Investment Views

Everything is about planning, if you don't start now, how will you reach your goal?

Saving with ease through a number of years, eventually your wealth through time will become more than you expected.

**Save before you spend and not spend before you save**

甚麼是可扣稅強積金自願性供款(TVC)?

計劃成員可靈活安排可扣稅自願性供款，按不同的供款周期或不定期地供款，亦可以因應個人情況隨時增加、減少、停止或重新開始供款。但可扣稅自願性供款跟強制性供款一樣，須保存至65歲才可提取(符合法例訂明的特定情況除外)。

甚麼是可扣稅強積金自願性供款? - 錢家有道 「可扣稅自願性供款」是在強積金制度下一種新的自願性供款。在強積金計劃中持有供款帳戶或個人帳戶或獲強積金豁免的職業退休計劃的成員均合資格作出可扣稅自願性供款。

Investment Views...

Have you arranged yours?

Save for retirement
籌備退休生活

As you are working, you should be saving money for retirement. Put your retirement savings into a portfolio of investments (with monthly dividend payouts or not), into savings (ones that uses compound interest formulas) bonds, mutual funds.

Then towards retirement age, you can live off funds earned from these investments.

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在工作的階段，應儲備一筆退休資金。如將退休儲蓄（不論是每月供款甚至更長）加入儲蓄（以複利息計算）債券、基金等到你的投資組合，退休年齡到達時就可以收取這些投資所獲得的收益了。

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【親子理財】香港教育、醫療及住屋使費不菲，新手父母應如何理財及為子女建立正確的理財觀念？
以下4大方法有助新手父母解決財務煩惱，並引導子女創造財富。

(摘錄自 HK MoneyClub)

Earn higher returns
獲得更高的回報

In order to grow your money, you need to put it in a place where it can earn a high rate of return. The higher the rate of return, the more money you will earn.

As mentioned above as such with saving plans.

There is no better time than now with the current environment to do so, take your first step to find out more.

These investment vehicles tend to offer the opportunity to earn higher rates of return than a standard savings accounts. Therefore, if you want the chance to earn a higher return on your money, you will need to explore investing your money with a well established financial company.

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投資工具可比一般的儲蓄戶口獲取更高的回報率。探索更多來自良好認証的金融機構作為投資媒介，以獲得更高回報的資產增值。

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To be continued...

Most reasons to invest are in the following:

更多選擇投資的原因

Grow your capital 資本增值

Investing your money can allow it to grow. Most investment channels, such as stocks, deposit or bonds aim to offer returns on your money over the long term. These returns allows your capital to grow and create wealth over time.

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投資可使你的資金增長。一些投資途徑如股票、存款及債券等可讓你以較長的年期獲得回報，以時間換取財富增值。

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港人儲蓄水平冠絕全球 疫情下善於捕捉投資機遇
「調查顯示，92%香港受訪者擁有儲蓄。至於儲蓄目的中，62%受訪者表示儲蓄是為了退休做準備，其次是為了假日和旅行而儲蓄有51%。」

調查：港人儲蓄水平冠絕全球　疫情下善於捕捉投資機遇 - 香港經濟日報 - 即時新聞頻道 - 即市財經 - 股市 全球基金交易公司Calastone進行環球投資行為調查表示，香港投資者在財務上表現得相當精明，且善於管理自己的財富，當其他投資者因新冠肺炎疫情而變得謹慎時，香港人仍然繼續積極地投資，試圖從市場波動中獲

"Investing should be more like watching paint dry or watching grass grow. If you want excitement, take $800 and go to Las Vegas." - Paul Samuelson

If you think investing is gambling, you're doing it wrong. The work involved requires planning and patience. However, the gains you see over time are indeed exciting!

From George Soros.