Established professionals

Established professionals

As a professional living in Hong Kong, you’ll want to enjoy your wealth now while planning for the future. But where to begin?

Many of the established professionals we work with are aged 35-55 and might be lawyers, bankers or business owners. They often have plenty to juggle, including growing families and demanding careers; not to mention the fact their assets, such as their pensions and properties, are often split between their home country and their current residence.

As an established professional, you’ll also be very focused on the future: retirement, possible repatriation, and achieving those lifelong goals that your successful career may have prevented you from achieving.



We’ll help you to:

  • Plan for the short and medium needs of you and your family: your children’s education, your mortgage, family holidays, weddings etc
  • Create a bespoke plan for your eventual retirement, so that you can enjoy life beyond work with confidence
  • Invest and save in a way that’s disciplined, tax-efficient and best-placed for your financial and lifestyle needs
  • Plan for every eventuality in terms of your location, including the possibility of your eventual repatriation
  • Why Private Capital?

    As an expat in Hong Kong, your financial needs and goals will present unique challenges. You need a financial professional with specific expertise.

    That’s where we come in. Unlike the service a restricted adviser or bank would provide, as an independent firm our recommendations are unrestricted and unbiased.

    Because of our international presence, regulation and reputation in Hong Kong, wider East Asia and the UK, you can be confident that we are well equipped to help you get financially organised and achieve your lifelong goals.

    With more than 100 years of combined experience, you can rest assured your financial future is in good hands.

    Tony and Helen
    Clients since 2007
  • I appreciate that Private Capital has a very deep understanding of my family.
  • read more


    We believe in being as transparent around fees as possible so we are happy to disclose our fees online.

    There is not yet a regulatory requirement in Hong Kong for independent advisers or banks to fully disclose all fees and remuneration.

    We operate a tiered charging structure to reduce the cost associated with managing larger portfolios and reflecting the efficiencies of scale.

    More information can be found on this page.

    All client assets are custodied in a segregated account with of our partner platforms/brokers. The funds used in our model portfolios are all Dublin-listed UCITS and held with the fund depository in Ireland (Euroclear).

    Private Capital never hold clients’ money. Your money is held separately and in your own name at our partner platforms/brokers via third party custodians. This means that you will always have full access and claim to your assets no matter what happens to Private Capital.

    Private Capital is a Hong Kong based Financial Planning company providing holistic Financial Planning and investment management services to Families in Hong Kong. We specialise in advising clients with a connection to the United Kingdom, whether British citizens or not, on their ongoing affairs whilst non-UK resident as well as repatriation planning.

    Private Capital is a fiduciary, fee-only, independent adviser paid solely by our clients, allowing our advice to be unaffected by conflicts of interest. Our portfolios are evidence-based and built on access to institutional-quality financial solutions at the lowest cost possible.

    Private Capital are licensed by the Securities and Futures Commission of Hong Kong.

    We believe in the power of capital markets to deliver positive long-term returns that lead to wealth accumulation. For the equities market, in particular, we believe that public markets exhibit efficient characteristics over the long term. For the individual investor, it is thus not desirable to try to forecast or outguess other market participants.

    We focus our efforts on building data-driven portfolios to get broad market exposure with a tilt towards characteristics that have been proven to capture premiums undervalued by the equities markets. We believe in creating diversified investment portfolios, which generate the highest possible expected return for every level of risk taken by an investor.

    For Private Capital, this means continuously searching the investment universe for instruments that will improve risk-return tradeoff in our portfolios. We understand that fees dramatically affect long-term returns, and endeavor to continuously lower fees for our customers by leveraging our collective scale to create cost synergies. You can learn more about our investment philosophy here.