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Finance and Investment Planning

Manage your wealth by using different financial tools according to your needs at different stages in life; investing is an important part of financial planning. Investing returns to offset inflation can help you gain from your investment. Use a diversified portfolio of investment products to grow your wealth in the right economic environment. Once you have accumulated your wealth, you can rest assured that you will be able to achieve your personal goals and enjoy the perfect life you want.

1. Evaluate your financial situation and develop a budget plan

By assessing your personal financial situation, you can then set a direction and budget based on your situation. With a clear picture of your current financial situation, you can know where to start. You need to know your net worth, including a clear picture of your salary, bank savings, investments such as stocks or funds, and your debts such as mortgage, car loans and outstanding debts.

2) Set a budget and understand your risk tolerance.

List out your cash flow according to your financial status (e.g. income: salary, pension, benefits and expenses: mortgage repayment, personal loan, cash advance, etc.) to manage your expenses and savings.

As for your personal wealth record, list out all your daily expenses, including home, transportation, food and beverage, leisure, shopping, education, taxes, etc., so that you can set your personal budget effectively.

3. understand your risk tolerance and execute a basic financial plan

Risk is a potential threat that could affect the expected investment outcome. Investments with a higher potential for return often carry a higher risk. What kind of risk taker are you? In assessing your personal risk tolerance, you need to consider.

Your financial goals and timeline
Your personal situation
Are you comfortable with the loss of your funds?

Risk can be divided into five categories. Which of the category descriptions best fits your situation?

  • Conservative
  • Moderate Caution
  • Balanced
  • Moderately aggressive
  • Aggressive

4. implementing a basic financial plan

Once you have your basic financial plan in place, you can implement the right financial plan.

It’s a good idea to maintain a diversified portfolio. Diversification is the best way to mitigate risk. Diversification is the best way to mitigate risk. You should also review your investment portfolio regularly and make adjustments according to the latest situation to ensure diversification and to make the best financial decisions for the market and your personal situation.

Your Dream. Our Mission.

Four Steps to Financial Planning

Planning based on your current situation is an important part of financial planning. Choose the right financial plan for you and review it from time to time to ensure that it meets your needs and financial goals. By following these four steps, you can create an effective financial plan.

Types of Investment tools in Hong Kong

Get to know and choose the most suitable financial tools

What should you do with the wide range of investment tools available in the market? There is a wide range of investment products and methods, from general financial investment products to derivative financial investment products. How to find the most suitable investment method and combination for your personal situation is the most important part. After all, everyone has a different level of “risk tolerance,” and there is a big difference in risk tolerance, return on investment, and stress between a freshman and a employee who has already been working for 10 years.

The following is a list of various types of investments, large and small, from the Lazy Susan, comparing and analyzing the risk and profitability of each to help you find the most suitable investment for you.

Short term stocks and futures
Short term stocks and futures refers to the investment method of investing in stocks or futures listed in China and abroad and earning profit from the difference in price in a "short term" manner. The advantage of investing in short term stocks and futures is that you may earn a high return in a short period of time, but it takes time to observe and research, which requires a lot of time and cost to observe the market and study the market. In addition, short term investments are depends on the market volatility and require a higher degree of risk and skill. Investment Risk: ★★★★☆ Potential Profit: ★★★★★
Long-term stocks and funds
Long-term stocks and funds are similar to the concept of savings, and it takes time to study the nature of investment, but unlike short-term investments, they are not designed to earn the price differences. This investment model is suitable for people who don't have a lot of money, or who are busy at work and don't have a lot of time to study the market, but only occasionally pay attention to market price fluctuations. Investment Risk: ★★☆☆☆ Potential Profit: ★★★☆☆

Gold Investment

Some elder people choose to invest more in gold. If the stock market suddenly falls, the price of precious gold usually rises for risk aversion. If the stock market goes up, the price of gold will go down. Investment Risk: ★☆☆☆☆ Potential Profit: ★★☆☆☆

Real Estate Investment (Property Investment)

Property investment is a very popular form of real estate investment, except for domestic and overseas residential and commercial premises, any land and agricultural land. Real estate investment usually requires higher capital and is more suitable for people who have been working for many years. Investment Risk: ★★★☆☆ Potential Profit: ★★★★★

Foreign Exchange Investment

The potential gains from foreign exchange investments are usually relatively low and therefore the risk is not high. Foreign currencies usually have a higher.If you have a constant need for foreign currency, for example, to emigrate, to travel a lot, or to work overseas, this is the way to go. Investment Risk: ★☆☆☆☆ Potential profit: ★☆☆☆☆

How to Invest | Investment Management | Getting Started with Investment Management

Free Financial Consulting and Investment Planning

Planning for your wealth

Financial planning is the process of planning, implementing and reviewing life goals through proper financial management. By providing professional, relevant and reliable advice on your clients’ financial planning needs, you will stand out from other financial planners. Financial planners are certified  requirements in the three areas of skills, ethics and financial planning practice.

How can I start to Invest Frequently Asked Questions

Finance and Investment Planning Frequently Asked Questions

If you don’t know anything about investment, there is no reason to blindly follow the choices of others. Personal circumstances are the most important factor to consider when choosing a fund. Even members of the same family may have their own circumstances and situations to consider, and the right retirement investment can reflect the needs of each individual.

There are different types of savings insurance available in the market, so if you want to find the most suitable product for you, you need to think about your goals first. Do you want to earn a stable return in a short period of time, or do you want to invest for the long term? For earning a steady return for a short period of time in a more conservative and stable direction, a savings life insurance with a similar fixed deposit is a good option.

  • For investment purposes, you can choose savings insurance, guaranteed income life insurance, annuity plans, universal life insurance, etc.
  • For some low risk tools, you can opt for life insurance, critical illness insurance, etc.

Everyone’s priorities are different. You should decide what you need at that stage of your life.

Factors you can consider include:

  • Age
  • Health condition
  • Household burdenLong-term or short-term financial goals.

Basic health and life protection is something no one should ignore. For example, voluntary health insurance and cancer insurance. Serious illness is unpredictable and you should take out voluntary health insurance and cancer insurance because the medical cost of cancer is often very expensive. This will prevent you or your family from spending a lot of money in case of emergency.

If you are not familiar with the investment market and would like a third party to help you invest, you can choose to buy savings insurance from an insurance company. The insurance company will invest your principal in a specified portfolio of assets to grow. At the end of the policy term, the insured will get back the value of the policy, which is the guaranteed return and dividends as your total return.

However, in terms of the transparency of the investment, the insurance company will reduce the transparency of the investment process, such as the investment strategy used by the insurance company, the asset mix, the actual value of the investment, and how much it will pay back to you.

If you want to earn a stable return in the short term, you may want to consider some tools which similar with time deposit, usually with a policy term of less than 15 years. This product is a more conservative and stable product that will roll over the guaranteed cash over time, allowing you to earn maturity benefits at the end of the policy term.

For immediate cash flow in the short term, you may want to consider a life insurance plan with guaranteed income, which is similar to bonds.

If you want to prepare for your retirement, you can choose life insurance plans and annuity plans with guaranteed income. These plans also pay out money regularly after you retire, ensuring that you have enough money saved every month for your retirement.

 The liquidity of saving insurance is a relatively low. If the insured needs to use and withdraw the premium during the policy term but does not want to incur a loss, he/she has to wait until the end of the guaranteed payback period. The payback period varies from policyholder to policyholder and may be 5, 10 or 20 years.

If the policy is surrendered before the end of the guaranteed return period, the insured will not get any return and will lose part of the premium. Therefore, before taking out savings insurance, you should consider whether you have sufficient liquidity to cope with unexpected events and try not to surrender the policy before the guaranteed return period.

An insurance company’s historical dividend rate is a reference indicator used to measure the credit risk of the insurance company. The historical dividend payout rate measures the historical dividend promised by the insurance company, such as whether the dividend is paid out as expected.

As non-guaranteed returns are usually linked to investments such as equities and bonds in a plan, historical dividend realization rates of major insurance companies can be used as a reference to measure the realization of non-guaranteed returns.

Normally, you have accumulated a certain amount of wealth before retirement that you can use to protect your family or inherit from your children. In effect, your need for life insurance decreases. So, you can set the period of your life insurance at retirement age and reduce the amount of coverage as you age.

Apart from this time, you can transfer your wealth to other investment products, such as Hong Kong annuities or qualified deferred annuity policies, to enjoy the tax benefits.

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