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Risk Disclosure for:

  • Franklin Diversified Income and Growth Fund
  • Franklin Post-Retirement Stable Income Fund

Franklin Diversified Income and Growth Fund

INVESTMENT INVOLVES RISKS. The value of the Fund can be volatile and investors may not get back the amount originally invested. Past performance is not indicative of future results.

  1. Franklin Diversified Income and Growth Fund invests at least 70% of its net asset value in a diversified portfolio of debt, equities and equity-related securities.
  2. The Fund is subject to general investment risk, market risk, asset allocation risk, concentration risk, equity risk, risks associated with investments in equity-linked notes, convertible securities risk, counterparty risk, foreign currency risk, currency hedged class risk, Renminbi currency risks, derivative risk, and liquidity risk.
  3. The Fund may invest in debt securities which are subject to sovereign debt risk, interest rate risk, credit risk, valuation risk, credit rating risk, downgrading risk, and non-investment grade securities risk.
  4. The Fund may at its discretion pay dividends out of the capital or out of gross income of the Fund while paying all or part of the Fund's fees and expenses out of the capital of the Fund, which results in effectively paying dividends out of capital. Payment of dividends out of capital amounts to a return or withdrawal of part of an investor's original investment or from any capital gains attributable to that original investment. Any distributions involving payment of dividends out of the Fund's capital or payment of dividends effectively out of the Fund's capital (as the case may be) may result in an immediate reduction of the net asset value per share.
  5. Investors should not invest based on this marketing material alone. Offering documents should be read for further details, including the risk factors. Before you decide to invest, you should make sure the intermediary has explained to you that the Fund is suitable to you.

 

Franklin Post-Retirement Stable Income Fund

INVESTMENT INVOLVES RISKS. The value of the Fund can be volatile and investors may not get back the amount originally invested. Past performance is not indicative of future results.

  1. Franklin Post-Retirement Stable Income Fund invests at least 70% of its net asset value in a diversified portfolio of debt, equities and equity-related securities.
  2. The Fund is subject to general investment risk, market risk, asset allocation risk, concentration risk, equity risk, risks associated with collateralized and/or securitised products, risks associated with investments in equity-linked notes, convertible securities risk, counterparty risk, foreign currency risk, currency hedged class risk, Renminbi currency risks, derivative risk, and liquidity risk.
  3. The Fund may invest in debt securities which are subject to sovereign debt risk, interest rate risk, credit risk, valuation risk, credit rating risk, and downgrading risk.
  4. The Fund may at its discretion pay dividends out of the capital or out of gross income of the Fund while paying all or part of the Fund's fees and expenses out of the capital of the Fund, which results in effectively paying dividends out of capital. Payment of dividends out of capital amounts to a return or withdrawal of part of an investor's original investment or from any capital gains attributable to that original investment. Any distributions involving payment of dividends out of the Fund's capital or payment of dividends effectively out of the Fund's capital (as the case may be) may result in an immediate reduction of the net asset value per share.
  5. Investors should not invest based on this marketing material alone. Offering documents should be read for further details, including the risk factors. Before you decide to invest, you should make sure the intermediary has explained to you that the Fund is suitable to you.

Fun fact

Did you know Hong Kong has the highest life expectancy in the world at 85.6 years? That’s well above the global average of 73.7 years1.

Life expectancy comparison: Hong Kong vs. Global

We’re living longer—and that’s something to celebrate. But living well in retirement doesn’t happen by chance. It takes foresight, planning, and the right financial choices. Are you prepared for the years ahead?

Start planning smarter with Franklin Templeton’s three-part video series. Each three-minute episode reveals how small steps today can lead to greater financial flexibility tomorrow.

The videos are available in Cantonese only.

Imagine your retirement—what do you see?

Watch out for these pitfalls

Keep your retirement plan on course

Start planning early

The earlier you start, the more time you have to build your savings and investments.

Diversify your income sources

Don’t rely on just one source. Mix pensions, annuities, and investments to stay diversified.

Plan for healthcare

Set funds aside for healthcare and consider long-term care insurance.

Retirement Protection in Hong Kong

Hong Kong has broadly adopted a multi-pillar retirement protection model2 advocated by the World Bank, with tailored components to address the diverse needs of its elderly population.

Hover over to flip and discover examples of retirement protection in Hong Kong.

Zero Pillar

Comprehensive Social Security Assistance (CSSA); Old Age Living Allowance (OALA); Old Age Allowance (OAA); Guangdong Scheme; Disability Allowance (DA)

First Pillar

Hong Kong has not yet established a universal public pension system. Feel free to explore examples of protection from other pillars.

Second Pillar

Mandatory contributions to Mandatory Provident Fund (MPF) schemes; occupational retirement schemes; civil service pensions; Grant/Subsidised Schools Provident Funds

Third Pillar

Voluntary contributions to MPF schemes; retirement savings-related insurance

Fourth Pillar

Public housing; public healthcare; residential and community care services; elderly health care vouchers; public transport fare concession; family support; self-owned properties

Why Retirement-focused mutual funds?

In addition, investing is likely another effective way to prepare for retirement. Here’s why retirement-focused mutual funds may be a smart choice:

Professional management

Portfolio managers make informed investment decisions for you—focusing on growth while you save, and income when you retire.

Diversification

Funds spread your money across different assets, aiming to help reduce risk and improve long-term returns.

Adaptability

Active fund managers can quickly adjust the portfolio in response to market changes, aiming to preserve and grow your savings—even in volatile times.

Evolve your portfolio as you age

Your retirement investment mix should reflect where you are in life as your risk appetite changes.

When you are younger:
You can typically take on more risk, allowing for a higher allocation to equities to help boost long-term growth.
As you get older:
It’s natural to shift toward lower-risk options like fixed income, aiming for stability and a steady income.

Your trusted partner for life’s financial journey

From growing assets to generating income, Franklin Templeton’s solutions are designed to accompany investors through every stage of their financial journey.
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Act with a focus on balancing income and capital appreciation.

The Franklin Diversified Income and Growth Fund blends equities, fixed income and alternative assets to capture opportunities across regions and sectors. It aims to deliver a stream of income while building long-term capital growth.

Learn more

Now spotlighting the role of resilient income in your retirement years.

The Franklin Post-Retirement Stable Income Fund invests across fixed income, equities and hybrid instruments to help preserve capital while aims at delivering payouts in regular basis. (The Fund offers monthly distribution share classes, which aim to pay dividend on a monthly basis. Dividend yield is not guaranteed. The Fund may pay dividend out of capital of the Fund. Refer to Risk Considerations 4). It is designed to support financial confidence throughout retirement.

Learn more
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Retirement isn’t a finish line—it’s a new chapter

And like any great story, it takes planning, pacing, and purpose. With the right steps, you can turn those “someday” dreams into “right now” realities.

Looking for more information?

Contact us

Footnotes

  1. Source: World Economics, as of 31 December 2024. 
  2. Source: Executive Summary of Retirement Protection Forging Ahead, Legislative Council of the Hong Kong Special Administrative Region, as of 30 December 2015.

Important Legal Information

Issued by Franklin Templeton Investments (Asia) Limited, 62/F, Two IFC, 8 Finance Street, Central, Hong Kong. 

This document has not been reviewed by the Securities and Futures Commission in Hong Kong.

This document is intended to be of general interest only. This document should not be construed as individual investment advice or offer or solicitation to buy, sell or hold any shares of fund or security. Investment involves risks. Past performance is not an indicator or a guarantee of future performance. The investment returns are calculated on NAV to NAV basis, taking into account of reinvestments and capital gain or loss. The investment returns are denominated in stated currency, which may be a foreign currency other than USD and HKD (“other foreign currency”). US/HK dollar-based investors are therefore exposed to fluctuations in the US/HK dollar / other foreign currency exchange rate. Please refer to the offering documents for further details, including the risk factors.

The data, comments, opinions, estimates and other information contained herein may be subject to change without notice. There is no guarantee that an investment product will meet its objective and any forecasts expressed will be realized. Performance may also be affected by currency fluctuations. Reduced liquidity may have a negative impact on the price of the assets. Currency fluctuations may affect the value of overseas investments. Where an investment product invests in emerging markets, the risks can be greater than in developed markets. Where an investment product invests in a specific sector or geographical area, the returns may be more volatile than a more diversified investment product. The mention of any individual securities should neither constitute nor be construed as a recommendation to purchase or sell securities, and the information provided regarding such individual securities is not a sufficient basis upon which to make an investment decision. Fund allocations, holdings and characteristics are subject to change at any time. Franklin Templeton may have an interest in the acquisition or disposal of the securities mentioned herein. 

Franklin Templeton accepts no liability whatsoever for any direct or indirect consequential loss arising from use of this document or any comment, opinion or estimate herein. This document may not be reproduced, distributed or published without prior written permission from Franklin Templeton.

Unless stated otherwise, all information is as of the date of this document. Source: Franklin Templeton.

Hedged share classes will attempt to hedge the currency risk between the base currency of the Fund and the currency of the share class, although there can be no guarantee that it will be successful in doing so. In some cases, investors may be subject to additional risks.

CFA® and Chartered Financial Analyst® are trademarks owned by CFA Institute.

Indices are unmanaged, and one cannot invest directly in an index. They do not reflect any fees, expenses or sales charges.

Important data provider notices and terms available at www.franklintempletondatasources.com.

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