A Product Recommendation Letter is a crucial document in Hong Kong's financial advisory landscape, used when licensed financial institutions or advisors make specific investment product recommendations to clients. It serves as both a regulatory requirement and a professional communication tool, documenting the advisor's analysis and recommendations while ensuring compliance with Hong Kong's Securities and Futures Commission (SFC) regulations. The letter must demonstrate thorough consideration of the client's investment objectives, risk tolerance, and financial situation, while providing clear disclosures about product features, risks, and costs. This document is particularly important in the context of Hong Kong's robust financial services regulatory framework, where suitable product recommendations and proper documentation are essential for both regulatory compliance and client protection.
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1. Letter Header and Date: Includes firm letterhead, date, and reference number
2. Client Information: Full name and address of the client
3. Subject Line: Clear identification of the document as a Product Recommendation
4. Client Profile Summary: Brief overview of client's investment objectives, risk tolerance, and relevant circumstances
5. Product Recommendation: Clear statement of the recommended product(s) and key features
6. Rationale for Recommendation: Detailed explanation of why the product is suitable for the client
7. Risk Disclosure: Comprehensive outline of product risks and potential downsides
8. Costs and Fees: Transparent disclosure of all associated costs and fees
9. Disclaimer: Standard regulatory disclaimers and limitations of the recommendation
10. Next Steps: Clear instructions on how to proceed if interested in the recommendation
11. Signature Block: Signature of authorized representative and firm details
1. Market Analysis: Include when recommendation is based on specific market conditions or trends
2. Alternative Products Considered: Include when multiple products were evaluated to demonstrate thorough analysis
3. Tax Considerations: Include when tax implications are significant for the recommended product
4. Portfolio Impact Analysis: Include when recommendation affects existing portfolio composition
5. Conflict of Interest Disclosure: Include when there are potential conflicts to disclose
6. Previous Advice Reference: Include when recommendation relates to previous advisory communications
1. Product Term Sheet: Detailed specifications and terms of the recommended product
2. Risk Rating Assessment: Documentation of product risk rating and assessment methodology
3. Client Risk Profile: Detailed client risk assessment results and investment profile
4. Fee Schedule: Comprehensive breakdown of all fees and charges
5. Product Comparison Analysis: Comparative analysis with similar products if applicable
6. Regulatory Disclosures: Required SFC and other regulatory disclaimers and disclosures
Relevant legal definitions
Advisory Agreement
Authorized Representative
Client
Client Risk Profile
Execution Date
Financial Product
Investment Horizon
Investment Objectives
Investment Strategy
Investment Risk
Licensed Representative
Market Risk
Product Issuer
Product Terms
Professional Investor
Recommendation
Regulatory Requirements
Risk Rating
Risk Tolerance
SFC
Suitability Assessment
Target Market
Transaction Costs
Underlying Assets
Authorized Representative
Client
Client Risk Profile
Execution Date
Financial Product
Investment Horizon
Investment Objectives
Investment Strategy
Investment Risk
Licensed Representative
Market Risk
Product Issuer
Product Terms
Professional Investor
Recommendation
Regulatory Requirements
Risk Rating
Risk Tolerance
SFC
Suitability Assessment
Target Market
Transaction Costs
Underlying Assets
Clauses
Client Profiling
Product Description
Suitability Assessment
Risk Disclosure
Fee Disclosure
Conflicts of Interest
Investment Objectives
Recommendation Rationale
Disclaimer
Confidentiality
Regulatory Compliance
Limitation of Liability
Product Terms
Next Steps
Client Acknowledgment
Data Privacy
Professional Qualification
Market Risk Warning
Investment Horizon
Portfolio Impact
Product Description
Suitability Assessment
Risk Disclosure
Fee Disclosure
Conflicts of Interest
Investment Objectives
Recommendation Rationale
Disclaimer
Confidentiality
Regulatory Compliance
Limitation of Liability
Product Terms
Next Steps
Client Acknowledgment
Data Privacy
Professional Qualification
Market Risk Warning
Investment Horizon
Portfolio Impact
Relevant Industries
Financial Services
Wealth Management
Private Banking
Asset Management
Investment Advisory
Securities Trading
Insurance
Corporate Banking
Retail Banking
Family Office Services
Relevant Teams
Wealth Management
Private Banking
Investment Advisory
Product Development
Compliance
Legal
Risk Management
Investment Research
Client Relations
Portfolio Management
Relevant Roles
Financial Advisor
Investment Consultant
Wealth Manager
Relationship Manager
Private Banker
Investment Specialist
Portfolio Manager
Product Specialist
Compliance Officer
Legal Counsel
Risk Manager
Investment Analyst
Senior Financial Planner
Client Advisory Director
Investment Advisory Manager
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