Risk and reward
Among investment products, typically:
- High-risk investments offer potentially higher returns
- Low-risk investments offer potentially lower returns
Your attitude to risk
Keeping your goals in mind, have you asked yourself the questions below:
- Do I have time to make long-term investments, which would allow me to take greater risks for higher returns?
- Can I afford to lose some of the money I invest in short-term, high-risk investments? Can I manage short-term fluctuations and drops in the value of my holdings by investing for a longer period?
- What risk level can I take while still protecting my children's future?
- Am I fine with potentially low returns if it means my money is safer?
- If I go for safer investments, will the returns be enough to cover inflation?
High risk vs low risk
Everyone has different reasons for saving and often your wealth management goals can be a deciding element in how much risk you're prepared to take with your money.
If you're making a wealth management plan for your children's education, then you might be investing over a long period of time and looking for a high return. As a result, you might prefer a comparatively high-risk investment option.
Should your goal be to purchase a new car, go on holiday or decorate a house, you will be investing for the short term and expecting a guarantee of your investment. Accordingly, you may prefer a low-risk investment option.
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Investment
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 products, Dual Currency Investment and Enhanced Yield Investment, Overseas Investment Plan, and Local Unit Trust and Hong Kong Mutual Recognition of Funds.
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You could check our insurance partner policies including Health insurance, and Life insurance, and our Online service.
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