How Can We Help You?
Does this describe you? A hectic pace of life, working all hours whilst you try your best to spend at least some quality time with your loved ones (otherwise, what’s it all for?). Rarely enough hours in the day, right, let alone time to organise your financial affairs? Feeling guilty, perhaps, that if anything happened to you – perish the thought – your family would have no idea what to do, where anything is, how to survive?! Sound familiar?
Need to get your CRISPY FINANCIAL DUCKS in a row?
That’s what we do – we help time poor clients organise their financial affairs, whether that involves tax, wills & trusts, guardianship to protect your children, pensions, life and & medical cover, and investing your money wisely so you can achieve and maintain the lifestyle that you want.
Maybe you’ve already taken some steps in that direction
But - HAVE YOU OUTGROWN BASIC FINANCIAL ADVICE?
It’s easy to get trapped by a situation that seems ‘good enough’ and with all the inevitable noise in your life become distracted and allow your finances to drift off course. Without realising, many are stuck in the shallows of ‘basic financial advice’ where banks, brokers, insurers and advisers vend products to enhance their own bottom line, not yours. Many successful people and their families are in the dark about what true financial life management is, how it can help, and how it should make you feel.
As your financial life manager, H Capital serves as your family’s thought partner, trusted advocate, and executive team. You’ll receive wise counsel and sage guidance from us – the same advice as our own family office members since we’re legally and ethically bound to always act in your best interests.
So, unless you have time on your hands, the inclination to monitor stock markets regularly, and the ability to make investment decisions devoid of emotion, why not leave that to us so you are free to focus on what's really important to you.
Life is a lottery. We don't know with certainty what’s around the corner. What is certain is that your health and your life should not be taken for granted! Time is precious - don't waste it away - reach out to us and we will help organise your financial affairs so you can relax in the knowledge your loved ones will be well looked after long after you have gone.
If you would like to explore the possibility of working with us, and find out more about how we have helped others over the past 30 years lets talk. To arrange a free-of-charge Discovery Meeting contact us now.
Why Work With Us?
We are Fiduciaries, which means we have a legal, ethical and moral duty to put our clients’ best interests first.
That's different from Financial Advisers, Wealth Managers, Insurance Agents and even Private Bankers who are not held to the same high standards and, at worst, push complex products to earn commissions, satisfy quotas and achieve sales targets!
Our Existing Clients
We work with a variety of clients, including Entrepreneurs, Accountants, Lawyers, Doctors, also Teachers, Pilots and Vets both young and old!
Many of our clients have been looked after by us for more than 20 years and some, of course, have become close family friends.
"David was thorough in establishing my personal situation and medium to long-term plans and subsequently formulated a portfolio that has, to date, been very productive."
Dr. Christopher Riggs,
Head of Veterinary Clinical Services at Hong Kong Jockey Club
"I am pleased with the service provided, which has been friendly and professional. I did not feel that I was being sold a particular 'product', which is an issue that I had been warned about in Hong Kong."
Nick Luxton
"With David's input and guidance, my portfolio has grown considerably over the past 5 years despite a very tumultuous few years of economic recession, trade wars and a worldwide pandemic."
Cornel Marais,
Secondary School Curriculum & MYP Coordinator at Beijing City International School
"David Bojan has handled our Hong Kong Orso fund for the past 4 years with care and competence, resulting in a flexible and productive diverse portfolio.
Following a bout of ill-health two years ago, I was able to relax knowing that David was continuing to construct and adapt a portfolio which has weathered well the financial disruption in recent times."
Terrence Duggan
"I met David Bojan a few years ago and was struck by his open and friendly manner. When dealing with my finances, his confidence and years of experience put me at ease.
He is able to explain things clearly in a way that I can understand, allowing me to relax knowing that my finances are in good hands. I am regularly informed on how things are progressing and given clear, timely advice when I need to make decisions.
I trust David and his team at H Capital and would gladly recommend you do the same."
Wesley Jones
"In David Bojan and his team, I have found an advisor who initially spent time discovering my goals, the level of risk-taking that was comfortable for me and my family; and our short and longer-term needs. I have known David Bojan and his group for more than eight years and have been very satisfied with his management of the portfolio under his control. He has achieved very good results while maintaining diversity of investments within a low-risk framework commensurate with my advancing age.
David's professional approach, and my experiences with it, gives me the confidence to recommend him and his team to potential clients."
Keith C Hawkin
"David Bojan came highly recommended when we wanted financial advice in Hong Kong.
He helped us set up and has managed our investment fund for the past six years. His care, competence and experience have resulted in positive returns and the growth of our fund. We have no hesitation in recommending David as a highly competent financial professional."
Moira & Tim Conroy-Stocker
About H Capital
HFS Asset Management Ltd, which adopts the trading style H Capital, is licensed by the Securities and Futures Commission ("SFC") to Advise on Securities (a Type 4 License) and manage investment portfolios on a discretionary basis (a Type 9 License).
H Capital is also licensed by the Mandatory Provident Funds Authority (MPFA) in Hong Kong, which means we can establish company MPF schemes, and advise you (if applicable) as an individual member on your MPF account, including advice on what funds to choose and when.
As a Fiduciary, we have your best interests at heart. Actually, H Capital was the first firm in Hong Kong to offer fee-based investment advice, as opposed to the more traditional commission-based approach.
Not All Advisors Are Equal
The financial services industry can be confusing. It is not uncommon to see Independent Financial Adviser (IFA) Firms offer investment advice on their websites, and in their marketing materials, but many of those Firms are not SFC Licensed. Many of those same firms also purport to offer tax advice, although they are not actually qualified to do so.
So - why do they do that and how do they get away with it? Well, they're just trying to grab your attention and then - let's pull no punches here - try to sell you a product that you really don't need or want. Most exploit a grey area where they are, for example, licensed by the Insurance Authority but not the SFC, so you end up with an insurance product or at best some sort of delegated investment manager after the Firm has added on their fee.
As a Fiduciary, H Capital legally and morally has your best interests at heart. We only work on a fee-basis - our fees are disclosed and we don't earn commissions - as opposed to most Private Banks, for instance, who (letting the cat out of the bag here) typically derive revenue from several layers of charges including management fees, transaction charges, custody, safe-keeping, foreign exchange, bid-offer spreads, valuation fees and so on. Don't be fooled!
H Capital manages investment portfolios on a percentage fee basis, which means our fee rises and falls directly in line with the value of your portfolio – so we are very much on the same page as you and clearly are incentivized to grow your portfolio.
Read our client testimonials and stories to learn how we have helped other people in the same situation as you.
Our Services
30 years of invaluable experience.
H Capital has a proven track record of providing the highest quality investment and technical financial planning advice to personal, corporate and trust clients delivered in a friendly and personalised manner.
Services include Financial Planning, Pensions / Retirement Planning, Tax, Trusts & Wills. Plus, access to our time-tested Discretionary Investment Management Service.
Investment Advice & Portfolio Management
Almost every investment involves risk in one form or another. The key to successful investing is to identify and control all the risks that apply.
Cash deposits at a bank, regarded as safe, are subject to ‘credit risk', and exposed to the possibility that inflation might exceed any interest earned, resulting in a negative real rate of return (i.e. the inflation rate is more than the interest rate).
Real estate, favoured by many, is subject to ‘liquidity risk’ i.e. you may not be able to sell real estate at the desired price when you want to sell.
Stocks, shares and bonds, including unit trusts, mutual funds, investment trusts and ETF’s, are subject to volatility which is often difficult to predict.
Most actively managed investment funds underperform their benchmark index which calls into question the costs involved. However, around 25% of all funds outperform, consistently, so it is those funds that we seek out and include within client portfolios.
Passive funds and ETFs are very low cost, in comparison, but cost alone is not assurance of a superior net return.
Avoid the temptation to follow the latest fad or tip, jumping into some get-rich-quick scheme that seems too good to be true (if it seems too good to be true, it probably is too good to be true!).
We will guide you through the whole process using our time-tested approach so you can focus on what really matters to you, whilst we concentrate on getting you better results.
Retirement Planning
Whether retirement is years away or just around the corner, it's smart to start planning now. After all, the decisions you make today will determine your lifestyle and standard of living when you retire.
Questions we're asked all the time:
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Will I have enough?
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How much is enough?
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How much do I need to save now, to provide for retirement?
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What will happen to my spouse/children if I die prematurely?
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How much can I draw from my retirement portfolio without eating into the capital?
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What about tax – in the UK, income, capital gains and inheritance tax?
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What about care home fees? How can I safeguard my assets for my beneficiaries?
Contact us now to discuss your retirement planning needs. You can’t turn the clock back. "Fail to plan, plan to fail!"
Second Opinion
Are you concerned about taking the wrong decisions? Perhaps you are about to make an investment, but you are not certain it's right for you, or you don't fully understand the risks involved? Is your current investment portfolio underperforming? Are you concerned about hidden fees and charges?
Why risk making a potentially costly and at worst disastrous mistake? For a one-off fee, we will carefully examine the subject matter and provide you with a written report, an unbiased second opinion that will at the very least set your mind at rest and could save money and heartache in the future.
Insure Your Life, Your Health & Your Business
Death and disability are risks that should not be ignored. Life assurance, critical illness and medical insurance will protect you, your family, and if applicable, your company (key-person insurance), from the inevitable financial impact. Unless you already have sufficient accumulated capital to carry you and your family through, you must address these risks.
Don't forget, wills, including the appointment of a guardian to protect your minor children, and depending on your circumstances consider the use of trusts to protect your assets.
Our Fees
We believe in full transparency when it comes to fees and charges. Indeed, as Fiduciaries we have a legal and moral obligation to put your best interests first. Of course, it's important we get to know one another better before any formalities are completed - so there is no question of any fees or charges until we mutually agree to move forward.
All potential clients, therefore, are invited to take advantage of a free-of-charge Discovery Meeting.
Who Our Services Are Suitable For
We look after a diverse range of clients including wealthy entrepreneurs, members of the legal profession, accountants, also teachers, vets and pilots. Our core services are best suited for clients with a minimum of US$500,000 investible assets, but we also serve clients with US$10,000,000 or more who benefit from our unique Concierge Service.
At H Capital it's not just about money, it's about positive and respectful relationships, so if you would like to explore the possibility of working with us we would love to hear from you.
Discovery meeting:
Free of charge, no hidden costs, no obligation.
Hourly fees:
HK$3,000-HK$6,000 per hour
Investment Account establishment:
From 0% to 3% of the sum invested
Investment Management fee:
From 0.2% up to 1.5% p.a.
Review of your Insurance Linked investment policies.
For example Utmost, FPI, Generali.
HK$3,000 per policy
Provident Fund & CX Pfund Health Check
1.5%
Discovery meeting:
Free of charge, no hidden costs, no obligation.
Hourly fees:
HK$3,000-HK$6,000 per hour
Investment Account establishment:
From 0% to 3% of the sum invested
Investment Management fee:
From 0.2% up to 1.5% p.a.
Review of your Insurance Linked investment policies. For example Utmost, FPI, Generali.
HK$3,000 per policy
Provident Fund Health Check and fund selection advice (including CX PFund)
1.5%