Whether you're planning on buying a property or leaving a bigger inheritance for your children,there is always a type of investment to help achieve your goals. If you have an emergency fund ready for unexpected events, you're prepared to look at your options.
Four things to think about before investing:
Having a clear goal is the first step to determining your investment type, whether you are considering buying a new house, starting a family or saving your retirement. Your goal might be protecting your current lifestyle, buying a new car or making a big life change.
This is a good time to look at your income and determine whether it's sufficient for your goals. Can you live your ideal life with your current income? Could you support your children's education? Your current income will need to support your investments to achieve your goals.
You may have a private security program but is it flexible enough to meet your changing needs? Have you thought about how you'd manage if something happened to you or your partner? You might want to think about how investments fit into your family's protection plan.
If you're a business owner, you'll need to think about how your business links to your personal finances. It's a good idea to have a sense of where your business is going in the next 12 months. Having a clear idea of that can help you choose the right investments. The issues that need to be considered are how much you need to maintain your current lifestyle and whether you need to obtain cash quickly and conveniently.
Global experts' advice to help you capture global investment opportunities and mitigate investment risks to meet your diversified investment and wealth management needs. Our investment products include: Structured products, Dual Currency Investment and Enhanced Yield Investment, Overseas Investment Plan, and Local Unit Trust and Hong Kong Mutual Recognition of Funds.
We take into account your protection needs at various life stages to help you find out suitable insurance plans, leveraging on our ability to offer a one-stop platform for your insurance needs.
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Although the above information is carefully written, the Bank does not warrant, state or guarantee the accuracy or completeness of the above information. The above information is not and should not be regarded as an offer or purchase invitation for any financial product, nor should it be viewed as an investment proposal.