Fidelity-Some important Details about This Broker

WikiFX | 2025-05-20 16:29

摘要：Established in 1969, Fidelity is a financial company under regulation of SFC, offering international investment solutions. It does not provide FX or CFDs, but instead concentrates on mutual funds, retirement plans (MPF/ORSO), and thematic strategies. Moreover, demo accounts are not available.

Fidelity Review Summary
Founded	1969
Registered Country/Region	USA
Regulation	SFC
Products & Services	Global mutual funds, MPF & ORSO retirement schemes, thematic and multi-asset investment solutions
Demo Account	❌
Trading Platform	Fidelity Online, Fidelity Mobile App
Minimum Deposit	HK$1,000/month (Monthly Investment Plan)
Customer Support	Phone: (852) 2629 2629
Customer Support	Email: hkenquiry@fil.com

Fidelity Information

Established in 1969, Fidelity is a financial company under regulation of SFC, offering international investment solutions. It does not provide FX or CFDs, but instead concentrates on mutual funds, retirement plans (MPF/ORSO), and thematic strategies.

Pros and Cons

Pros	Cons
SFC regulated	No demo or Islamic (swap-free) account
Wide selection of mutual funds and retirement solutions	Relatively high fees
Tiered fee structure benefits high-balance investors
Long operation time
Various account types

Is Fidelity Legit?

Yes, Fidelity is regulated. It is authorized by the Securities and Futures Commission (SFC) of Hong Kong with a Dealing in futures contracts license. The license number is AAG408.

Products and Services

Fidelity offers worldwide mutual funds, retirement schemes (MPF & ORSO), and themed investments to fit investors' financial goals. They offer income creation, sustainable investing, and multi-asset strategies.

Products & Services	Feature
Mutual Funds	Global funds in various currencies and asset classes
Thematic Investing	Long-term investments based on global trends and innovation themes
Multi-Asset Solutions	Diversified portfolios combining different asset types
Sustainable Investing	Focused on ESG and responsible investment strategies
MPF (Mandatory Provident Fund)	Retirement funds tailored to different risk and income profiles
ORSO (Occupational Retirement Schemes Ordinance)	Employer-sponsored retirement investment plans
Income Strategies	Global income-focused investment options
Asia-Focused Investments	Funds targeting growth opportunities across Asian markets

Account Type

Fidelity offers four types of live accounts: Personal Investors, MPF/ORSO members, Intermediaries, and Institutional Investors. There are no demo or Islamic (swap-free) accounts available.

Account Type	Suitable for
Personal Investors	Individuals managing their own investments
MPF / ORSO Accounts	Employees and employers under Hong Kong retirement schemes
Intermediaries	Advisers, wealth managers, financial consultants
Institutional Investors	Institutions such as pensions, corporates, and family offices

Fidelity Fees

Fidelitys fees follow a tiered structure—larger investment amounts enjoy lower charges, while smaller investments face higher fees. Overall，its cost structure is moderate to high by industry standards.

Investment Method	Fee Type	Investment Balance (USD)	Cash Funds	Bond Funds	Equity & Other Funds
Lump Sum Investment	Sales Charge	≥ 1,000,000	0.00%	0.30%	0.60%
		500,000 – <1,000,000		0.45%	0.90%
		250,000 – <500,000		0.60%	1.20%
		100,000 – <250,000		0.75%	1.50%
		50,000 – <100,000		1.05%	2.10%
		<50,000		1.50%	3.00%
	Switching Fee	≥ 1,000,000		0.10%	-
		500,000 – <1,000,000		0.15%	-
		250,000 – <500,000		0.20%	-
		100,000 – <250,000		0.25%	-
		50,000 – <100,000		0.35%	-
		<50,000		0.50%	-
Monthly Investment Plan	Sales Charge	<HK$20,000/month	1.00%	-	-
Monthly Investment Plan	Sales Charge	≥HK$20,000/month	0.00%	-	-

Trading Platform

Trading Platform	Supported	Available Devices	Suitable for
Fidelity Online	✔	Web (PC, Mac)	Long-term investors managing portfolios online
Fidelity Mobile App	✔	iOS, Android	Investors needing on-the-go portfolio access

Deposit and Withdrawal

Fidelity does not charge any additional fees for standard deposit or withdrawal methods. However, bank or intermediary charges may apply depending on the method used. The minimum deposit is HK$1,000 per fund per month for Monthly Investment Plans; no specific minimum is stated for lump sum investments.

Payment Method	Minimum Amount	Fees	Processing Time
Telegraphic Transfer	/	Bank/intermediary fees	Upon receipt of cleared funds
HSBC Bill Payment (Internet Banking)	/	❌ (except agent fees)	Immediate
Bank Draft / Cashier Order	/	Agent bank charges
HSBC / Hang Seng Same-Day Direct Debit	/	❌ (insufficient funds may incur bank fees)
Personal Cheque (HK cleared)	HK$1,000,000 or less	❌
Personal Cheque (non-HK cleared)	/	Collection charges may apply	After clearance