Special Offer: End in 10th June, 2012 (Sunday) HK time

Dear Investors,

The trouble of Europe has extended to result in more fear on the market, as Warren Buffett said, "Be Fearful When Others Are Greedy and Greedy When Others Are Fearful" is the fundamental winning formula in investment, thus i suggest if you have no time to invest and want to get a grip of the investment do subscribe to this fund, the following are the major benefit of my fund.

1. MEHCalvin Fund is an open-fund, which means investors can subscribe and withdraw your money anytime you want, however in special occasion esp. huge market drops like now, I will send out invitation like the last one to remind investors the chance, of course i normally accept subscription as well, however frankly speaking you won't get much when it is "peaceful" on the market, if you want to get the best out of your capital, you must buy when the market is "shocking".

2. MECHCalvin Fund is also a no-load fund, which means 1. no commission, 2. no front charge and 3. no 12b-1 charge. Neglect my job as a salesman, i hate both commission and all charges on fund, as you can see how much the fee affect your returns as shown in the pictures below.

like many great fund managers in the past, i believe the fund's performance should already speak for itself, salesmen are not required, however i support consultant fee, which should be paid to those adviser who give good advise to investors, yet this expense should not be included within the fund.

3. MECHCalvin probably the first fund do not charge management fee, performance fee as well, also the entry fee is as low as HK$1, as no-load fund do have management fee, MECHCalvin Fund should be the first fund that is completely free. Of course there are spending for this fund, e.g. bank charges for sell/buy stock, yet it will be too insignificant will not affect the performance at all.

4. However, MECHCalvin do charge 1% withdraw fee when you withdraw your money, it is an act to encourage people stay here for long term investment, which also is the key to earn from fund investment, those people want to switch between funds 30 times a year usually gain nothing, the only way for you to gain from investment is to put your money into those will have long term growth, then do nothing but wait for it to growth.

Within this special offer period, this 1% withdraw fee will be waived for any subscription is made between now and the 10th of June.

This is an replied for those who constantly worry this will affect my business, as Warren said: "As a businessman have made me a better investors, and as an investor have made me become a better businessman." they help each other rather than conflict with each other.

There are also concern about the possible conflict of interest between my job working in Manulife who offer mutual funds, my answers is: my job title is an insurance adviser, my trust in Manulife is always place in insurance and retirement planning rather than their funds, Manulife is an insurance company after all, in fact all my clients know my view on Manulife's mutual funds, that they are never the strength of this company. My association with Manulife's fund usually are from MPF and monthly investment plan, which we have able to offer extremely good platforms rather than extremely good funds.

i hope by the end of the 10th of June, i will able to collect at least HK$100,000 to get ready, so far i have roughly ~HK$25,000 waiting to be collected up-to-date.

The current unit price (up-to-April) is 1.1454, for example if you invest HK$10, you will get 10/1.1454 = 8.7305 unit.

please contact me for details if you want to invest into this fund

best wishes,

Calvin

p.s. what is 12b-1 charge?: An extra fee charged by some mutual funds to cover promotion, distributions, marketing expenses, and sometimes commissions to brokers, differ from management fee or front charge