Edmund Choi - Financial Advisor

【 Binance和Coinbase被起訟】
美國證券交易委員會（SEC）對Binance和Coinbase提起訴訟，指控它們違反註冊和監管規則。這些訴訟標誌著SEC試圖對整個加密貨幣行業進行監管，而Coinbase則反擊，指責SEC在缺乏明確規則的情況下採取了“僅執法的方法”。這些訴訟是SEC對加密貨幣活動進行監管並強制執行其對加密貨幣公司的規定的重要舉措

與此同時，香港正在考慮扭轉多年來將加密貨幣交易限制在專業投資者之內的政策。這一舉措與亞洲及其他市場形成對比，例如去年禁止所有加密貨幣相關交易的中國，以及最近加強立場的新加坡。證券期貨委員會(SFC)將就如何讓散戶投資者獲得數字資產開展公開諮詢
這些發展凸顯了加密貨幣行業面臨的監管挑戰。世界各地政府機構的監管審查加強，可能會影響加密貨幣的增長和普及

儘管面臨挑戰，但我們不能忽視加密貨幣和區塊鏈技術的潛在好處，包括增加安全性、透明度和效率，，並且很可能會在各個行業看到加密貨幣和區塊鏈的普及

加密貨幣的投資者應當在投資前謹慎行事並進行必要的盡職調查。他們還應該密切關注監管發展和針對加密貨幣交易所的任何法律行動，以保持了解並做出投資決策


#美國證券交易委員會 #幣安 #加密貨幣 #比特幣 #以太幣 #區塊鏈 #香港 #證監會 #投資 #數字資產 #數字貨幣

【 Effective tax planning is crucial before the UK tax reform】

In 2021, the independent Wealth Tax Commission proposed a one-off 1% wealth tax on households with assets exceeding £1 million. This proposal can generate £260 billion, which would more than cover a year's worth of funding for the NHS and social care spending.

Research conducted by fairer taxation campaigners reveals that a modest wealth tax on the wealthiest 350 families in the UK has the potential to raise over £20 billion annually. This substantial funding could be directed toward the construction of 145,000 new affordable homes each year. Similar wealth taxes in countries like Norway, Spain, and Switzerland have successfully addressed inequality.

In this situation, financial planning becomes CRUCIAL. It is vital to develop EFFECTIVE TAX PLANNING before tax reforms are implemented to prepare for potential changes. Clients should actively review their tax situation and develop response strategies to ensure that their financial interests are maintained.

Considering the popularity of "Tax the Rich" proposals among voters, our focus at Jadeite Family Office is to assist the HNW families/ individuals targeted by these proposals. We aim to work alongside tax advisors in developing viable and effective Fire Escape Plans for our clients. It is imperative to proactively review your tax position and establish a strategy to navigate potential changes that may arise if and when these proposals become law. Together, let's safeguard your financial interests.

英國稅務改革實施前的有效稅務規劃至關重要
2021年，獨立的財富稅委員會提出了一項針對擁有超過100萬鎊資產的家庭的一次性1%財富稅。這項提案有可能籌集2600億英鎊，足以支付一年的國民保健服務和社會福利支出

公平稅收倡導者進行的研究顯示，對英國最富有的350個家庭開徵一個適度的財富稅，每年有可能籌集超過200億英鎊。這可觀的資金可以用於每年建造14.5萬個新的可負擔住房。值得注意的是，類似的財富稅在挪威、西班牙和瑞士等國家已成功解決了不平等問題

在這種情況下，財務規劃變得非常重要。英國稅務改革實施前，制定有效的稅務規劃至關重要，以應對可能出現的變化。客戶應積極檢查他們的稅務狀況並制定應對策略，以確保他們的財務利益得到維護

考慮到「對富人徵稅」提案在選民中的普及，我們在一瑄家族辦公室的重點是協助被這些提案所針對的高淨值家庭/個人。我們旨在與稅務顧問一起為客戶制定可行且有效的應變計劃。積極檢查您的稅務狀況並建立策略，以應對可能在這些提案成為法律時出現的變化。讓我們共同維護您的財務利益

一瑄家族辦公室致力「與你一起重新定義財富」。我們將協助您把握機遇、管理風險，並將家族精神傳承下去


#移英理財 ＃稅務規劃 ＃延稅策略 ＃財富稅 ＃一瑄家族辦公室

【 🚶♂️踏入6月份，定期存款加息潮持續香港各家銀行嘅定期存款利率已經上調，有啲甚至接近4%！】

由6月開始，逾10家銀行加息，存期為3個月至12個月，其中包括匯豐銀行🏦。最新連滙豐都加息，不過僅調升3個月及6個月存款嘅年利率，唔再提供12個月嘅優惠利率除咗三家發鈔銀行，仲有其他銀行提供選擇，例如中信銀行亞洲嘅4.2%利率，華僑永亨銀行嘅4.18%利率，中國建設銀行（亞洲）嘅4%利率等等。虛擬銀行亦都加入競爭，提供接近3.8%或3.8%嘅利率。如果你係儲蓄者，更高嘅利率無疑係一個好消息，你可以關注最新嘅促銷活動並比較不同銀行嘅利率

資料來源：https://wealth.hket.com/article/3395800/【高息定期存款】 新高位4.2厘、11個4厘選擇一表看清！滙豐也加息、6個月3.4厘

🤔相對於其他投資而言，定期存款係一種相對低風險、低收益嘅選擇。雖然近期香港多家銀行提高了定期存款利率，但係相對於股票、基金等高收益嘅投資而言，定期存款依然是一種相對保守嘅選擇。咁幾時應該放錢落一個定期或者高息儲蓄戶口呢？通常我會建議客人將短期目標（即係1-2年內要用到嘅錢）放入定期存款或高息戶口，例如首期、旅行、結婚等等

💡再舉個簡單例子，如果有1百萬，分別投資喺每年4％同每年8％回報嘅工具，若干年後，兩者回報會相差幾百萬

🙆其實合理地分配錢投資喺股票、基金係十分重要！投資嘅神奇之處在於等時間為您效力。當您有10年或以上的時間視野時，買入和持有股票、基金等投資嘅影響可以係好巨大

唔使花太多時間擔心係咪應該用高收益儲蓄戶口或者用定期存款，呢個唔係致富嘅方式。相反，花時間專注係尋找增加收入，儲存所賺嘅健康部分並持續投資。提醒大家遵循以下規則來積累財富：

1️⃣ 投資金額要低於你嘅收入水平

2️⃣ 盡早開始投資

我可以幫助你從冇任何投資想法到你逐步開始建立投資組合，歡迎DM查詢

🚶As we enter June, the trend of regular deposit interest rate hikes continues, with over 10 banks raising interest rates for deposits with terms ranging from 3 to 12 months in Hong Kong. This includes HSBC, which has increased its interest rates for the annual interest rates of 3 and 6-month deposits but will no longer offer preferential rates for 12-month deposits. Other banks such as CITIC Bank Asia, OCBC Wing Hang Bank, and China Construction Bank (Asia) offer interest rates up to 4.2%, 4.18%, and 4%, respectively. Even virtual banks are joining the competition, offering interest rates close to 3.8%

💰 For savers, higher interest rates are undoubtedly good news. Keep an eye on the latest promotional activities and compare the interest rates of different banks

🤔 Compared to other investments, fixed deposits are a relatively low-risk and low-yield option. Although many banks in Hong Kong have recently raised their interest rates on fixed deposits, they are still a relatively conservative choice compared to high-yield investments such as stocks and funds. So, when should you put money into a fixed deposit or a high-yield savings account? In most scenarios, it is recommended that clients allocate money for short-term goals ( i.e. money to be used within 1-2 years) put into fixed deposits or high-yield accounts, such as down payments, travel, weddings, etc

💡 Here's a simple example. If you have 1 million and invest in tools with a return of 4% and 8% per year, the returns will differ by millions after several years

🙆 In fact, it is very important to allocate money reasonably for stock and fund investments! The magic of investing is that time works for you. When you have a vision of 10 years or more, the impact of buying and holding stocks, funds, and other investments can be huge

Don't spend too much time worrying about whether to use a high-yield savings account or a fixed deposit, as this is not a way to get rich. Instead, focus on finding ways to increase your income, save a healthy portion of what you earn, and continue to invest. Remember to follow the following rules to accumulate wealth:

1️⃣ The investment amount should be lower than your income level
2️⃣ Start investing as early as possible

I can help you go from having no investment ideas to gradually building an investment portfolio. Feel free to send me a direct message for inquiries

#香港銀行 #定期存款 #利率上調 #高息儲蓄 #投資理財 ＃投資 Kong Banks Deposits Rate Increase -Yield Savings Management ＃JadeiteFamilyOffice

【 借死談生】

人生中有很多事情來得匆忙，尤其是當面臨疾病和死亡的威脅時，這些突如其來的情況常常讓我們措手不及。如果我們不及早做好準備，在金錢、心靈和感情上所帶來的影響可能會持續一生

一瑄家族辦公室致力「與你一起重新定義財富」。我們將協助您把握機遇、管理風險，並將家族精神傳承下去

很榮幸能與您分享我們與李志誠博士及陳敏兒女士的合作，他們的著作《借死談生》宣揚了一種幸福生活的選擇。我們的高級合夥人李立基先生亦與大家分享有關個人生死的經驗

讓一瑄與你一起面對生命的挑戰，共同打造一個穩固且幸福的未來

In life, many things come unexpectedly, especially when faced with the threat of illness and death. These sudden circumstances often catch us off guard. If we don't prepare early, the impact on our finances, mental well-being, and relationships can last a lifetime.

At Jadeite Family Office, we are dedicated to “We help define wealth“ We will assist you in seizing opportunities, managing risks, and preserving the spirit of your family.

We are honored to share our collaboration with Dr. Amen LEE and Ms. Barbara Chan Man Yi's book "借死谈生" (Discuss Life through facing Death) which advocates for a choice of living a fulfilling life. Our Senior Partner, Mr. Ricky LEE, shared his personal experiences related to life and death.

Let Jadeite Family Office accompany you in facing the challenges of life and together, we will build a secure and happy future.



#一瑄家族辦公室 #與你一起重新定義財富 #借死談生 #幸福生活 #家族精神 #準備未來 #預設照顧計劃 #退休策劃

【 ✨Poolside Party】

🏊♀️☀️ Nothing beats a poolside party! Spend the day splashing around, singing karaoke, playing video games, and enjoying delicious food and drinks. 🍔🍹💦

多謝fun team 嘅安排，期侍下一次活動🥳🥳🥳

＃worklife

【 🎓 🎉 完成預設照顧計劃大使證書課程！】

通過完成課程成為預設照顧計劃大使，我獲得了有關預設照顧計劃、香港殯儀服務流程、晚期照顧等知識，未來除了可以幫助客戶做出退休財務上安排之外，還可以做出有關預設照顧計劃和晚期照顧等的安排

想了解多啲關於預設照顧計劃同埋佢點樣幫到您，歡迎DM查詢

The Advance Care Planning Ambassador Certificate course equipped me with knowledge about advance care planning, funeral service procedures in Hong Kong, end-of-life care, and other related topics. I am now able to assist clients not only with making retirement financial arrangements but also with making informed decisions about advance care planning and end-of-life care, providing them with better support.

Don’t miss the chance to learn more about the advance care planning, feel free to DM us to see how it can help you!

#晚期照顧 ＃退休策劃