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To be your long-term financial partner, the consultants from Guotai Junan Securities (Hong Kong) Limited hold SFC licenses, the Insurance Brokerage Licenses, as well as being a MPF Individual Representative under the monitor of MPFA. As a professionals in investment, insurance and Capital Investment Entrant Scheme service, our strengths are providing clients financial advisory services with the highest quality, including custom-made solutions to reduce the risk and the achievement of their financial goals.

Our innovative professional team are passionated to provide the total-solution to achieve the different goals to help clients to get a clear present and future financial expectation, through an objective assessment of the feasibility of various proposals and the use of effective measures and performance, to organise a feasible plan, allowing clients acquire a better understanding of the relevance and the best balance between the various financial goals.

We are designated to analyse different products from various insurance companies or banks, we give priority to the interests of clients, with fair attitude through regular review of the program and provide appropriate recommendations.

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  • Our Services

    With our experience in the operation of the international capital markets and a deep knowledge of China's national conditions, we safeguard our pledges on【Honesty, Affinity, Professional, Innovative】and are committed to provide customers with a full range of quality securities and financial services.

    With rich experience and thorough understanding on the national conditions of China and the Hong Kong financial market, our Group lays a solid foundation and a wide popularity in both China and Hong Kong. We also established good relationship with international organizations and China-funded organizations, and a sound sales network and pipeline.

    Our Group is always firmly committed to the aggressive and stable management style, coupled with the company's sound internal management, we withstand the Asian financial crisis and the business is still steadily rising. We are confident that with the full support of the parent company and in-depth understanding of the international market, a wide range of services are continuously providing to serve the needs of different clients.

    Our Main Business

    理財策劃 Financing Planning 個人及家庭保險 Individual and Family Insurance 退休計劃 Retirement Planning 強積金 MPF Consultancy
    財富傳承Inheritance of Wealth 子女教育基金Children's Education Fund 置業儲蓄計劃Home Ownership Savings Plan 投資移民顧問服務Investment Immigration Consultancy
    企業保險Corporate Insurance 離岸安排Offshore Arrangements

  • Business Partners

    Insurance Business Partners

    • AIA International Limited

    • AIG Insurance Hong Kong Limited

    • AXA China Region Insurance Company Limited

    • BOC Group Life Assurance Company Limited

    • China Life Insurance (Overseas) Company Limited

    • China Taiping Life Insurance (Hong Kong) Company Limited

    • Chubb Insurance Hong Kong Limited

    • Chubb Life Insurance Company Ltd.

    • Friends Provident International Limited

    • FTLife Insurance Company Limited

    • Generali Life (Hong Kong) Limited

    • Heng An Standard Life (Asia) Limited

    • Liberty International Underwriters Limited

    • Manulife (International) Limited

    • Professional Liability Underwriting Services Limited

    • Prudential Hong Kong Limited

    • Sun Life Hong Kong Limited

    • Tahoe Life Insurance Company Limited

    • Transamerica Life (Bermuda) Ltd.

    • Utmost Worldwide Limited

    • YF Life Insurance International Limited

    • Zurich Insurance Company Limited


    MPF Business Partners

    • AIA Pension and Trustee Co. Ltd.

    • Manulife (International) Limited

    • Principal Insurance Company (Hong Kong) Limited

    • Sun Life Hong Kong Limited

Consultant LoginCONTACT HOTLINE： 852 2250 0909

  • Corporate Insurance

  • Commercial Insurance

    • Public Liability Insurance
    • Employee Compensation Insurance
    • Contractor All Risk Insurance
    • Product Liability Insurance
    • Pollution Liability Insurance
    • Property Terrorism Insurance
    • Property All Risk & Business Interruption Insurance
    • Marine Insurance
    • Credit Isnurance
    • SME business Package Insurance
    • Surety Insurance
    • Employee Benefit Insurance

  • MPF

    • MPF Master Trust Schemes

  • Life Insurance

    • Saving & Life Protection
    • Medical & Critical Illness Protection
    • Accident & Accidental Death & Disability
    • Universal Life
    • Investment-linked Assurance Scheme (ILAS)
    • Annuity

  • Individuals' General Insurance

    • Motor Insurance
    • Home Insurance
    • Helper Insurance
    • Contractors' All Risks Insurance
    • Travel Insurance
    • Working Holiday Insurance
    • Golf Insurance

  • Capital Investment Entrant Scheme

    • Eligible collective investment scheme

  • Children education fund

    Children education fund

    The best gift for children is quality education.

    Of course, we know that it is very important to arrange quality education for our children. Every parent wants to path the way for their children, to make sure their children receiving best quality education from kindergarten to university.

    However, it is very costly for quality education, such as private school, study abroad, the “inflation” of quality education is much higher then we expect. Therefore, it is very important to plan your education funds ahead, with the assistance from GTJAS, you will be more confidence to achieve your education fund saving goal.

    So the best gift for children is quality education. Guotai Junan is equipped with brand-new products, quality services and professional consultants to help you plan for the future. It is definitely the choice of confidence. Parents can be prepared for their children's education fund early, to help them provide quality university or post-secondary education, to cultivate talents, and to let them fly high. Help you easily plan your child's future education funding. We can help you to build an education fund for your child through a range of investment-linked funds with growth potential.

  • Retirement fund

    For many people, retirement should be free and relax, the golden years of enjoying life. Retirement can be one of the most enjoyable times in life if you make arrangements in advance. You can develop a new interest, travel the world, even start a new business, and play golf in your spare time without having to face a heavy financial burden.
     
    However, the cost of living is rising and the life expectancy of human beings is getting longer and longer, which makes the retirement life longer and more expensive. Some people say that we still have MPF to help retire. Well, although the MPF can provide retirement protection for you, but the MPF's return is limited, will it catch up with high inflation? Will it be enough for you to enjoy your rest of life? Want to let you have no worries? The sooner you plan to save, the better you can prepare for your comfortable retirement. Therefore, retirement planning is very important as it can provide us with an ideal retirement life. Fortunately, planning retirement is easier than ever. We will carefully analyze the current financial situation and estimate the life needs after retirement; then, plan an investment plan that can help you achieve your goals; and finally, review whether your life insurance protection will ensure that you achieve long-term goals without worries. And we have a lot of plans to help you, to have a comfortable, autonomous and worry-free old age, make a wise choice now!
     
    Guotai Junan understands the importance of providing the best products and services to meet individual needs, and has extensive and in-depth relevant expertise. We have different products to choose from to meet our retirement needs. Although the future is hard to predict, we can work with your personal needs to help you prepare for future changes and plan to meet your retirement goals side by side.

  • Save for real estate

    Buying property as a home is a dream of many people, but property prices are skyrocketing, even if wage earners don't eat or drink, they still may not be able to “save enough money” to buy a property, desperate is what they feel. Traditional Chinese people always pay attention to “Well Personal development Well Contribution in Society”, “Well Living with Enjoyable Working Environment”, "Persevering Property with Persevering Person", etc., all of which reflect that home ownership is of great benefit to individuals, families and society. People often have to worry about living, and it is even harder to talk about more in life.
     
    For this reason, if anyone is interested in buying a home, they must plan and prepare for it. In past, you can buy a property by saving money in the bank account until it is enough. Nowadays, you will run out of inflation if your money just put in the bank. Therefore, you should find suitable financial tools to help your assets increase, but there are lots of wealth management products in market, sometimes it might make you dazzling. So we recommend our financial advisers to assist you to plan, develop appropriate financial plans, then select appropriate financial tools, implement them, and review them regularly.
     
    Different financial instruments can bring different potential returns. While considering the expected return, you must also understand the potential risks of financial instruments, financial needs such as investment period, capital guarantee and so on. The choice of a single financial management tool may result in better returns when the investment market is better, but the investment market is unpredictable. In particular, the capital of home ownership is relatively large. If you invest in a single investment target, the risk will be higher. If you are too conservative, you may not be able to increase your capital. Buying a property is also very timely. Therefore, the financial instruments selected should be sufficient liquidity, avoiding most of the funds being locked in, thus missing the golden opportunity.

  • Long term investment

    HSI ENG

    Long term investment
    From 1987 to 2019, what we have learnt:

    1. Ups and downs occur but these do not affect the return of long term investment, while the long term trend of HSI is moving upward.

    2. Don't be frustrated or excited for the market movements, because you focus in long term investment.

    3. If you started your investment in 1987, you were probably making a great return, although there were many ups and downs in the past 32 years.

  • Time value of money

    The future wealth of value can be determined by capital, time and yield. Assume there are three investors, Amy, Ben and Cat. They started to invest; the average return is 6%.

    Scenario 1 – Amy, Fresh graduate
    Amy started to invest $60,000 each year. After ten years, she invested $600,000. Amy married and stopped to make further investment, she let the investment to grow for 20 years more for as a child education fund.

    Scenario 2 – Ben, Fresh graduate
    Ben believes nothing is more important than enjoying life, so spends all his earning. After 10 years, he noticed Amy invested well, but he got nothing instead. So he started to invest like Amy for 20 years, total investment amount is $1.2M.

    Scenario 3 – Cat, Manager
    Cat has worked for years and saved some money for investment. She chose to make a single premium investment $450,000 for 30 years as a retirement fund.

    Time Value of Money BIL

    Time Value revised 2 BIL

    In this 30 years, time always flies.
    • Amy got $2.68M; Ben invested a double, only got $2.33M, and Cat got $2.58M
    • Why Amy and Cat can use less but  a better return?
    • The key is time!  After 16 years, the growth per year of Amy and Cat are more than Ben. Act now, time value is money.


       

  • Flexible managment and diversified investment

    "Don't put all your eggs in one basket." 《Don Quijote de la Mancha》
     
    • Risk diversification and asset allocation are not new concepts, but they are always easily to be forgotten.
    • Besides, we should review our portfolios periodically and stay flexible to change.
    • Keep in mind,  diversification is important, but there is no fixed strategy, your portfolio size will affect the efficiency of strategy.

      "I thank my fortune for it, my ventures are not in one bottom trusted, nor to one place; nor is my whole estate . Upon the fortune of this present year. Therefore my merchandise makes me not sad. 《The Merchant of Venice》

  • Dollar cost averaging

    Buy low and sell high?
     

    • Sounds easy, but when is high, when is low? Marketing timing is always hard to achieve, so there is a simple way to investment, Dollar - cost averaging, just like what we do in MPF.

    • Let's see an example, assume we have $1,000 and each time we invest $200 into a stock.

      DCA1 revised

      DCA2 revised

    • Dollar-cost averaging allows us to invest in a more discipline way, this avoid us to be less affected by market ups and downs, to reduce unnecessary changes to our portfolio due to emotional behaviors.

    • Dollar-cost averaging is not always work, if you invest in a market which the price is ever falling till your investment period end. Therefore, you must know your risk appetite and choose a market matching your risk appetite.

    • The last but not the least, a good financial analysis can help you to understand your financial need before starting your investment, but you should know your destination first.

  • Retirement Fund Calculator

    How much retirement fund do you need?

    Please answer the questions below to assist yourself to plan for your retirement fund.

  • Education Fund Calculator

    How much education fund do you need?

    Please answer the questions below to assist yourself to plan for your education fund.

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