Portfolio Management You Can Trust
H Capital has been successfully managing money for 30 years, delivering market-beating returns. We've experienced several market cycles and carefully navigated our way through the Global Financial Crisis, BREXIT, Covid, Trump - the list goes on. Clients choose to stay clients for many, many years, because we deliver positive results and we care. You are not just a number as far as we are concerned.
To get started, we offer a free, no obligation Discovery Meeting to discuss your attitude to investment risk, your performance objectives and expectations. We’ll ask probing questions, such as:
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“Are you making the smartest decisions about your money and your future?”
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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 we get to know one another so we are better able to help you achieve your goals .
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
Understanding Your Risk Appetite
The challenge facing all investors is that there are no absolute right or wrong answers to investing. There are, however, some solutions that are better than others.
Investment decisions should be made in a framework that is robust, evidence-based and founded on a rational and defensible investment philosophy.
However, before making any investment decisions, understanding your attitude to risk is of vital importance because the value of most investments can fall as well as rise, and it’s important that you are prepared for that.
For some people, risk means danger and discomfort and should be avoided at all costs. For others, risk is viewed as an opportunity.
It's important you understand what your risk appetite is so that we select the right portfolio for you. Establishing your attitude to risk and the level of risk that is appropriate for your circumstances is an essential part of our process.
A Personal Investment Portfolio –
Just For You
At H Capital we don't use 'Model Portfolios' where everyone's investments are identical, because in our view everyone is different and one size does not fit all. Therefore, whether the amount you have available to invest is big or small, we create a portfolio that is tailored specifically to you and your personal circumstances and preferences.
You may wish to exclude certain asset classes for ethical reasons, such as smoking, workers’ rights, gender equality, arms, tobacco and gambling – we will tailor your portfolio accordingly.
Once we've constructed your portfolio, we'll review the underlying investments regularly and send you a quarterly report.
Keeping Your Money Safe
Keeping your money safe is of paramount importance, of course. Connected with that, we prefer to separate the portfolio management process from the holding of client money, and so we delegate holding client assets to substantial third-party financial institutions that are separate and independent from H Capital.
H Capital does not, therefore, have access to your cash; we are appointed as (discretionary) portfolio managers responsible for managing your money in line with your agreed risk appetite.
To be clear, you are the owner of your account, and you will have complete control, including 24/7 online access. H Capital will send a detailed quarterly report so you’ll know how your investments are performing.
In the unlikely event that H Capital is no longer available to manage your account, you would be free to appoint another manager, you could manage your account yourself, or you could close the account and move the proceeds elsewhere.
In-Depth Research
Successful investing depends on a wide range of factors and skills, quality research, optimum country weighting, market timing and so on.
At H Capital, we carry out in-depth research and due diligence on investment fund managers to identify investment funds that consistently outperform.
Where possible, we invest in ‘institutional’ share class funds, which lowers costs. We also use low-cost passive ETFs (exchange-traded funds) to complement the active funds.
By creating portfolios that consist of a selection of first-class funds, diversification is achieved through exposure to various markets and sectors, and to reduce risk further, we include, as far as possible, asset classes that are non or minimally correlated. In other words, assets that do not react in the same way as one other (for example, venture capital, real estate and company shares).
The underperformance of one asset class should be compensated for by the outperformance of another.
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