What are the risks of investing in CashUp model portfolios? (HK)

CashUp model portfolios are a diversified investment portfolio of cash, money market, and short duration fixed income funds. As an investment product, CashUp model portfolios are not capital-guaranteed and it may experience periods of negative returns. The return potential of each CashUp model portfolio is positively correlated to the risk profile of the underlying investments. Read more here for the differences between each CashUp model portfolio.

Difference between CashUp model portfolio and a bank deposit

When you make a deposit at a member bank of the Hong Kong Deposit Protection Scheme (DPS), it is insured for up to HK$500,000 in the event that the bank fails. As CashUp model portfolio is an investment product and not a bank deposit, it is not insured by the DPS.

Safeguarding your financial interests

CashUp model portfolios invest in funds, mainly money market funds and short-duration bond funds. The funds have their assets ring-fenced by fund trustees and custodians and are used for the sole objective of growing your investments.

With fund trustees custodians in place, your assets are kept separate from Endowus, as well as fund managers such as HSBC, Amundi, and Ping An.

Fund managers are also bounded by fund objectives as stated in the fund documentation and have strict guidelines for what the fund can and cannot invest in.

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