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A wide shot of the western district of Hong Kong island; image used for HSBC Wealth Management page.

Build your wealth

Understand your needs

How to build your wealth over time

Many people know how to build wealth simply by accumulating savings. Research shows that Hong Kong people have the strongest tendency to save within the region. 67% of Hong Kong interviewees would increase their rate of savings in the next six months. It takes careful and considered planning to build wealth and overcome the effects of inflation.

Hong Kong leads the Asian region in savings for the future

Manage and build up your wealth

  • Most people understand that investing their capital can lead to potentially greater wealth.
  • However, if you simply invest your money in equities and expect to double your earnings in a short time, the risk is much higher.
  • It may take higher risk in order to maintain growth momentum in a long run.
  • An effective savings plan needs a longer period of time for the power of compound interest to work to your advantage.
  • Be reminded not to let your savings adjust to your spending needs. Let your spending adjust to your savings needs.
Save HKD5,000 per month for 10 years and let it grow

For example:

  • Saving HKD5,000 a month for 10 years.
  • Total amount accumulated is HKD600,000.
  • Assuming 5% interest each year on your savings. After 10 years, the accumulated amount will grow up to HKD779,646 (almost HKD180,000 more).
  • By the 40th year, the sum will reach HKD3,483,261.

That is the power of compound interest, assuming the same target and return, the earlier you start your saving plan, the less the contribution per month and the more the total capital gain.

Note: The above diagram is for illustration only and is not an indication of the actual performance of any insurance plans or investment products.

Invest regularly to benefit from fluctuations

Dollar-cost averaging is a common technique used in long-term investments, aiming to lower the average cost of each fund unit. By investing a fixed amount regularly, you will buy more units when the fund price drops and less when it rises.

Good asset allocation helps grow your wealth steadily

Asset allocation is a practice to diversify risk among different assets within your investment portfolio. It aims to create a more balanced portfolio that adapts to all market conditions.

Get started

Future Planner

Want to review your future planning and see if you're on track to achieving your goals? Get started with Future Planner to gain insights into your planning and see what areas may need more attention.

Risk Profiling Questionnaire

Want to understand your investment needs and risk appetite? Please log on to HSBC Personal Internet Banking or the latest version of HSBC HK Mobile Banking app, and it will take you just a few minutes to complete the Risk Profiling Questionnaire.

Frequently Asked Questions

The information as shown on this page is not for sales purpose and it is hypothetical and for illustration only. It is not intended to constitute a recommendation or advice to any prospective customers and is not intended as a substitute for professional advice. You should not act on any information on this page without seeking specific professional advice.

Products and services referred to in this website are offered only in jurisdictions where and when they may be lawfully offered by The Hongkong and Shanghai Banking Corporation Limited. The material on these pages are not intended for distribution to, or use by, any person or entity in any jurisdiction where such distribution or use would be contrary to local law or regulation.

Note: Investment involves risks. Past performance is no guide to future performance. Investors must refer to the respective fund's offering documents for further details of the fund and the risks involved.

Your benefit is subject to the credit risk of the Company. Your premiums paid will form part of the Company's assets. You do not have any rights or ownership over any of those assets. Your recourse is against the Company only. This product is a product of the Company but not HSBC and it is intended only for sale in the Hong Kong SAR.

HSBC Life (International) Limited is incorporated in Bermuda with limited liability, and is one of the HSBC Group's insurance underwriting subsidiaries.