Funds - Emerging Europe, Middle East and Africa Fund (“A-Acc-USD” Shares)

Fidelity Funds - Emerging Europe, Middle East and Africa Fund


Class A-Acc USD USD

FIEMEA Fidelity Funds - Emerging Markets Fund (“A” Shares)

Fidelity Funds - Emerging Markets Fund


Class A USD USD

F60 Franklin MENA Fund ("A-Acc" Shares)

Franklin Templeton Investment Funds - Franklin MENA Fund


A (acc) Shares

USD USD

Equity - Emerging Market

16








F138 JPMorgan Funds - Emerging Middle East Equity Fund (A-Acc Shares)

JPMorgan Funds - Emerging Middle East Equity Fund



F137 PARVEST Equity Brazil (Classic Capitalisation Shares)

Parvest - Parvest Equity Brazil



USD USD

F180 PARVEST Equity Russia (Classic USD Capitalisation Shares)

PARVEST Equity Russia



USD USD

F68 Schroder International Selection Fund ("ISF") - BRIC (Brazil, Russia, India, China) Fund (A1-Acc Shares)

Schroder International Selection Fund - BRIC (Brazil, Russia, India, China)


A1-Acc Shares

USD USD

TEMBRC Templeton BRIC Fund (“A-Acc” Shares)

Franklin Templeton Investment Funds - Templeton BRIC Fund


A (acc) Shares

USD USD

TEMEAE Templeton Eastern Europe Fund (“A-Acc” Shares)

Franklin Templeton Investment Funds - Templeton Eastern Europe Fund


A (acc) Shares

EUR EUR

TEMEME Templeton Emerging Markets Fund (“A-Acc” Shares)

Franklin Templeton Investment Funds - Templeton Emerging Markets Fund


A (acc) Shares

USD USD

TEMLAT Templeton Latin America Fund (“A-Dis” Shares)

Franklin Templeton Investment Funds - Templeton Latin America Fund


A (Ydis) Shares

USD USD

17








F164 Aberdeen Global - Technology Equity Fund (A2-Acc Shares)

Aberdeen Global - Technology Equity Fund



F86 Allianz Global Investors Fund - Allianz Global Agricultural Trends (AT-Acc)

Allianz Global Investors Fund - Allianz Global Agricultural Trends


Class AT Acc USD USD

F191 Allianz Global Investors Fund - Allianz Global Hi-Tech Growth (A-Dis)

Allianz Global Investors Fund – Allianz Global Hi-Tech Growth


Class A Dis USD USD

F188 Amundi Funds - Equity Global Luxury and Lifestyle (A2U-Acc Shares)

Amundi Funds - Equity Global Luxury and Lifestyle


Class A2U-Acc

USD USD

F189 Amundi Funds - Equity Global Resources (A2U-Acc Shares)

Amundi Funds - Equity Global Resources


Class A2U-Acc

USD USD

F89 BlackRock Global Funds - World Energy Fund (A2 Shares)

BlackRock Global Funds - World Energy Fund


Class A2 USD USD

F90 BlackRock Global Funds - World Gold Fund (A2 Shares)

BlackRock Global Funds - World Gold Fund


Class A2 USD USD

F201 BlackRock Global Funds - World Healthscience Fund (A2 Shares)

BlackRock Global Funds - World Healthscience Fund


A2 Shares USD USD

Equity - Sector/Theme

18








F91 BlackRock Global Funds - World Mining Fund (A2 Shares)

BlackRock Global Funds - World Mining Fund


Class A2 USD USD

FIAPPF Fidelity Funds - Asia Pacific Property Fund (“A-USD” Shares)

Fidelity Funds - Asia Pacific Property Fund


Class A USD USD

FIFINA Fidelity Funds - Global Financial Services Fund (“A” Shares)

Fidelity Funds - Global Financial Services Fund


Class A EUR EUR

FITECA Fidelity Funds - Global Technology Fund (“A” Shares)

Fidelity Funds - Global Technology Fund


Class A EUR EUR

F54 Invesco Asia Infrastructure Fund (“A” Shares)

Invesco Funds - Invesco Asia Infrastructure Fund



INVENE Invesco Energy Fund (“A” Shares)

Invesco Funds - Invesco Energy Fund



INVHEL Invesco Global Health Care Fund (“A” Shares)

Invesco Funds Series 3 - Invesco Global Health Care Fund


A-AD Shares USD USD

INVLAN Invesco Global Income Real Estate Securities Fund (“A” Shares)

Invesco Funds - Invesco Global Income Real Estate Securities Fund



19








F76 Investec GSF Global Energy Fund (A-Inc Shares)

Investec Global Strategy Fund - Global Energy Fund



F75 Investec GSF Global Gold Fund (A-Inc Shares)

Investec Global Strategy Fund - Global Gold Fund



F139 JPMorgan Funds - Global Natural Resources Fund (A-Acc Shares)

JPMorgan Funds - Global Natural Resources Fund



F195 PARVEST Equity World Consumer Durables (Classic USD Capitalisation Shares)

PARVEST Equity World Consumer Durables


Classic USD Capitalisation

USD USD

F181 PARVEST Equity World Materials (Classic USD Capitalisation Shares)

PARVEST Equity World Materials



USD USD

F182 PARVEST Equity World Utilities (Classic USD Capitalisation Shares)

PARVEST Equity World Utilities



USD USD

F69 Schroder International Selection Fund ("ISF") - Global Climate Change Equity Fund (A1-Acc Shares)

Schroder International Selection Fund - Global Climate Change Equity


A1-Acc Shares

USD USD

20








F103 Baring International Bond Fund

Baring International Umbrella Fund - Baring International Bond Fund


Class A Inc USD USD

F166 BlackRock Global Funds - Global Corporate Bond Fund (A2 Shares)

BlackRock Global Funds - Global Corporate Bond Fund


Class A2 USD USD

F167 BlackRock Global Funds - Global High Yield Bond Fund (A2 Shares)

BlackRock Global Funds - Global High Yield Bond Fund


Class A2 USD USD

F79 Investec GSF Global Bond Fund (A-Acc Shares)

Investec Global Strategy Fund - Global Bond Fund



F183 PARVEST Bond World (Classic USD Capitalisation Shares)

PARVEST Bond World



USD USD

F112 PIMCO Total Return Bond Fund (Class E Accumulation)

PIMCO Funds: Global Investors Series Plc - Total Return Bond Fund

PIMCO Funds: Global Investors Series plc

Class E Accumulation

USD USD

F72 Schroder International Selection Fund ("ISF") - Global Inflation Linked Bond Fund (A1-Acc Shares)

Schroder International Selection Fund - Global Inflation Linked Bond


A1-Acc Shares

EUR EUR

Fixed Income - Global

21








F127 Templeton Global Bond Fund (“A-Acc” Shares)

Franklin Templeton Investment Funds - Templeton Global Bond Fund


A (acc) Shares

USD USD

F128 Templeton Global Total Return Fund (“A-Acc” Shares)

Franklin Templeton Investment Funds - Templeton Global Total Return Fund


A (acc) Shares

USD USD

F172 Allianz Global Investors Fund - Allianz US High Yield (AT-Acc Shares)

Allianz Global Investors Fund - Allianz US High Yield



F157 BlackRock Global Funds - US Dollar High Yield Bond Fund - Hedged (AUD) (A2 Shares)

BlackRock Global Funds - US Dollar High Yield Bond Fund


Class A2 AUD AUD

F111 PARVEST Bond USD (Classic Capitalisation Shares)

PARVEST Bond USD



USD USD

Fixed Income - US

22








F152 Aberdeen Global - Asian Local Currency Short Duration Bond Fund (A2-Acc)

Aberdeen Global - Asian Local Currency Short Duration Bond Fund



F121 BlackRock Global Funds - Asian Tiger Bond Fund (A2 Shares)

BlackRock Global Funds - Asian Tiger Bond Fund


Class A2 USD USD

F173 Fidelity Funds - Asian High Yield Fund (A-Acc-USD)

Fidelity Funds - Asian High Yield Fund


Class A-Acc USD USD

F158 JPMorgan Asian Total Return Bond Fund (Acc Shares)

JPMorgan Asian Total Return Bond Fund


Acc Shares USD USD

F107 PARVEST Bond Asia ex-Japan (Classic Capitalisation Shares)

PARVEST Bond Asia ex-Japan



USD USD

F71 Schroder International Selection Fund - Asian Bond Absolute Return (A1-Acc Shares)

Schroder International Selection Fund - Asian Bond Absolute Return


A1-Acc Shares

USD USD

F146 Schroder International Selection Fund ("ISF") - Hong Kong Dollar Bond (A1-Acc Shares)

Schroder International Selection Fund - Hong Kong Dollar Bond


A1-Acc Shares

HKD HKD

Fixed Income - Asia Pacific

23








F162 Aberdeen Global - Select Emerging Markets Bond Fund (A2-Acc Shares)

Aberdeen Global - Select Emerging Markets Bond Fund



F92 BlackRock Global Funds - Emerging Markets Local Currency Bond Fund (A2 Shares)

BlackRock Global Funds - Emerging Markets Local Currency Bond Fund


Class A2 USD USD

F110 PARVEST Bond Best Selection World Emerging (Classic Capitalisation Shares)

PARVEST Bond Best Selection World Emerging



USD USD

F192 Allianz Global Investors Fund - Allianz Income and Growth (AT-Acc)

Allianz Global Investors Fund – Allianz Income and Growth



F80 Investec GSF Global Strategic Managed Fund (A-Acc Shares)

Investec Global Strategy Fund - Global Strategic Managed Fund



TEMINC Templeton Global Income Fund (“A-Acc” Shares)

Franklin Templeton Investment Funds - Templeton Global Income Fund


A (acc) Shares

USD USD

F198 Schroder International Selection Fund (“ISF”) - Global Multi-Asset Income (A1-Acc Shares)

Schroder International Selection Fund - Global Multi-Asset Income


A1-Acc Shares

USD USD

Mixed Asset – Global

Fixed Income - Emerging Market

24








F87 Allianz Global Investors Fund - Allianz Oriental Income (A-Dis)

Allianz Global Investors Fund - Allianz Oriental Income


Class A Dis USD USD

F70 Schroder International Selection Fund ("ISF") - Global Emerging Market Opportunities Fund (A1-Acc Shares)

Schroder International Selection Fund - Global Emerging Market Opportunities


A1-Acc Shares

USD USD

F184 Amundi Funds - Cash USD (AU-Acc Shares)

Amundi Funds - Cash USD


Class AU-Acc USD USD

F113 Fidelity Funds - US Dollar Cash Fund (“A-Acc-USD” Shares)

Fidelity Funds - US Dollar Cash Fund


Class A-Acc USD USD

Money Market - USD

Mixed Asset - Asia Pacific

Mixed Asset - Emerging Markets

Additional information• Each underlying fund is subject to its own subscription fee and this subscription fee is not applicable to Cheers Plus, Legend,

Oscar, Cheers Investment Life Insurance Plan, Columbus, “Wealth Accumulator” Plus, Wealth Partner and “Wealth Smart” Premier.

• For more information of the underlying funds, please refer to the respective offering documents

Note:1. If dividends are declared and paid in respect of an underlying fund and your policy is still in effect, we will allocate to your

policy extra notional units of your corresponding investment choice equal to the amount of dividend distributed.

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