H Capital

28/08/2026

🗨️ "If this is legal, why haven't I heard of it before?"

This question crops up all the time when we explain tax deferral to new clients. And it's a fair question!

Most UK investors accept that tax on dividends and capital gains is simply unavoidable.

But there's a structure that's been part of UK and international tax law for decades that allows capital to compound in a tax-neutral environment, legally, compliantly, and without the complexity most people assume.

Over a long time horizon, the difference can be substantial. Tax drag on a conventional portfolio can erode 30-40% of total returns. 🤯

If you have a portfolio of £500,000 or more, this is worth understanding!

📖 Read the full article here: https://lnkd.in/evS3mJrZ

10/08/2026

Pension and IHT rules are changing in 2027.

From 6 April 2027, the majority of defined contribution pensions are set to fall within the Inheritance Tax net.

For some of us, this could mean a larger IHT bill — and less money being left behind for our loved ones.

But taking money out of your pension or drastically changing your plans isn’t necessarily the answer. Your pension is there to help fund your retirement.

What matters is having a clear understanding of how these changes could affect you, and how your pension, investments and wider estate plan work together.

If you’re unsure what the 2027 changes could mean for you, our fiduciaries have over 30 years of experience in wealth management, with a practical, no-nonsense approach.

👉 Drop us a message or visit our website to discuss your options.

17/07/2026

⌛ When markets hit an all-time high, most investors do one of two things. They either rush in, driven by greed. Or they hold back, convinced they've missed it.

Both reactions are understandable, but neither is particularly useful.

The data tells a different story. History shows that investing at a market high has had little to no impact on one, three, or five-year returns.

In fact, since 1957, the S&P 500 has averaged 18 new all-time highs per year. If you'd waited for things to calm down each time, you'd have spent most of the last 70 years on the sidelines.

Volatility is not a sign that something has gone wrong. It's a normal feature of markets, one that tends to feel more alarming than it actually is, particularly when the moves are sentiment-driven rather than a reflection of weakening company fundamentals.

What tends to matter more in the long run is the quality of what you hold, the valuation you pay, and whether your portfolio is diversified enough to weather the inevitable bumps.

Markets will keep moving, some months up, some down, but the investors who fare best are rarely the ones who called the top or bottom. They're the ones who had a plan and stuck to it!

👉 Read David's full analysis here: https://www.hfs.com.hk/post/fear-greed-investing-in-a-volatile-market

11/06/2026

Three out of four people have made a serious effort to plan financially for retirement, but only one in three have made the same effort emotionally.

And yet it's the emotional side that tends to catch people off guard.

New retirees often struggle with the transition, navigating boredom, loneliness or maybe even purpose.

The question worth asking isn't just "can I afford to retire?" It's "what am I actually retiring to?"

A useful starting point is thinking through The Five W's:

⭐ Who do you want to spend time with?
⭐ What do you want to do?
⭐ Where do you want to live?
⭐ When do you want to retire?
⭐ And perhaps most importantly... why will you get up in the morning?

The answers to those questions shape everything.

They inform where you need to be financially, what kind of lifestyle you're actually planning for, and whether the number you've been working towards is even the right one.

For couples especially, this conversation is worth having early. Two people can have very different visions of the same retirement, and it's far better to discover that now than later.

Remember: The financial plan follows the life plan. Not the other way around.

📖 Read David's full thoughts here: https://www.hfs.com.hk/post/retirement-planning-it-s-not-just-about-the-money

05/06/2026

When did you last look at your MPF?

For most people in Hong Kong, the honest answer is: not recently and maybe not ever.

Your MPF account value could be quite a significant contributor to your retirement if carefully managed and not ignored.

But the default fund your employer put you in years ago may not reflect your age, your risk tolerance, or your retirement timeline today.

A few questions to ask yourself...

🤔 Which fund are you invested in, and has it been reviewed recently?

🤔 What are the annual fees, and how do they compare?

🤔 Is your strategy still appropriate for where you are in life?

We offer an in-depth MPF Health Check service to help. No jargon, just a clear picture of where you stand and what, if anything, should change.

This service includes:

⭐ 12 months advice and support, including an initial analysis and assessment of the existing selection of funds.

⭐ Carefully considering your risk appetite and objectives, advice on realigning the current selection of funds, if appropriate.

⭐ Four quarterly portfolio reviews, including a generic Market Commentary, an update on performance during the quarter and since inception, with recommended fund changes as applicable.

⭐ Access to advice and second opinions on any financial matters not necessarily related to your MPF.

Diligent and timely asset allocation is the key both initially and ongoing. That's what we do at H Capital - and in the case of the CX Pfund specifically, we have an excellent 11-year track record.

📩 Drop us a message to arrange yours or ask any queries.

15/05/2026

• Am I too late?
• How much is enough?
• Where do I invest?
• What if markets crash?

These are just a few of the questions you might have about your retirement...

You’re not alone in asking them, but the sooner you start addressing them, the more control you’ll have over your future. If these questions sound familiar, it might be time to revisit your plan.

Drop the one question you've been avoiding in the comments 👇

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