Portfolio Management That Works
Our clients choose to stay clients for many, many years, because we deliver positive results and we care. We've experienced several market cycles and diligently navigated our way through the Global Financial Crisis, BREXIT, Covid, Trump, Iran - the list goes on.
To get started, we offer a free, no-obligation Discovery Meeting to discuss your attitude to risk, your performance objectives, and your expectations. We’ll ask probing questions, such as:
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“Are you making the smartest decisions about your money and your future right now?”
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“Are you sure that you, your assets, and the people you care about most will be OK no matter what?”
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“Are you doing what you want when you want – are you living your best life?!”
It’s important that we get to know one another so we can better help you achieve your goals.
"For the past 10 years, David Bojan has taken a key role in helping me establish and grow a diverse portfolio of investments.
When I first met David, I did not have much to start an investment portfolio with, yet David took me on as a client regardless. He patiently sat with me, looked at what I did have and laid out a long-term investment plan that met me where I was.
Since then, and with David's input and guidance, my portfolio has grown considerably over the past 10 years despite a very tumultuous few years of economic recession, trade-wars and a world-wide pandemic.
David's many years of experience, his straight-forward approach, and personal attention to his clients, is why I would not want anybody else to look after my personal finances. I highly recommend David as a competent and trustworthy financial advisor in who I have the utmost confidence."
Cornel Marais
Educator
"I respect the importance of a considered approach to personal finance and of the need to constantly monitor and adapt investment options.
I am also aware that other commitments in my life prevent me from spending the time necessary to undertake adequate research to meet these needs. Therefore, I greatly appreciate the services that David Bojan and his team at H Capital have provided to me over the past twenty years, culminating in recent tax planning advice for my repatriation.
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. Most important for me, the portfolio is diverse and gives me flexibility, allowing me to increase or decrease rates of investment or withdraw funds easily if necessary.
David Bojan provides a professional service and I have no hesitation recommending him and his team to prospective clients."
Dr. Christopher Riggs
Head Veterinary Surgeon, HK Jockey Club
Hear From Our Clients
Understanding Your Risk Appetite
Most investors today face too many choices, from stocks and bonds to property, funds, and alternative assets, making it difficult to know what’s right for them. The right choice depends entirely on your personal goals, timeline, and risk tolerance.
Before making any investment decisions, the most important step is understanding your risk tolerance because the value of many investments can fall as well as rise, so you’re prepared for both market ups and downs. That said, if you are totally risk-averse, there are some guaranteed options available if you would rather avoid the inevitable ups and downs of stock markets.
Annuity Options for Risk Averse Investors
For investors seeking preservation of capital, and a fixed return - either a reliable income stream or capital growth - annuities are the perfect option.
Short-term annuities (1-10 years) that operate similarly to bank fixed term cash deposits are now available, offering very competitive yields of around 6% p.a. [Rates very over time - contact us for current yields].
Guaranteed Annuity (minimum US$250,000)
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Ideal if you want stable returns without stock market risk
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Your capital is protected and will not lose value
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Fixed US dollar return paid at the end of your chosen term
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Provides a dependable income stream
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Placement fees: 0.5%–2.5%
A Personal Investment Portfolio Built Around You
At H Capital, we believe no two investors are the same. Unlike many firms that rely on standardised ‘Model Portfolios’, we build a portfolio tailored specifically to your goals, risk level, and preferences. Regardless of investment size, your portfolio is fully customised.
We continuously monitor and review your portfolio and provide you with clear quarterly performance updates.
Your Money, Protected and Fully Under Your Control
Protecting your wealth is our top priority. With that in mind, we separate portfolio management from the custody of your assets, so your assets are held with established, independent financial institutions.
H Capital does not hold or control your cash. We act as your discretionary portfolio manager, managing your investments in line with your agreed risk appetite.
You remain the owner of your account, with full control and 24/7 online access. H Capital sends a detailed quarterly report, so you’ll know how your investments are performing.
If H Capital is no longer managing your portfolio, you are free to appoint another manager, manage it yourself, or transfer your assets at any time. Alternatively, you could manage the account yourself or close it and move the proceeds elsewhere. This structure ensures transparency, security, and complete peace of mind.
In-Depth Research
Successful investing requires disciplined research and careful selection, including fund selection, asset allocation, and market positioning.
At H Capital, we conduct rigorous due diligence on fund managers to identify high-quality funds with strong long-term performance.
Where possible, we use ‘institutional’ share classes to reduce costs, thereby improving your net returns. We complement this with low-cost passive ETFs (exchange-traded funds) to complement the active fund managers, which cost more for their superior performance. Many actively managed funds underperform over time, so we focus on identifying those with a proven track record.
Your portfolio is built using a diversified mix of carefully selected funds. Diversification is achieved through exposure to various markets and sectors, and, to reduce risk, we include assets that behave differently across market conditions.
This helps balance performance and manage risk over time.
Testimonials
"David Bojan has handled our Hong Kong Retirement Plan for the past 20 years with care and competence, resulting in excellent returns over the years and a growing income.
Following a bout of ill-health several years ago, I was able to relax knowing that David was overseeing and adapting our portfolio, which has weathered well the financial disruption in recent times."
Terrence Duggan, Retired Cathay Pacific Pilot
"With David's input and guidance, my portfolio has grown considerably over the past 10 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 massively improved the return on my CX Pfund – roughly doubled the value of the contributions so far.
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, Cathay Pacific Airbus Captain
Meet David Bojan, Founder of H Capital
With over 40 years in the financial services industry, David brings to the table a huge amount of experience, knowledge and understanding of everything financial.
As your Financial Concierge, Protector and Mentor, clients call upon David for guidance on every single aspect of their financial affairs, be it disciplined financial planning, portfolio management, Wills, Trusts, Tax, Real Estate - helping clients make informed decisions whilst staying on track to ensure their goals are achieved.
Each relationship is personalised, no two clients are alike, and so the advice and guidance provided is solely for you.
Trust, clarity, clear and open communications, and mutual respect are key.
Frequently Asked Questions
Investment Options
Choose the level of support that suits your needs:
Advisory Service (No Minimum Investment)
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Best suited if you prefer to stay in control of your investments, manage your portfolio, and have final say over the selection of investments
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Work with us as a trusted advisor for guidance and second opinions on investments of your choosing, or consider recommendations based on our carefully researched Preferred Investments List (PIL)
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Guidance on platforms, accounts, and investment structures
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No minimum investment portfolio size
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Fees: Hourly, with a minimum engagement of HK$15,000
Discretionary Portfolio Management (Minimum: $500,000)
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Ideal if you prefer a hands-off approach in managing your portfolio while staying informed through regular updates
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A secure investment account in your name with a trusted custodian
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A bespoke portfolio customised to suit your risk appetite and objectives
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Multi-currency investment options
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24/7 online access to your portfolio account
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Fees: 0.2% to 1.5% annually, plus platform and transaction costs
Concierge Wealth Service (Minimum: $10M)
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Designed for high-net-worth individuals with $10M+ in investable assets
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Advanced asset structuring support provided by independent legal experts, focused on privacy, tax efficiency, regulatory optimisation, and seamless wealth transfer
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Discretionary Portfolio Service included
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Proactive Risk Management
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Direct, secure communication access
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Fees: Tailored to your requirements
Get In Touch
Investment Accounts
Three investment accounts are available as follows:
You want to be involved in the process of choosing investments
Advisory service
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Advice on investments of your choosing, or recommendations based on our carefully researched Preferred Investments List (PIL)
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A second opinion on your existing investments
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No minimum investment portfolio size
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Fee: minimum HK$6,000
You don't want to be involved in the management of your portfolio
Bespoke Discretionary Investment Portfolio
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Minimum investment £500,000 / US$500,000 or currency equivalent
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Customised to suit your specific preferences
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Proactive Risk Management
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Performance Monitoring
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Multi-Currency options
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Dedicated Client Support
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Portfolio Management Fee: 0.2% to 1.5% plus platform/transaction fees at cost
You don't want to be involved in the management of your portfolio
Concierge Account
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Minimum investment £10M / US$10M or currency equivalent
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Discretionary Managed Portfolio
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UK tax advice
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Wills and Trusts advice
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24/7 WhatsApp contact
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Ongoing account fee: negotiable