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  • Low Investment Threshold

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    as 0.01 HKD

Various Funds to Suit Your Needs

Money Market Funds

  • Enjoy yield with your spare cash every day
  • Instant redemption allows you to buy stocks T+0
  • Subscribe from as little as 0.01 HKD
HKD-Denominated Products
ProductsFlexibilityAnnualized Yield
Referece Yield for HK$100,000
(1 Year)
Demand DepositWithdrawable on Demand0.001%HK$1
Equivalent of Cash0.19%HK$190
USD-Denominated Products
ProductsFlexibilityAnnualized Rate of Return
Referece Yield for $50,000
(1 Year)
Demand DepositWithdrawable on Demand0.001%$0.5
Equivalent of Cash0.33%$165
Money market funds differ from bank deposit in nature, structure and risks. Money market funds are of low to medium low risks, with no positive yields guaranteed. Before investing, read carefully the sales documents and risk disclosure statements of relevant fund.
The above data is taken on February 19, 2021. Statistics of bank products are not comprehensive. Statistics of Futu money market funds are the average yield of money market funds offered on Futu. The past performance of a fund does not represent its future performance. The above information does not constitute any investment advice and is for reference only.

Fixed-Term Investment Products

  • One-month lock-up period
  • Customized investment strategies
  • More resistant to fluctuations

Fixed Income Funds

  • Moderate risk with relatively stable return
  • Low threshold with zero subscription fees
  • Leading fixed income funds from across the world

Equity Funds

  • Higher potential profit
  • Risk diversification with a basket of equities
  • Rich selection of industries and regions

Money Security Ensured by Custodian

Guaranteed Separation of Client Money from Fund Distributors
Futu sells funds on behalf of fund companies and does not participate in the operation of the funds. Clients' money is held in the custodial account and is subject to the investment operation of fund managers.
Guaranteed Separation of Client Money from Fund Managers
The Hong Kong Securities and Futures Commission (SFC) stipulates that the assets of funds recognized by the SFC must be held by a trustee or custodian and seprated from fund companies' own assets, so that even if fund companies cease to operate, clients' assets will not be affected. Recognition by the SFC does not mean its promoting or endorsing such funds.

Operation Guide

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Disclaimer and Risk Disclosure

This disclaimer and risk disclosure are authorized and published by Futu Securities. The content on this site has not been reviewed by the Securities and Futures Commission. This document should only be used for non-commercial and reference purposes, and may be altered at any time without notice due to changes in economic, market and other conditions. Any media, website or individual is not allowed to reprint, link, repost, copy or publish this document and any other text without authorization. In some countries, the methods of circulating and distributing this document may be restricted by laws or regulations. Those who have access to this document must be aware of and comply with these restrictions.

This document is not and should not be regarded as an offer, solicitation, invitation, recommendation to buy or sell any investment products or the basis for investment decisions, nor should it be construed as professional advice. People who read this document or before making any investment decisions should fully understand the risks and the characteristics and consequences of relevant laws, taxes and accounting, decide whether the investment is in accordance with their individual financial situations and investment goals and whether they can endure relevant risks based on their personal circumstances, and seek appropriate professional advice when necessary.

Investment involves risks, and investors should carefully read funds' information and related documents (including its risk factors). Investors are reminded that the price of fund products may go up or down, and may change substantially within a short period of time. Investors may not be able to reclaim the amount they invested in the fund. The past performance of a fund does not represent its future performance. If there are contents similar to forward-looking statements in this document, such contents or statements shall not be regarded as guarantees of any future performance, and it should be noted that actual conditions or developments may be substantially different from those statements.

Information about funds and their related documents, unless otherwise clearly indicated as from other sources, are provided by fund managers. We have not independently verified such information and related documents. To the extent permitted by laws, we do not make any guarantees or endorsements for the accuracy, reliability, completeness, and adequacy of the information and related documents provided by fund managers and information providers, or for the update status of such information and related documents. We are not to be held liable for any errors, omissions, inaccuracy, or inadequacy of the information and related documents provided by us in this regard, or the failure of the data provider and fund manager to provide us with updated fund information and related documents in a timely manner.

Futu Securities International (Hong Kong) Limited

Product Risk Rating and Client Categorization Methodology

1.Product Risk Rating Methodology

Product risk rating assigned to product is based on risk rating methodology of Futu Securities International (Hong Kong) Limited (“FSIL”). Products are rated on 5 risk levels (please refer to the table below for details). Our risk rating methodology takes into account a variety of factors, both qualitative and quantitative, to assist customers to make informed investment decision. Factors being used are product specific. Example of factors include product type and characteristics, product complexity, investment period and redemption restriction, market risk, credit risk rating, concentration risk, price volatility, economic and political situation and product underlying currency, regulatory risk, etc.

FSIL will review and update product risk rating on a regular basis to reflect current market situation.

The following table summarizes the definition of each risk rating under our methodology:

Risk RatingRisk ClassificationDefinition
R1Very LowIn general, minimal chance of losing a significant portion of your capital (although this is not guaranteed), and expected to demonstrate minimal price fluctuations.
R2LowIn general, low chance of losing a significant portion of your capital (although this is not guaranteed), and expected to demonstrate moderately low level of price fluctuations.
R3ModerateIn general, moderate chance of losing a significant portion of your capital (although this is not guaranteed), and expected to demonstrate moderate level of price fluctuations.
R4HighIn general, moderately high chance of losing a significant portion of your capital, and expected to demonstrate moderately high level of price fluctuations.
R5Very HighIn general, high chance of losing a significant portion of your capital, and expected to demonstrate high level of price fluctuations.

Customers should note that the risk rating assigned by FSIL may be different from other financial institutions. Also, customers could hold different views from FSIL. Customers should not solely rely on FSIL's product risk rating assessment in making investment decision. Customers are encouraged to consider other product features to ensure such investment is suitable for their own circumstances.

2.Customer Categorization

FSIL uses Risk Profile Questionnaire (“RPQ”) to establish customer’s own investment strategy by obtaining information on their investment knowledge, investment experience and risk tolerance level. Customer risk is categorized into five levels, ranking from low to high: Conservative, Moderate, Balanced, Growth and Aggressive, by taking into account of customer’s basic information, financial status, investment experience, investment period, investment objectives, risk appetite, etc.

Customer risk categorization factors:

Basic InformationAge
Education Level
Financial StatusTotal Asset
Annual Income
Liquid Asset
Investment ExperienceInvestment Knowledge
Past Investment Experience
Investment Period
Investment ObjectiveInvestment Objective
Risk AppetiteRisk Tolerance Level

Customer Risk Level Classification:

ClassificationClassification Customer Risk Tolerance LevelDescription
ConservativeVery LowExpect the principal is absolutely safe and can only accept investments with a relatively lower risk and small price fluctuations in order to achieve smaller returns.
ModerateLowExpect the risk to principal loss is small and can accept investments with low to moderate risks and price fluctuations in order to obtain a more stable investment return.
BalancedModerateAble to accept investments with moderate risk and price fluctuations in pursuit of asset appreciation and current returns.
GrowthHighAble to accept investments with medium to high risk and price fluctuations in pursuit of higher returns and long-term appreciation of assets.
AggressiveVery HighAble to accept investments with high risk and price fluctuations in pursuit of great returns and long-term appreciation of assets.
3.Suitability Analysis

Before the customers enter into transactions of products, FSIL would conduct a comprehensive suitability assessment of the customers by using the customer and product risk as the base, and considering factors such as client's investment objectives, investment period, investor type, derivative knowledge, and investment concentration risk, in order to make investment recommendations to them.

In general, customers should understand that customers should invest in product according to their financial capability, investment objectives and risk appetite. Products with a product risk rating above their customer risk rating are not suitable. Customers cannot invest in such products unless it has fulfilled the suitability assessment.

Customers should make their own judgment on the risks and should consult their own legal, financial, tax accounting and other professional advisors, as necessary, to ensure that any decision made is suitable with regard to their circumstances and financial position.