• Skip to primary navigation
  • Skip to main content
  • Skip to primary sidebar
GO TO EXPAT LIVING SINGAPORE
GET OUR NEWSLETTER

Expat Living Hong Kong HomepageExpat Living Hong Kong

Moving to Hong Kong and not sure where to start? Expat Living is the essential lifestyle guide to living in Hong Kong.

Menu
  • Living In Hong Kong
      • Living Here
      • Where To Live
      • Schools
      • For Guys
        • Traditional festivals in Hong Kong - Dragon Boat FestivalTraditional Festivals & Events in HK
        • Junk boat rental and catering companies in Hong Kong - Charter JunksA guide to junk companies & caterers
        • 5 Reasons to Use a VPN in HK
        • South Lantau - moving to Hong KongGuide to Pui O Village, South Lantau
      • View all
    Close
  • Things To Do
      • Things To Do
      • What’s On/Calendar
      • Competitions & Offers
        • Public swimming pools in Hong Kong - Tung ChungBest public pools for families
        • Traditional festivals in Hong Kong - Dragon Boat FestivalTraditional Festivals & Events in HK
        • Top beaches in Hong Kong - Stanley BeachTop 35 Best Things To Do In Hong Kong This Weekend
        • What to watch this month – Netflix & more!
      • View all
    Close
  • Kids
      • Activities & Things To Do
      • Education & Enrichment
      • Health & Wellness
      • Mums & Babies
      • Podcasts
        • Public swimming pools in Hong Kong - Tung ChungBest public pools for families
        • image of family for story on advice for expat parents raising third culture kidsAdvice for expat parents
        • Filling the learning gap in the COVID recovery
        • Cambridge education at CDNIS - Students on the summer learning programmeGet a Taste of a Cambridge Education in HK!
      • View all
    Close
  • Homes
      • Home Décor
      • Readers Homes
        • Stanley Home - outside area with ocean viewSee inside this stylish Stanley home
        • Children's books author Bhakti Mathur in hr home on the Peak Hong KongA writer’s retreat on The Peak
        • Asian furniture and home décor - Altfield swirl vases7 must-have Asian classic pieces
        • Causeway Bay apartment home makeover - Christina Standaloft and partnerSpace-savvy Causeway Bay home makeover
      • View all
    Close
  • Travel
      • Short Breaks
      • Further Afield
      • Travel News & Offers
        • Junk boat rental and catering companies in Hong Kong - Charter JunksA guide to junk companies & caterers
        • South Lantau - moving to Hong KongGuide to Pui O Village, South Lantau
        • Mount KinabuluClimbing Mount Kinabalu in Sabah
        • Top beaches in Hong Kong - Stanley BeachTop beaches in Hong Kong
      • View all
    Close
  • Wine & Dine
      • Recipes & Groceries
      • Bars & Restaurants
        • Middle Eastern restaurants in Hong Kong -Maison LibanaiseTaste Test: Middle Eastern Eats
        • Harbourside Grill5 Dining discoveries in Hong Kong
        • Salted Vanilla Caramel Ice Cream Balls Recipe
        • Baan Thai restaurant in Hong Kong, Thai foodTaste Test: Thai food in Hong Kong
      • View all
    Close
  • Style & Beauty
      • Fashion
      • Hair & Beauty
        • Skincare anti-ageing products, overnight creams, face and eye serumsTried and Tested: Anti-ageing Products 
        • Best foundationsFab foundations for hot climates
        • Tried and Tested: Lip glosses and lip liners
        • Teenager having a facialWhen is it time for your first facial?
      • View all
    Close
  • Health & Fitness
      • Medical & Dental
      • Fitness
      • Wellness
        • The benefits of exercise for breast cancer
        • Menstrual cupsHave you considered a menstrual cup?
        • 6 stages of life where family medicine matters
        • pregnancy - for web article on common problems in pregnancy and how to relieve symptoms10 common problems in pregnancy & how to help
      • View all
    Close
  • Shop
      • Magazine
      • Advertise With Us
        • March-May2022
        • March-May2022
        • March-May 2022 Issue – $36 (Free Shipping)
        • SALE! ONE-YEAR SUBSCRIPTION PRINT & DIGITAL BUNDLE – $128 (USUAL $192.00)
      • View all
    Close

Making your money work harder

25 September, 2017 by Expat Living 2 Min Read

https://expatliving.hk/advice-investments-h-capital/

With more than two decades of experience advising expats in Hong Kong, David Bojan, managing director of H Capital, is well placed to advise on investments.

H Capital can help manage your investments
H Capital can help manage your investments

Tell us a little bit about yourself and your firm.

I moved from the United Kingdom to Hong Kong in 1993 to join a Jardine Group Company, and then in 1997 formed Horwath Financial Services in partnership with the HK office of global accounting group, Horwath International. In 2007, Horwath Financial Services was acquired by a large Australian financial services group and following an internal restructure of that group in 2011 I had the opportunity to complete a management buyout with my business partner at the time, Charles Dickson, a Chartered Accountant and very long-term Hong Kong resident. Unfortunately, Charles suffered a stroke a few years ago and retired from the business. During the past few years, I’ve restructured the company and rebranded as H Capital. H Capital consists of a small number of like-minded, experienced individuals all of whom have been working in the industry (and Hong Kong) for several years – including a highly respected and award-winning financial planner. Collectively, we provide a wide range of financial services on a fee basis and primarily devote most of our time to managing investment portfolios for (mostly individual) clients.

What are insurance-linked investment plans and how common are they in Hong Kong?

Insurance Linked Investment Plans, known generically as ILAS, are very common indeed. The main objective is to facilitate investments into underlying investment funds either with a one-off lump sum or regular (usually monthly) contributions. At H Capital, we don’t necessarily advocate the use of ILAS these days, but we can certainly help people who have existing ILAS plans.

What are some of the issues you encounter with these types of plans when clients come to see you?

Over the years, ILAS costs have gradually declined and most plans have become more flexible, but in the old days many ILAS plans were expensive and loaded in favour of commission-based sales. Unfortunately, this encouraged a sales culture with very little, if any, ongoing advice in relation to the choice of underlying investment funds. While charges are an issue, the main issue is to have investments in the right place at the right time. There are many, many people in Hong Kong (and Asia) who have an ILAS or two, which may have performed poorly. The solution to making this money work harder, as mentioned earlier, is to ensure the money is invested in a suitable range of funds commensurate with the individual’s risk preference and of course with due regard to personal objectives and market timing. That’s where H Capital steps in – with appropriate initial and ongoing advice provided in a transparent, feebased (no commissions) manner.

H Capital

Two Exchange Square, 5, 7 & 8/F, Connaught Road, Central

hfs.com.hk

This article first appeared in the Aug/Sep 2017 edition of Expat Living magazine. Subscribe now so you never miss an issue.

Check out 10 of the best museums in Hong Kong!

Categories: Living Here Living In Hong Kong Tags: Financial Advisor H Capital Investments Personal Finance

Get the latest events, stories and special offers
sent to your inbox.

By signing up, you'll receive our bimonthly newsletters and offers, which you can unsubscribe to anytime.

You May Also Like

Considering moving to Singapore for your next expat post?

The benefits of being a school leader

Stamford international school in Singapore

An introduction to international schools in Singapore

Primary Sidebar

  • COMPETITIONS & OFFERS
  • About
  • Advertise
  • Contact
  • Privacy
  • Subscribe

© 2022 Expat Living Hong Kong, All Rights Reserved.