Getting started as an investor
Know your needs
Whether you're planning on buying a property or leaving a bigger inheritance for your children,there is always a type of investment to help achieve your goals. If you have an emergency fund ready for unexpected events, you're prepared to look at your options.
Four things to think about before investing:
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Your goalsHaving a clear goal is the first step to determining your investment type, whether you are considering buying a new house, starting a family or saving your retirement. Your goal might be protecting your current lifestyle, buying a new car or making a big life change.
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Your incomeThis is a good time to look at your income and determine whether it's sufficient for your goals. Can you live your ideal life with your current income? Could you support your children's education? Your current income will need to support your investments to achieve your goals.
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Your healthYou may have a private security program but is it flexible enough to meet your changing needs? Have you thought about how you'd manage if something happened to you or your partner? You might want to think about how investments fit into your family's protection plan.
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Your businessIf you're a business owner, you'll need to think about how your business links to your personal finances. It's a good idea to have a sense of where your business is going in the next 12 months. Having a clear idea of that can help you choose the right investments. The issues that need to be considered are how much you need to maintain your current lifestyle and whether you need to obtain cash quickly and conveniently.
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We take into account your protection needs at various life stages to help you find out suitable insurance plans, leveraging on our ability to offer a one-stop platform for your insurance needs.
You could check our insurance partner policies including Health insurance, and Life insurance, and our Online service.
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Frequently asked questions
What are the basic rules to making investments?
You first need to understand your financial needs, investment objectives, financial situation and risk appetite.
Your goals may include the following: Protect your family, Children's education, Retirement planning, Wealth management and growth, Legacy planning.
You should also consider your goals, investment tenor, affordable investment amount and personal investment preferences.
When should I start financial planning for my future? How should I approach financial planning?
Financial planning is a sound financial management process to develop and achieve personal and family financial goals through investments, asset allocation, risk control and retirement planning. Financial planning is not simply saving money or cutting living costs. Reasonable financial planning can help individuals and families set financial goals for different life stages and help them achieve these financial goals through proper investment tools and portfolios. It could contribute to wealth accumulation and growth as well as prepare individuals and families to respond to adverse effects of unexpected events.
There is no set formula for financial planning. It varies by person, circumstance and life stage. You should start your financial planning as early as possible.