As age and background varies , scheme members have different risk tolerance levels and investment objectives . you should choose an appropriate constituent fund that suits your attitude to risk , and make changes when necessary . this will allow for more flexibility to suit your needs at the different stages of your life 由于年龄及背景不同，成员对风险的承受能力亦有别，选择合适的成份基金，适时转换投资组合，将可为成员带来更大弹性，满足不同阶段的需要。
The disease is caused by the body which is maladaptive to stimulus of stress due to the age , increased mechanical load , lack or abnormal of nutrition , disorganized secretion of the hormone and so on , which is called the maladaptive disease to stress , including osteoporoses , osteoarthritis , atherosclerosis and other difficulty in medicine 摘要由于年龄，外力增大，营养缺乏或异常，激素分泌紊乱等病因导致的机体对力学刺激适应不良而引起的疾病，称为应力适应不良性疾病，包括骨质疏松，骨关节炎，血管钙化等难点疾病。
