Please note that some investment plans and savings plans may not be income guaranteed and are only suitable for investors who can leave their capital for 3-5 years or more and are prepared for low to medium risk.

Investments are subject to minimum premium levels. If you cash in the savings plan in the early years you may not get back the original amount invested.

The value of unit-linked investments can fall as well as rise as a result of market fluctuations so that you may not get back the amount originally invested.

Expats investing in a mirror fund may not be denominated in the currency of that fund e.g. Hong Kong dollars, so unit prices may fall purely on account of exchange rate fluctuations.

You should note that when making expat investments into a mirror fundthe charges, expenses and taxation of the underlying fund are different and performance may differ. For further information on the advantages and disadvantages of investing offshore click here

There are also risks when seeking financial advice abroad. Many countries do not have systems in place to regulate independent financial advisors. However, Hong Kong has a mature regulatory framework to safeguard individuals when making offshore investments. Click here for more information on regulations.

To speak directly to one of our Hong Kong Financial Advisors please click here to view our telephone number and contact details.