Bright Smart Securities is now providing a one shop service called “Installments Margin Scheme” to all our valuable customers. Under this new scheme, customers should purchase stocks at a targeted price and in the payment of which by installments. Investors who wish to take part in this plan can do so simply by opening an account with us called “Account of Installment Margin Scheme” (overseas customers included), then paying 30% of the total investment upfront as the first installment, while Bright Smart Securities will finance up to 70% to you, thus allowing you to buy-in stocks all at once at market price then paying back the balance later in a year. Furthermore, you may sell all your stocks anytime during, or after your financing period at your discretion, without requiring to sell the investment at installments. Also, the particular stock you select for this plan must be a qualifying stock that is listed under “Installment Participating Stocks”, in the case that clients have a preference to invest in non-participating stocks, you are welcome to contact us for further discussion and consideration.  

To participate in this plan, client must do the following: 

i. Choose the Stock that you wish to buy(Only accept HKD settlement products)

ii. Set the quantity of stocks for purchase (Must also deposit 30% of the total investment)

When a client wishes to participate in “Installment Margin Scheme”, you must first read and fill out the “Installments Margin Scheme” application, then reserve and deposit 30% of the total investment (Or minimum of HK $10,000) into your “Account of Installments Margin Scheme”, the remaining 70% of the investment will be financed by Bright Smart Securities. Once this step is completed, you may place your purchase order directly with one of our customer representatives via telephone. The term of finance is 1 year in 12 separate installments, monthly payment is due on the 8th of each month at 1:00pm or before. If the due date in any month falls on a public holiday, it will automatically be pushed to the preceding working day (Overdue will be charged a penalty fee on an annual interest of P+5%, and the client shall pay back immediately).

1. The trend of property prices points downward. You can start off saving by buying a pot of stocks, and home purchase when the prices cool down.
2. Offering a superb low interest rate (P = 5.625%) (Prime rate of Bank of Communications prevails).
3. Most likely the dividends received on the entire investment are enough to pay off the interest incurred on the Installments Margin Scheme.
4. All stocks belong to you in a year later.
5. The stocks may be sold at your discretion at anytime.
6. Low costs; no annual fees, storage fees, and no fees on transfer of securities from other brokerages or banks.
7. More than 80 participating stocks for you to choose.
8. Bright Smart's installment scheme is very different from the monthly stock payment plans offered by other securities firms or banks. As our company allows investors to purchase stocks all at once at a “target price”, and this prevents the increase in cost resulting from the possible rise of stock prices, while other brokerages and banks in fact only allow investors to buy stocks in batches over their planned period.