Principal brochure - Investment choices brochure
The principal brochure of i.Wealth Regular Investment Savings Plan / i.Master / i.KnowU / i.KnowU (One-off Premium) ("the Policy") consists of the product brochure and this investment choices brochure. This investment choices brochure is issued and should be read in conjunction with the product brochure and the product key facts, which are part of the offering documents. Such documents are available on ING Life website at http://www.ing.com.hk. This investment choices brochure is applicable to the following investment-linked assurance schemes offered by ING Life Insurance Company (Bermuda) Limited (hereinafter called "ING Life"): ! i.Wealth Regular Investment Savings Plan ! i.Master ! i.KnowU ! i.KnowU (One-off Premium) Your investments are therefore subject to the credit risk of ING Life. ! ! ! !
ING Life
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FO01 (Jun 2011)
This investment choices brochure explains the investment choices available to you through the Policy; these investment choices are issued by ING Life. The return on investment choices is calculated with reference to the fluctuation of the performance of the underlying funds. The investment choices are authorized by the SFC for sale in Hong Kong. SFC authorization is not a recommendation or endorsement of the Policy, nor does it guarantee the commercial merits of the Policy or its performance. It does not mean the Policy is suitable for all investors nor is it an endorsement of its suitability for any particular investor or class of investors. For details of the underlying funds (such as risk factors, fees and charges, the types of intended investments and their relative proportions in the portfolio, the geographical distribution of the intended investments and the investment and borrowing restrictions) of all investment choices, please refer to the respective prospectuses of these underlying funds which are available to you on ING Life's website at www.ing.com.hk. For details of our internal funds (such as risk factors, fees and charges, the types of intended investments and their relative proportions in the portfolio, the geographical distribution of the intended investments and the investment and borrowing restrictions), ING Stable Lifestyle Portfolio, ING Balanced Lifestyle Portfolio and ING Growth Lifestyle Portfolio, please refer to the appendices of this investment choices brochure. For investment choices with distribution of dividends, your Policy Account will be allocated with extra notional units of the investment choices for the amount of distribution. Underlying fund management charge includes the investment management fee and maintenance fee of the underlying funds. The underlying funds may apply other fees and charges, and all of the fees and charges of the underlying funds are reflected in the unit price. Please refer to the respective prospectuses of the underlying funds for more details. Any changes in the underlying fund management charge will be subject to no less than 1 month's prior written notice or such shorter period of notice in compliance with the relevant regulatory requirements.

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