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
personalized manner. Services include Financial Planning (a Bird’s Eye View of your Financial
Affairs), Pensions/Retirement Planning – Do you Have Enough? Tax, Trusts and Wills. And of
course, access to our time-tested Discretionary Investment Management Service.
Investment Advice and Portfolio Management
Diversification and Managing Risk is the Key to Success.
According to Harry Markowitz - Nobel Prize Winner in Economics:
“To reduce risk, it is necessary to avoid a portfolio whose securities are all highly correlated with each other. One hundred securities whose returns rise or fall in near unison afford little protection than the uncertain return of a single security.”
We follow that strategy.
Retirement Planning
We cannot emphasize enough the importance of planning ahead for retirement.
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Can you afford to retire?
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How much will you need?
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How much is enough?
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What about inflation, and tax?
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What about Care Home fees?
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Should you top up UK National Insurance Contributions?
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How to manage your QROPS to generate an income?
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Contact H Capital now for answers!
Insurance
Protect yourself, your family, and your business.
Insurance is useful when you need to make a claim, and useless when you don't - save perhaps
for the peace of mind you have knowing it's there.
​It's a sad fact of life that people die or become seriously ill unexpectedly. Life assurance, critical
illness and medical insurance could provide the financial assistance needed at that time.
Our Fees
We believe in full transparency when it comes to fees and charges. As Fiduciaries, we have a legal and moral obligation to put your best interests first.
All potential clients are invited to take advantage of a free-of-charge Discovery Meeting, either virtually by Zoom, Microsoft Teams or WhatsApp, or of course (subject to availability) face-to-face. It’s important we get to know one another, so we can mutually decide whether we would like to work with one another. There's no obligation of course, and afterwards, any fees will be discussed and agreed both verbally and in writing before we proceed.
Discovery meeting:
Hourly fees:
Free-of-charge
Investment Account establishment:
HK$3,000-HK$6,000 per hour
Investment Management fee:
From 0% to 3% of the sum invested
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%
We look after a wide variety of clients, from all walks of life, but our core services are best suited for clients with investable assets of around US$500,000 to US$1,000,000 plus.
Clients with US$10,000,000 or more should contact us for details of our Concierge Service.
Through our Give Back Initiative (GBI) we provide pro-bono services for up to 10 clients a year that fall well below our minimums.​
At H Capital it's not just about money, it's about positive and respectful relationships.