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How do I withdraw from my MPF

In part 2 of our mini-series of your MPF, we look at what you could do when it comes to withdrawing from your MPF. If you aren’t at the stage of withdrawing from your MPF, have a read part…

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Why is my MPF Performing Badly

What is MPF? The Mandatory Provident Fund in Hong Kong is a mandatory savings scheme for the people in Hong Kong to build up their retirement savings. With the rapid ageing population in Hong Kong, by 2034 it’s estimated that…

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Understanding Tax Residency: A Guide for British Expats in Hong Kong

Navigating tax residency is a complex but essential aspect of life for British expats in Hong Kong. Whether you’re planning a long-term stay or considering eventual repatriation, understanding your tax obligations in both jurisdictions can save you from financial pitfalls.

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2025 – The Dual Lens of Time

It can be difficult emotionally to be an investor. We feel uneasy if we have a poor year (such as 2022), and even after a few successful years (2023 and 2024), we can still be concerned that some of the…

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IPOs Explained: Understanding the Path to Going Public

What is an IPO and how it works An Initial Public Offering, or IPO, is the process through which a private company becomes a publicly traded entity by offering its shares to the general public for the first time. It…

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Diversification within the USA

As the year comes to an end, 2024 has undoubtedly been an election year. Voters in 64 countries were expected to turn out in greater numbers than ever before this year to choose their nations’ future leaders. As a major…

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Why a 1% advisor fee may be worth it

Many people ask us: Is working with a financial advisor REALLY worth the fee? It’s a valid question. No one likes the idea of paying fees unless they fully understand, the benefits and these can be extremely difficult to comprehend…

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Paying Attention: The High Cost of Investment Fees

  There is no doubt that fees will have a significant impact on your investment return over the long term. Before opening an investment account with or without a fiduciary financial advisor, make sure you are aware of the potential…

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Mastering Your Finance: A Guide to Budgeting and Investing

  In the world of personal finance, budgeting and investing go hand in hand. While budgeting helps you manage your finances day to day, investing is crucial for building long-term wealth. One common question that many people have is,  …

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Understanding Herd Behaviour in Financial Planning

Rudolph was taunted by the reindeers, who were behaving cruelly in accordance with herd behaviour. But who can blame them? Herd behaviour plays a significant role in shaping subconscious decisions made by individuals and institutions alike. This phenomenon tends to…

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Risk Versus Reward

What is risk and volatility? There are risks associated with any investment. Risk is associated with returns, which implies that investments with the highest return potential also typically have the highest risk of loss. Additionally, safe investments usually yield lower…

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The Anchoring Bias – Sailing Smoothly

What is anchoring? It is common for people to place a disproportionate amount of weight on the first piece of information they are given regarding an event, subject, or choice. This is referred to as anchoring. Are you a person…

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