H Capital

14/04/2026

80% of Brits aren't sure if they're saving enough for retirement, finds the PLSA.

As the average life expectancy increases, retirement has become a larger portion of our lives, yet there is often widespread confusion about how much you should save for retirement and how to plan effectively.

Our aim is to clear the smoke and mirrors with our complete guide to retirement income, designed to answer common queries and concerns about retirement income, featuring expert advice from our founder, David Bojan. You can find the full guide at our helpful resources centre here: https://www.hfs.com.hk/helpful-resources

If you would like to discuss your situation with an experienced fiduciary, we can help with a free, no-obligation, 1-1 discovery meeting. Just get in touch via our website or send us a message and we'll revert back to you asap.

02/04/2026

If you have a pile of cash to invest, should you stick it in your stocks, shares and investment funds all in one go or drip-feed it in instalments? 🤔

An analysis from investment firm Vanguard showed that lump-sum investing tends to beat a regular drip-feeding investment approach two-thirds of the time.

The pattern of lump-sum investments outperforming holds particularly true when markets are on the way up, with investors reaping the rewards of having been fully invested from the start.

However, drip-feeding can help mitigate short-term risk thanks to dollar-cost-averaging.

Investing little and often is a great way to build wealth. When markets are falling, your money buys more shares or fund units; and they buy less when markets are rising.

For that reason, it pays to have a concrete investing schedule in place, especially given the tendency of stock markets to recover from shocks over time.

So there are pros and cons for each strategy. Which one you choose should depend on your risk attitude, time horizon, and personal situation.

In our latest blog, David Bojan explores each way of investing with his expert insight. Read the full article here: https://www.hfs.com.hk/post/should-you-invest-a-lump-sum-or-drip-feed-your-investments-over-time

27/03/2026

🤔 You may be wondering what impact the recent conflict in the Middle East means for stock markets.

While events like these understandably cause uncertainty, it's best to take a step back and assess how markets usually react to these situations.

From rapidly inclining oil prices to recession risk and more, H Capital founder David has put together his view on the situation in our latest article here: https://www.hfs.com.hk/post/what-does-conflict-in-the-middle-east-mean-for-stock-markets

25/03/2026

There are two Guarantees in Life - Death and Taxes!

There is nothing you can do to escape Death, sadly, but you can escape (or at the very least, minimise) Taxes - if you take the right action.

This article refers to increasing demand for UK onshore insurance bonds, generically referred too by some as tax wrappers. There are definite tax advantages to be gained, not merely the avoidance of UK Inheritance Tax.

Reach out for further details.

The latest HMRC figures show IHT receipts reached £7.7bn between April 2025 and February 2026

14/11/2025

Playa Cristo Beach, Estepona, Spain.

Having researched the financial services 'market' in Europe - Spain and Portugal specifically - we've discovered that most (all) firms offerring financial advice there are actually pushing commission paying products that are not in the clients best interests!

At H Capital, we are looking into European licensing, with a view to offerring our totally transparent Fiduciary fee based services.

Reach out to us for more information.

24/09/2025

Just as important today as it was in 2019.

Get your Financial Ducks in a row
🦆🦆🦆🦆🦆🦆🦆🦆

Contact us now.

15/04/2025

https://www.instagram.com/p/DHlk6lOAB47/?igsh=ZTQwNng0NzQ0eTF4

04/03/2024

https://youtu.be/hJH7wPZfHTU?si=vYlnODJarfDxZT_U

A quick myth-buster to explain how the much confused tax really works, who’s likely to pay, and who isn’t…For full details visit: https://www.moneysavingexpe...

19/08/2023

Hmmmmmmm really.....

Invested with St James's Place? Have you seen your adviser recently? If not then you could be paying for services you haven't received. Check today if you could claim.

23/11/2022

This is what our Crystal Ball tells us........ :)

Most global equity markets save for China, Hong Kong, and Taiwan rebounded sharply in October off the lows set last month in one of the worst Septembers in recent history. The major indices were all up for the month with the Dow Jones Industrial leading the pack in the US with its largest monthly ga...

23/11/2022

If you are thinking about moving to the UK, read this....

During the past year, we have seen increasing interest amongst both expatriates and local-residents who wish to move to the UK from Hong Kong. According to a British Home Office survey, most local Hong Kong residents who successfully applied for a pathway to UK citizenship are university educated, m...