Steps to prioritise your financial goals

Even if you're able to afford all of your goals, you need to focus on the right ones at the right time. Otherwise you could be concentrating on the wrong ones and ultimately miss out on your dream future.

It comes down to how you want to allocate your spare capital to achieve your goals. Should your money go to luxury products or a pension? A new car or an education fund for your children?

Five helpful steps to hitting your goals

Your goals are unique and could be absolutely anything – from boats and new babies to big houses and inheritance funds. Writing everything down gives you an overview of yourself.

Before you start sorting the order of your goals, it's a good idea to get a snapshot of how much money you have and see what's attainable for you.

  • Short-term – these are the things you want as soon as possible, like a new car, a second house or a once-in-a-lifetime holiday
  • Long-term – these are your goals for well into the future, such as leaving a big inheritance for your children or retiring early 
  • Essential – everyone's definition of essential is different, but retirement and protecting your family will probably be more important than anything else
  • Non-essential – these are the things you'd love to have, but you're not in a hurry to get them 

These are your high-priority goals – the ones you consider essential and want to achieve as soon as possible.

It could be that you need a new car in a few months' time when your first baby arrives, or a retirement fund that you need to access in less than 10 years.


The right investment products depend on three factors:

  • Your prioritised goals
  • Your risk tolerance
  • Your investment horizon

More products and information

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Global experts' advice to help you capture global investment opportunities and mitigate investment risks to meet your diversified investment and wealth management needs. Our investment products include: Structured productsDual Currency Investment and Enhanced Yield InvestmentOverseas Investment Plan, and Local Unit Trust and Hong Kong Mutual Recognition of Funds.

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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 Travel insuranceHealth insurance, and Life insurance, and our Online service.

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Start aiming for your goals today by putting together a plan in a few simple steps.

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Frequently asked questions

Although the above information is carefully written, the Bank does not warrant, state or guarantee the accuracy or completeness of the above information. The above information is not and should not be regarded as an offer or purchase invitation for any financial product, nor should it be viewed as an investment proposal.