Who we are

Our vision

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

More

Company background

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

More

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

More

Exchange rate

Calculate the exchange rate from a range of currencies and dates

More

Download hub

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

More

Payment methods

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

More

FAQ

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

More

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

More

Notice in relation to investment choices

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

More

Resources

Education series

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

More

Market watch

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

More

Glossary

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

More

Education series

Start regular investing early - As twice as much for half as long may not be the answer

People often think that delaying starting a regular investment plan by a couple of years won’t matter that much and assume that they can ‘catch-up’ by investing a higher monthly amount later in life. However the effect of delaying can be greater than you think.

 

It will be easy to catch up later on- won’t it?

It is all too easy to put off planning early particularly if you are in the early stages of your working life or you have no financial goal in mind. It’s human nature. Especially if you expect you will earn more as time goes on, you might think that it makes sense to wait and invest more later.

However, when you look at the example below you’ll see how big an impact delaying could have. You might be forgiven for thinking that investing twice as much on a monthly basis for half the time will achieve the same goal. That’s not the case at all.

Start now and see the benefits

If you invest US$1,000 each month into an investment plan for over 30 years you might end up with a pot of around US$835,000*.

However if you decide to leave it for 15 years and then put in twice as much, so US$2,000 each month, your pot might only be worth around US$536,000* i.e. the end result is almost 1/3 less than if you had started earlier, even though you have put in the same total amount.

*Important notes

Pot values quoted assume an annual growth rate of 5% over the periods indicated. These figures are indicative only and not based on an actual investment. There is no guarantee of the annual growth rate. You will be subject to investment and market risks.

 

Cost of delay

So remember, the longer you delay, the more money you will need to put in to achieve a particular lump sum and investing twice as much for half the time is not the answer.

It may be stating the obvious, but when it comes to long-term investing, the sooner you start, the greater the opportunity to build up a bigger fund pot for your future.

What might not be so obvious is just how big that effect can be.

Investing in an investment-linked assurance scheme may be one of the options for you to reach your financial goal.

Ask your financial adviser for other examples of the impact of delaying starting your plans or for our ‘Your guide to regular investing’ brochure.

Now’s the time to start planning. Now’s the time to talk to Standard Life. Ask your financial adviser for details.

I always thought I’d be able to catch-up by investing more later in life when I was earning more. I now realise I should’ve started years ago

It’s easy to put off starting planning. But remember, investing twice as much for half as long may not be the answer.

Find out more. 

www.standardlife.hk

Disclaimer: The above information is for reference only and should not be construed as legal, tax and investment advice. You should seek professional advice regarding your tax circumstances and the types of investment that are suitable for you. Investing in investment-linked assurance scheme involves investment risks. Past performance is not indicative of future performance.