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    Prestige Banking: Wealth Management

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    Wealth management services

    To address your unique wealth management needs, we offer wealth planning services provided by a professional wealth management team made up of your dedicated Relationship Manager, 24-hour Wealth Service Team, financial advisors and specialists in various areas of finance. We keep you abreast of market moves and present insightful strategies to help you realise your financial goals.

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    Want to know more about Prestige Banking?

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    Our professional wealth management team

    Dedicated Relationship Manager

    You can contact your dedicated Relationship Manager through multiple channels via Prestige RM Connect. 

    After simple confirmation without downloading extra apps, you can start instant messaging with your dedicated Relationship Manager via WhatsApp or official WeChat Mini Program.

    24-hour Wealth Service Team

    Our 24-hour Wealth Service Team is ready to support your needs round the clock.

      Services include:

    • Help you plan your wealth and explore suitable management solutions
    • Subscribe for and redeem investment funds, bonds and other wealth management products[1]
    • Complete or update your risk profiling record to understand your risk appetite and investment needs
    • Complete a Financial Health Check to evaluate your financial position and set your goals
    • Provide market information and house views as reference

    Talk to a member of our 24-hour Wealth Service Team via Click-to-Call or Live Chat on Hang Seng Mobile App, or by calling (852) 2998 9188 to manage your wealth anytime. Investment involves risk.

    Financial Advisors

    Investment consultants

    We will provide the information and strategies to help develop tailor-made investment proposals to match your goals.

    Insurance consultants

    Let our team to navigate a vast range of insurance options for you. You can simply choose your ideal plan for life insurance, health insurance, etc.

    Mortgage consultants

    We offer you a one-stop mortgage service to help you achieve your home ownership plans.

    Qualified Retirement Advisors

    Our retirement financial advisory team will help you define your retirement goals and develop financial plans to realise them.

    Portfolio analysis

    Get insights on how to allocate your assets and diversify your investments with our portfolio analysis tool Wealth Master[2]. You can use this tool to:

    • Check if your asset distribution is overly concentrated, which helps you to rebalance your portfolio
    • Analyse your portfolio's past performance
    • Get a comprehensive performance review and perform back testing, such as simulated historic portfolio returns, historical scenario analysis and benchmark comparison
    • Compare your investment with our specialist team's reference portfolio

     

    In addition, Wealth Master helps you analyse your fund portfolio also on Hang Seng Mobile App. You can view your asset allocation and compare it with a reference portfolio that matches your risk tolerance level. You can even contact your relationship manager to get a comprehensive analysis and search for funds online anytime.

    For more details, please click here. 

    Financial experts view

    We provide you with the latest market insights and professional investment commentary to catch up with market trends. Our team of experts will host regular webinars to provide the latest market information and insights.

    Wealth Management At Your Fingertips

    One-stop wealth management platform My Investment

    My Investment helps you manage your investments through the Hang Seng Personal Banking app. View your investment asset allocations and holdings at a glance and track your stock picks in real time. You can also view top performing investment products and capture up to the minute market dynamics. Learn more about My Investment.

    In addition, Wealth Master helps you analyse your fund portfolio on Hang Seng Mobile App. You can view your asset allocation and compare it with a reference portfolio that matches your risk tolerance level. You can even contact your relationship manager to get a comprehensive analysis and search for funds online anytime.

    Investment Cart: Seamless wealth management experience from offline to online

    After our relationship manager explained and prepared the investment proposal tailored for you , you can review the discussed proposal at Investment Cart on Personal e-Banking, subscribe investment products[3] directly in a few steps within 30 days, view and download transaction-related documents in My Documents within 90 days. You can enjoy seamless wealth management experience no matter at branch or online. 

    Cross-boundary Wealth Management Connect

    Cross-boundary Wealth Management Connect offers cross-boundary financial and wealth management services. Individual residents in the Guangdong-Hong Kong-Macau Greater Bay Area can purchase eligible cross-boundary wealth management products. Learn more about Cross-boundary Wealth Management Connect.

    Benefits at a glance

    Contact us

    Call us

    Prestige 24-hour Prestige Manned Hotline

    (852) 2998 9188

    Visit our branches

    Find your nearest branch

    Footnote

    Risk disclosure and other point(s) to note

    1. Investors should note that all investment involves risks. Prices of securities and investment products may go up as well as down and may even become valueless. Investors should read in detail the offering documents and the Risk Disclosure Statement of the relevant securities and investment products before making any investment decision. Terms and conditions apply. Please refer to the terms and conditions of respective products on banking products and privileges.
    2. Please read Hang Seng Prestige Terms and Conditions.
    3. Investment funds
      • Investors should note that all investments involve risks (including the possibility of loss of the capital invested), prices or value of investment fund units may go up as well as down and past performance information presented is not indicative of future performance. Investors should read carefully and understand the relevant offering documents of the investment funds (including the fund details and full text of the risk factors stated therein) and the Notice to Customers for Fund Investing before making any investment decision. Investment funds are investment products and some may involve derivatives. Investors should carefully consider their own circumstances whether an investment is suitable for them in view of their own investment objectives, investment experience, preferred investment tenor, financial situation, risk tolerance abilities, tax implications and other needs, etc., and should understand the nature, terms and risks of the investment products. Investors should obtain independent professional advice if they have concerns about their investment.
    4. Bond
      • Investors who purchase bonds/CDs are exposed to the credit risk of the issuer and guarantor (if any) of the bonds/CDs. There is no assurance of protection against a default by the issuer/guarantor in respect of the repayment obligations. In the worst case scenario, any failure by the issuer and the guarantor (if any) to perform their respective obligations under the bonds/CDs when due may result in a total loss of all of your investment
    5. Risk Disclosure of FX and Precious Metal Margin Trading Services
      • The risk of loss in leveraged foreign exchange and precious metal trading can be substantial. You may sustain losses in excess of your initial margin funds. Placing contingent orders, such as “stop-loss” or “stop-limit” orders, will not necessarily limit losses to the intended amounts. Market conditions may make it impossible to execute such orders. You may be called upon at short notice to deposit additional margin funds. If the required funds are not provided within the prescribed time, your position may be liquidated. You will remain liable for any resulting deficit in your Account. You should therefore carefully consider whether FX and precious metal margin trading is suitable for you in light of your own financial position and investment objectives.
      • Renminbi (RMB) is subject to foreign exchange control by the PRC government. If your Margin Trading Contract involves Offshore Renminbi, you will be subject to foreign control and currency risk of RMB.
      • Trading on an electronic trading system may differ from trading on other trading systems or platforms. You will be exposed to risks associated with the system including the failure of hardware and software, which could result in your order not being executed according to your instructions or at all.
      • Investment involves risks. The above risk disclosure cannot disclose all the risks involved. You should read and understand all the relevant documents and risk disclosure (in particular, the Risk Disclosure Statement contained in the relevant application form) before making any investment decision.
      • If you are uncertain of or do not understand the nature of and the risks involved in leveraged foreign exchange and precious metal trading, you should seek independent professional advice.
    6. Securities Trading Risk Disclosure
      • Investors should note that investment involves risks. The prices of securities fluctuate, sometimes dramatically. The price of a security may move up or down, and may become valueless. It is as likely that losses will be incurred rather than profit made as a result of buying and selling securities.
      • Investors should note that investing in different Renminbi-denominated securities and products involves different risks (including but are not limited to currency risk, exchange rate risk, credit risk of issuer / counterparty, interest rate risk, liquidity risk (where appropriate)). The key risks of investing in A-shares of Stock Connect Northbound Trading include:
        • Transactions under the Northbound or Southbound Trading of Shanghai-Hong Kong Stock Connect / Shenzhen-Hong Kong Stock Connect will not be covered by the Investor Compensation Fund in Hong Kong.
        • Once the respective quota is used up, trading will be affected or will be suspended.
        • Stock Connect Northbound Trading will only operate on days when both markets are open for trading and when banks in both markets are open on the corresponding settlement days. Investors should take note of the days the Stock Connect Northbound Trading is open for business and decide according to their own risk tolerance whether or not to take on the risk of price fluctuations in securities during the time when Stock Connect Northbound Trading is not trading.
        • When some stocks are recalled from the scope of eligible stocks for trading via Stock Connect Northbound Trading, the stocks can only be sold but NOT bought.
        • Investors will be exposed to currency risk if conversion of the local currency into RMB is required.
        • Foreign securities carry additional risks not generally associated with securities in the domestic market. The value or income (if any) of foreign securities may be more volatile and could be adversely affected by changes in many factors. Client assets received or held by the licensed or registered person outside Hong Kong are subject to the applicable laws and regulations of the relevant overseas jurisdiction which may be different from the Securities and Futures Ordinance (Cap.571) and the rules made thereunder. Consequently, such client assets may not enjoy the same protection as that conferred on client assets received or held in Hong Kong.
        • Investors should not only base on this material alone to make any investment decision, but should read in detail in the relevant risk disclosure statements.
    7. IPO Stocks Risk Disclosure
      • Investors should note that all investment involves risks. Prices of securities may go up or down and may even become valueless. Investors should read the relevant prospectus for detailed information about the proposed offer and seriously consider if investment in the relevant shares is suitable for his/her investment needs by reference to his/her financial situation, investment experience, investment objectives and other conditions and needs before deciding whether to invest in the relevant shares. If required, investors should obtain independent legal, financial and other professional investment or other advice before making any investment decision.
    8. Forex risk
      • RMB Currency risk

        • Renminbi ("RMB") is subject to exchange rate risk. Fluctuation in the exchange rate of RMB may result in losses in the event that the customer subsequently converts RMB into another currency (including Hong Kong Dollars). Exchange controls imposed by the relevant authorities may also adversely affect the applicable exchange rate. RMB is currently not freely convertible and conversion of RMB may be subject to certain policy, regulatory requirements and/or restrictions (which are subject to changes from time to time without notice). The actual conversion arrangement will depend on the policy, regulatory requirements and/or restrictions prevailing at the relevant time.

      • Foreign Currency Risk

        • Foreign Exchange involves Exchange Rate Risk. Fluctuations in the exchange rate of a foreign currency may result in gains or losses in the event that the customer converts HKD to foreign currency or vice versa.

    9. Gold Trading Risk Disclosure
      • The price of gold may go up as well as down and the past performance of price of gold is not indicative of future performance.
    10. Hang Seng has never authorised any intermediaries for local account openings. While opening your Hang Seng personal account, please don't share your information with third parties, or engage with any intermediaries. Contact our branch in case of any queries.

    Remark(s)

    1. Including Securities Trading, IPOs, Foreign Currency Exchange (FX), FX & Precious Metals Margins, Time Deposits and Gold
    2. Wealth Master aims to help customers understand their asset allocation and facilitate their investment planning to achieve their own financial goals. No asset allocation and/or product recommendation will be made by Hang Seng Bank Limited (the “Bank”). No representation is made to the appropriateness of any of the securities and/or investment products referred to herein for any particular person’s circumstances. The information of Wealth Master is for general reference only and information presented is not indicative of future performance of any assets. There is no guarantee that target portfolio can achieve any results or can be used as reference under any market conditions. Wealth Master does not and is not intended to provide any professional financial, investment or other opinion or advice, nor should it be considered as a recommendation to deal in any investment products, investment portfolio management service or ongoing portfolio monitoring services. No financial or investment decision should be made solely based on Wealth Master (including the results). Investment involves risks (including the possibility of loss of the capital invested). Investors should read in detail of the the Risk Disclosure Statement of the relevant investment products.
    3. Only limited to investment funds classified as non-complex product, which are defined under the SFC's Guidelines on Online Distribution and Advisory Platforms.

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