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Manage and Grow Your Wealth | Wealth Management | HSBC HK
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The path to growing your wealth effectively is to follow some basic principles

Here are the four steps to begin with:

1. Set a goal and start early

To achieve your desired wealth goal, it is important to set a goal and start early. The goal can be easy, such as saving up for a long holiday, or even for a dream car, tuition for your kids or your retirement. The earlier you start to invest, the sooner you can enjoy the power of compound interest working for you to build value, earn even greater returns and make your money work harder for you.

2. Develop a saving habit

When you have enough money to save, you should work out your saving plan. However, if you think that saving a few thousand dollars every month will offer little in return, you should change your mindset. To start your saving plan, you should adopt a stable and organized saving routine that will help you achieve your goal.

3. Be consistent

Many people stop their investment planning particularly during market downturns. By doing this, they often miss out on opportunities to invest at lower prices. If you stick to your plan and keep moving ahead consistently, this might help spread your risks and grow your wealth for the long-term through dollar-cost averaging and careful asset allocation.

4. Maintain a well-diversified portfolio with regular reviews

By using the right tool at the right time, and with good asset allocation and regular reviews of your portfolio, you can adjust your portfolio to meet your changing needs and risk appetite at different stages of your life and in different market conditions. This helps you keep up your saving momentum going to achieve your long-term financial goals.


Risk Profiling Questionnaire

Want to understand your investment needs and risk appetite? Simply logon to HSBC Personal Internet Banking and it will take you just a few minutes to complete the Risk Profiling Questionnaire.


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You should know your financial need or investment objective, your current financial situation and risk tolerance.
Your objectives could incorporate any combination of the following:

  • Manage and grow your wealth
  • Plan for retirement
  • Protection for your family
  • Preserving your legacy
  • Fund your children’s education

You should also understand how much your target is, how long you want to invest, how much you can invest and your own investment preferences.

You can make use of our Risk Profiling Questionnaire to help you find out more about your investment risk tolerance.

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The information as shown on this page is not for sales purpose and it is hypothetical and for illustration only. It is not intended to constitute a recommendation or advice to any prospective customers and is not intended as a substitute for professional advice. You should not act on any information on this page without seeking specific professional advice.
Products and services referred to in this website are offered only in jurisdictions where and when they may be lawfully offered by The Hongkong and Shanghai Banking Corporation Limited. The material on these pages are not intended for distribution to, or use by, any person or entity in any jurisdiction where such distribution or use would be contrary to local law or regulation.

Note: Investment involves risks. Past performance is no guide to future performance. Investors must refer to the respective fund's offering documents for further details of the fund and the risks involved.

Your benefit is subject to the credit risk of the Company. Your premiums paid will form part of the Company's assets. You do not have any rights or ownership over any of those assets. Your recourse is against the Company only. This product is a product of the Company but not HSBC and it is intended only for sale in the Hong Kong SAR.

HSBC Life (International) Limited is incorporated in Bermuda with limited liability, and is one of the HSBC Group's insurance underwriting subsidiaries.