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Mingjing Capital Co., Ltd. © 2018 All Rights Reserved.

According to the Financial Supervisory Commission's regulations, overseas funds can only invest in listed securities and interbank bond markets in mainland China, and the total amount invested in the aforementioned securities shall not exceed 20% of the fund's net asset value. When the fund's investment regions include mainland China and Hong Kong, the fund's net asset value may be affected to varying degrees due to changes in the laws, politics, or economic environment in mainland China.

Non-investment grade bond funds are suitable for non-conservative investors seeking potential returns on fixed-income investments and capable of tolerating higher risks. Investors should not allocate too large a proportion of their portfolio to funds that primarily invest in non-investment grade bonds. Because non-investment grade bonds have credit ratings that do not meet investment grade or are not credit-rated, and are highly sensitive to interest rate fluctuations, non-investment grade bond funds may suffer losses due to rising interest rates, decreased market liquidity, or defaults by bond issuers, including defaults on principal and interest payments or bankruptcy. Investors should carefully assess their investment options. Non-investment grade bond funds are not suitable for investors who cannot afford the associated risks.

Funds investing in non-investment grade bonds may invest in U.S. Rule 144A bonds (domestic funds may invest up to 30% of their total assets). However, these bonds are privately placed and do not have specific requirements for registration and disclosure with the U.S. Securities and Exchange Commission. Furthermore, only qualified institutional investors can participate in this market, and liquidity cannot be extended to general investors, potentially leading to insufficient liquidity. Investors should be aware of the relevant risks before investing.

The fund invests in loss-absorbing bonds issued by financial institutions (including contingent convertible bonds (CoCo bonds) and total loss-absorbing capacity bonds (TLAC)). When a financial institution experiences a capital adequacy ratio below a certain level, a major operational or bankruptcy crisis, it may write down the face value of the bonds or convert them into equity through contracts or statutory mechanisms. This may result in partial or full write-down of customers' claims, cancellation of interest, conversion of claims into equity, modification of bond terms such as maturity date, coupon rate, interest payment date, or suspension of interest payments.

Dividends for monthly-paying funds, A/Y share stable monthly-paying funds, A/Y/B share [F1 stable monthly-paying] funds, A share H monthly-paying funds with AUD hedging, Y share H monthly-paying funds with AUD (AUD/USD hedging), and A/B share C monthly-paying funds may be paid from the fund's income, principal, or income balancing reserve. Any portion involving payments from principal or income balancing reserve may result in a reduction of the original investment amount. The key point is that fund dividends will only be paid from the principal if a stable dividend is maintained. However, please note that the dividend per share is not fixed. Fund dividends do not represent the fund's actual return, and past dividends do not guarantee future dividends; the fund's net asset value (NAV) may fluctuate due to market factors. Investors should pay attention to changes in the fund's NAV when receiving dividends. Monthly dividend-paying funds, A/Y/B share [F1 Stable Monthly Dividend], A-share H monthly dividend (AUD hedging), Y-share H monthly dividend (AUD/USD hedging), and A/B share C monthly dividends do not deduct relevant expenses before dividend distribution. For information on dividend payments from principal over the past 12 months, please visit Mingjing Investment's official website. The F1 Stable Monthly Dividend is suitable for investors who understand and accept the following explanation: Dividends primarily come from total income and occasionally from principal; only when maintaining a stable dividend will a portion be paid from principal. However, please note that the dividend per share is not fixed. The C-month dividend is suitable for investors who understand and accept the following explanation: Dividends primarily come from total income and principal, aiming to achieve a higher level than the stable monthly dividend of F1. Dividends paid on principal represent a return on the original invested principal or a partial refund, or any capital gains generated from the original investment. Dividends may result in an immediate reduction in the fund's net asset value per share and the fund's principal available for future investment. Principal growth may be reduced, and a high dividend does not represent a positive or high return on the investor's total investment. For beneficiaries of all currency-denominated units of the N-type investment deferred handling fee, the handling fee will be paid upon repurchase. This fee will vary depending on the holding period. For investments of 1, 2, and 3 years or less, the deferred handling fee rates are 3%, 2%, and 1% respectively. After 3 years, there is no deferred handling fee. The calculation of other fees is exactly the same as for previously collected handling fees, and no additional resale fees are charged. Please refer to the fund prospectus for details. No subscription handling fee is charged for investments in B-type funds; however, if an investor redeems early, a deferred handling fee must be paid and deducted from the redemption proceeds. While the "handling fee" can be deferred, a 1% distribution fee is still payable annually, which may increase the actual cost. This handling fee is calculated based on the lower of the original investment cost and the market price at the time of redemption. Fund deferred handling fee rates: 0-1 years 3%, 1-2 years 2%, 2-3 years 1%, over 3 years 0%. The distribution fee is already reflected in the daily net asset value of the fund and is calculated at 1% of the annual net asset value. Please refer to the fund prospectus for details.

I. Investment Risks

All investments carry risks. Financial markets may fluctuate due to economic conditions, interest rate changes, policy adjustments, international events, or other unpredictable factors, causing investment values to rise or fall.
Different investment products (such as funds, stocks, ETFs, bonds, derivative financial products, etc.) have different risk characteristics and investment restrictions. Investors should fully understand and bear the relevant risks before investing.

II. Past performance is not indicative of future results.

Any historical performance, data, analysis, or simulation results disclosed on this website are for reference only and do not constitute a guarantee of future investment returns.
The performance of investments may vary with market fluctuations, and the company assumes no responsibility for any future profits or losses.

III. Information Accuracy and Completeness

Our company is committed to providing accurate, timely and complete market information, but does not guarantee that its content is error-free or completely accurate.
The data, reports, comments or other information contained on this website may be derived from our internal research or third-party sources. We do not guarantee their accuracy, completeness or timeliness.
Investors should verify the authenticity and applicability of the relevant information themselves. The company shall not be liable for any direct or indirect losses arising from the use of or reliance on the information on this website.

IV. This does not constitute investment advice.

Any content provided on this website should not be considered as individualized investment, legal, tax or other professional advice.
Investors should determine for themselves whether participating in such investments is suitable based on their individual financial situation and needs. If necessary, please consult a qualified professional advisor.

V. Investor Responsibilities

Investors should bear the profits and losses resulting from their investment decisions.
This company is not liable for any loss or damage arising from investors' use of the information or services on this website or from investment decisions made based on the content provided by this company.

VI. Intellectual Property Rights

The copyright and intellectual property rights of all content on this website (including text, images, logos, data, reports, etc.) belong to our company or the legally authorized rights holders.
No one may use, copy, distribute or modify the content of this website without the company’s written consent.

VII. Amendments to the Disclaimer

The Company reserves the right to revise, update or delete the contents of this disclaimer at any time without prior notice.
Investors should check regularly to ensure they understand the latest version of the disclaimers.

Mingjing Capital Co., Ltd.

Unified number 50898536

Company Address

12th Floor, No. 380, Section 1, Fuxing South Road, Da'an District, Taipei City

Disclaimer: Investment involves risk, and past performance is not indicative of future results. Investors should carefully assess their own circumstances and consult a professional advisor if necessary.

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