Horizon Private Wealth

READ BETWEEN THE WINES 📖🍷

We are excited to share that our Adviser, Jemma Daley, book club that had originated during the pandemic, has flourished.

Jemma is thrilled to announce that her book club will be hosted at Hong Kong’s very first Women’s lounge, created by Women of Hong Kong.

The Women’s Lounge is a dedicated space for women’s social well-being and success, providing an inclusive network that supports and empowers women.

To join, please follow the link below -

www.womenofhongkong.com/event-details/read-between-the-wines-book-club

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Issue 116 of The Investor is here!

Can’t wait to jump off the hamster wheel of work and retire or have already taken the plunge or have no intention of giving up? We tackle the subject of early retirement and how sound financial plan can help you along the way.

Plus, we address the topic of artificial intelligence, the world’s biggest financial frauds and the importance of financial education for young people. We cover a range of different aspects of our financial lives, so read this fantastic edition of The Investor.

Click below to read the full issue - https://indd.adobe.com/view/9a01d2f4-2ed3-4b2e-8427-0bd2d47a6032

Happy Birthday to all of our amazing clients! We are thrilled to celebrate every client's special day by planting a tree in their honor and restoring forests.

At Horizon Private Wealth, we believe in giving back to the planet and making a positive impact on the environment. By planting a tree on their birthday, we hope to not only celebrate their special day but also contribute to a greener future for all of us. Thank you for having your trust in us and joining us on this journey to create a healthier planet.

If you are considering moving back to the UK, you must have a number of concerns that you know you must address, and affairs you must put in place before you book that flight.

Returning to the UK after a period of time overseas requires careful consideration and planning. Ensuring that your affairs are in order and that your finances and investments are administered efficiently is of paramount importance. Additionally, it is important to also understand the tax implications that could affect you and your assets in the repatriation process.

Here are 8 things to consider before moving to the UK.



The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances. You are advised to seek independent tax advice from suitably qualified professionals before making any decision as to the tax implications of any investment.

This material is a general communication being provided for informational purposes only. It should not be relied upon as financial advice and it does not constitute a recommendation, an offer or solicitation. No responsibility can be accepted for any loss arising from action taken or refrained from based on this post. All information presented herein is considered to be accurate at the time of production, but no warranty of accuracy is given and no liability in respect of any error or omission is accepted.

Market movements reflect human decision-making, with all its attendant intellectual limitations and emotional biases.

When markets are moving quickly – either upwards or down – it is all too tempting to make rash decisions driven by emotion rather than logic. And those decisions may pose a serious threat to your long-term financial health. During times of rising market volatility, investors should be reminded of the benefits of looking beyond such short-term market fluctuations and avoid the temptation to try to time the market.

Retaining a long-term perspective is the best protection against impulsive or irrational decisions.



The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select, and the value can therefore go down as well as up. You may get back less than you invested.

This material is a general communication being provided for informational purposes only. It should not be relied upon as financial advice and it does not constitute a recommendation, an offer or solicitation. No responsibility can be accepted for any loss arising from action taken or refrained from based on this post. All information presented herein is considered to be accurate at the time of production, but no warranty of accuracy is given and no liability in respect of any error or omission is accepted.

Start early.

You don’t need to put away a huge amount each month to build a good nest egg. The most important thing is to start saving as soon as you can. It’s surprising how much relatively small amounts of money saved on a regular basis can grow over time. The power of compounding, coupled with the right investment choices, can significantly boost the value of your fund.



The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.

We strive to create a positive impact through our investment strategy. Incorporating responsible processes into our investment decision-making provides the opportunity for us to use money as a force for good, and crucially, it makes investment sense. Since 2020, all of St. James's Place fund managers are signatories of the Principles for Responsible Investing.

To find out more about UNPRI, click the link below.
https://www.unpri.org/



The ‘St. James’s Place Partnership’ and the titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James’s Place representatives. Members of the St. James’s Place Partnership in Hong Kong represent St. James’s Place (Hong Kong) Limited, which is an insurance broker company licensed with the Insurance Authority (Licence No. FB1075), a licensed corporation with the Securities and Futures Commission (CE No. AAV439) and registered as an MPF Intermediary (Registration No. IC000852).

The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.

Beyond the horizon lies a world of endless possibilities.

You deserve a relationship that enables you to make informed financial choices, for you and your family, both now and in the future. Our clients often work with us over many years, trusting the advice we give them as their needs and priorities evolve wherever their journey takes them.

Every client has their own personal concerns, responsibilities and ambitions, and the solutions that work for one, simply would not work for another. This has enabled us to build exceptionally strong, trusted and lasting client relationships in Hong Kong, Singapore and the UK.

At Horizon Private Wealth, we exist to give you the confidence to create the future you want. We do this through face-to-face financial advice, delivered exclusively by qualified, expert advisers who make up our Partnership.

We help individuals in various stages of life, and with widely differing financial resources, we do not provide any off-the-shelf solutions. Instead, we offer you the benefit of a single relationship to meet your financial needs both now and in the future. We care about your financial well-being and our clients are at the heart of everything we do.



This material is a general communication being provided for informational purposes only. It should not be relied upon as financial advice and it does not constitute a recommendation, an offer or solicitation. No responsibility can be accepted for any loss arising from action taken or refrained from based on this post. All information presented herein is considered to be accurate at the time of production, but no warranty of accuracy is given and no liability in respect of any error or omission is accepted.