Who we are

Our vision

A thought leader in providing long-term savings and investments propositions in our chosen market.

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Company background

A leading long-term savings and investment company established since 1999 and committed to Hong Kong and the Asian region.

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What we offer

Investment-linked insurance plans

Our investment-linked insurance plan may help you capture market potential and cater for your insurance needs

Aspiration
Fortuity

Health insurance

Enjoy peace of mind for you and your family with extensive health coverage

Peaceful Life

Life insurance

Enjoy more coverage over the things you value in your life with a wide range of options

Perpetual Protector

Help and support

Interest rate

Calculate the interest rate from a range of currencies and dates

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Exchange rate

Calculate the exchange rate from a range of currencies and dates

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Access forms to switch policies, sign up for investments, change personal information

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Choose your preferred way to pay for policies, investments, and more

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FAQ

Need more clarity? Read our selected list of questions to guide your understanding

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Investment information

Professional investment management

Our investment-linked insurance plans offer a wide range of investment choices linked to underlying funds managed by reputable investment managers

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Notice in relation to investment choices

Stay fully informed on your investments with the up-to-date notices

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Resources

Education series

Gain more understanding about your insurance with our guides, from basic principles to managing investments over the long term

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Market watch

Follow trends and get the latest information about various industry sectors and behaviours

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Glossary

A lexicon of insurance-related words to help aid your understanding

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Education series

Investing for education

Starting investing now for your children’s future is a commitment well worth making. Like most parents, you want to do the best for your children's. Investing in their education is a great way to help them get established for whatever the world has in store for them. The sooner you start the better. Working abroad gives you a chance to put extra savings aside.

 

Do your homework

Good quality education is a priority for every parent, but for anyone living overseas it’s essential. 

It can be a very expensive business too, so it's important to start organising your finances as early as possible. 

It’s becoming less common for companies to pay for private schooling as part of an overseas package. As well as the school years, there are the important - and expensive - university years to consider. It’s important that you put aside enough money now to cover the potential costs.

 

Savings and investment 

Your expat status gives you an opportunity to take advantage of tax-efficient savings and investment opportunities. 

There are options that could help you build up an education fees pot which can cover longterm school and university fees, despite rising inflation.

 

Factors to consider

  • Will your child study in a local or an overseas university?
  • Will you be able to afford the higher cost if you want your children to study abroad (see Table 1)? The tuition fees aren’t your only consideration either. You’ll have to think about the cost of living overseas as well.
  • Tuition fees are increasing almost every year at a faster rate than market inflation. Don’t underestimate the effect of inflation as this can increase the costs substantially (see Table 1).

 

Table 1 – Cost of University Education

Location

 

Current cost

 Estimated Future Cost (Total)# 

Average annual university tuition fees

(HKD)* 

 Average annual living expenses

(HKD)*

 5 years on (HKD)

10 years on (HKD)

15 years on (HKD)

Hong Kong42,100N/A51,22162,31875,819
Canada133,100105,705290,555353,505430,092
Australia199,920171,360451,719549,585668,654
U.S.181,92570,756307,425374,030455,064
U.K.176,320105,792343,232417,595508,068

* Equivalent amounts in Hong Kong dollars, exchange as at 14 March 2012 

# Assuming the inflation rate is 4% 

Source: Education Bureau (www.edb.gov.hk), data as at February 2012.

 

  • How many years before your children’s university studies begin?
  • It goes without saying that the younger your children are, the longer you'll have to build up your funds. The sooner you start to invest the better. What might be surprising for you is just what a difference starting early can make.
  • The example below shows the different amounts you might need to save depending on how long you have until the money is needed.
  • No matter what your individual circumstances are, it’s never too early to start your plan.

 

Table 2 – Investing for Education (for the studies in U.S.)

Child’s Current Age

Number of years before university study

Study in U.S.

Estimated total expenses for a 4-year course# in the future (HKD)

Required saving/ investment amount per month^ (HKD)

5

13

1,786,625

7,540

8

10

1,588,303

9,459

13

5

1,305,470

17,751

# Assuming the inflation rate is 4% 

^ Assuming the average annual return is 5%. These figures are indicative only and not based on an actual investing or saving. There is no guarantee of the annual growth rate. On the contrary, you may be subject to investment and market risks. 

Source: Education Bureau (www.edb.gov.hk), data as at February 2012

 

How to achieve your goals

One way to help achieve your investment goals may be to take out a regular investment plan. 

By investing in an investment-linked assurance scheme, you can access a wide range of investment choices to capture market opportunities and diversify investment risk. 

As specialists in wealth management we may help you grow and protect your wealth as you move around the world. 

Our aim is to support you with long-term savings and investment solutions to allow you to look forward to the future with confidence.

Most of all, we’ll help you make the most of the opportunities available to you while you're living or working abroad. 

Now’s the time to start planning. 

Now’s the time to talk to Standard Life. 

Ask your financial adviser for details.