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%
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. After that, we'll know what's required and will then be able to specify the fees that are involved.
For example, you might opt for our Fixed Fee 'Helicopter View' of your Financial Affairs, or instead you may prefer to single out our Pfund 'Health Check' service, or as in most cases entrust your hard-earned savings to us to manage and grow on your behalf.
Whichever service you require, there's no obligation involved in talking, and you can rest assured that any fees will be discussed and agreed upon both verbally and in writing before we proceed.
Who do we work with?
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.
A Written Financial Planning Report
'Helicopter View' covering every single aspect of your financial affairs
Fixed Fee: HK$20,000 to HK$38,000 depending on complexity
Provident Fund Health Check
and fund selection advice
Including the CX Pfund service
1.5%
Our Services
30 years experience managing our clients financial affairs
H Capital has a proven 30 year track record delivering excellent investment returns coupled with technical financial planning advice to personal, corporate and trust clients across the globe.
Our diverse range of services include financial planning (a bird’s eye view of your financial affairs), pensions/retirement projections, mitigating taxes through the use of trusts and wills, and relocation tax planning should you repatriate to the UK, Australia or elsewhere. And of course, 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.”
At H Capital we aim to construct portfolios that includes investments which are minimally correlated with each other e.g. real estate, bonds, shares, commodities and so on.
Retirement Planning
Getting your Crispy Financial Retirement Ducks in a row is really important if you want to enjoy retirement.
That doesn't usually happen by accident, however, it happens by design when you plan ahead. You need to ask yourself:-
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Can I afford to retire, and when?
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How much will I need?
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How much is enough?
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What about inflation, and tax?
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Should I set aside money for Care Home fees?
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As a Brit, should I top up UK National Insurance Contributions?
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How can I earn an income from my QROPS?
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.
MPF & CX pfund
Health Check
The Hong Kong based Mandatory Provident Fund (MPF) was introduced over 20 years ago now. Despite that, most people pay no attention to where their contributions are invested, and they never, or very rarely, make any changes. And yet, there is a HUGE variation in returns from fund to fund.
It is so important your money is invested in the right funds at the right time.
Our MPF health check includes: -
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A thorough written analysis of your current fund selection.
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Carefully considering your risk appetite and objectives, specific advice on realigning the portfolio if recommended.
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Four quarterly written reviews including generic Market Commentary, performance achieved to date and specific advice on any advisable fund selection changes.
UK Property Refinance
Refinancing your home and real estate investments can have several benefits from reducing monthly costs to raising capital for further investments if required.
H Capital has access to all of the UK lenders as well as a large panel of overseas lenders and private banks with multiple language skills, genuinely exclusive products which are not available direct or through other intermediaries, and last but not least, we can facilitate a free consultation with no upfront fees or obligations.