FAQ

1. What YOU need to know before starting?

--> Why do I need an objective?
--> How should I plan for my retirement?
--> How much should I save for my retirement?
--> Why do I need life insurance?
--> How can I plan for my children's education?
--> As a small business owner, how do I plan for my own and my employees' needs?
--> How should I invest my money?
--> What should a financial plan include?
--> With reference to the L shape performance of Nikkei, it seems to me that long term investment is no longer valid. Why should I need to keep a long term plan?

2. What Makes Alroy Different?

--> Some financial institutions have severely suffered from financial tsunami. How Alroy can ensure my money is saved? Is it a bit dangerous for me to put my money with you?
--> I have no idea about wealth management. What kind of services Alroy would support?
--> How do Alroy manage the risks involved in my plan?
--> There are many companies offering a broad range of wealth management products. But how do I know Alroy is the best?
--> How can I believe Alroy to manage my portfolio with consistently strong performance, even in the most difficult economic climates?

3. How to Start?

--> How would Alroy help me setting up my financial plan?
--> What kind of payment methods you accept?
--> Can I change the payment frequency for my regular saving plan?
--> I am a non-HK resident. Who can I contact regarding your product and services?

4. What After?

--> How can your team support me after I purchase the product?
--> How can I get updated market information from you?

Why do I need an objective?

It is very important to have a financial objective as it can help you assess levels of risk. For example, if you are saving for retirement in 30 years, you might want to choose a financial plan with a higher risk level to strive for a better return. If you are saving for your marriage next year, you should not take very high risk given the short horizon. It is very personal as different people have different objectives. So take time to work out what your objective is.

How should I plan for my retirement?

Retirement is the reward for a whole lifetime of work. After years of everyday effort, maybe you're dreaming of traveling, playing golf every day, or spending more time with your family. We'll go through everything you need to know and the questions you need to ask yourself. For example, do you want to maintain your current lifestyle after you retire? How do your MPF benefits factor in? Should you think about estate planning? Our financial advisors can also talk to you about your specific financial goals and concerns. We can show you how long your current savings may last.

How much should I save for my retirement?

The answer depends on your individual situation. We can help you calculate and plan ahead, taking account of:

1. Your desired retirement income
2. The age you intend to retire
3. Your investment risk profile
4. Your current savings
5. How much of your income you are able to save.
6. Our financial advisor will go through with you a fact finding process which gives us an appreciation of your current situation, your objectives, your investment timeframe and your risk tolerance, and this is the starting point for developing the recommendations in your financial plan.

Why do I need life insurance?

Life insurance has several purposes. Its most important function is to replace the earnings that would cease at the death of the insured. For businesses, life insurance is a way to protect key employees and the business itself. A third purpose is to use life insurance to pay potential estate taxes. If you passed away during your earning years, your family could suffer a severe economic loss as a result of losing your current and future income. Unless you're independently wealthy, meeting those expenses may be virtually impossible for your family with the loss of your steady income. Life insurance offers a way for your family to continue living comfortably and without worry.

How can I plan for my children's education?

Funding an education savings plan is one of the most valuable gifts you can give your child, but unfortunately, it can also be one of the most expensive. The annual cost to attend the average UK university for one year (including tuition and room and board) is more than GBP14,000 (or USD19,930). You have to plan for it if you are thinking to send your child to study there some time in future. Starting early is the key factor to reaching your goal. We can't stress enough the importance of early planning, but if you haven't started yet, don't panic. Contact us to learn more details regarding our products and services.

As a small business owner, how do I plan for my own and my employees' needs?

Running a small business can be uncertain, inconsistent and sometimes even volatile. Not only do you need to consider your own financial security and retirement plans, but also those of your employees. Some things you'll want to consider are protecting your assets, reducing your tax liability and ensuring that retirement plans are in place for you and your employees. It's important that your financial strategy covers your basic needs before you invest in anything else, including your business. Do you have an emergency reserve with at least three months of income in savings? Have you purchased adequate insurance to help protect assets such as your home? Contact us to learn more about how we can help develop an investment plan for your personal and business needs, and help you set up retirement plans for your employees.

How should I invest my money?

Your investment strategy should match your attitude towards risk. Generally speaking, if retirement is only a few years away we would recommend secure investments. If retirement is many years away we would recommend a more balanced approach. Our financial advisors can talk to you about your specific financial goals and concerns.

What should a financial plan include?

A financial plan should include a review of your net worth, goals and objectives, investment portfolio, cash flow, investments, retirement planning, tax planning and insurance needs, as well as a plan for implementing your goals.

With reference to the L shape performance of Nikkei, it seems to me that long term investment is no longer valid. Why should I need to keep a long term plan?

Admittedly, long term investment may not be applicable or it may take an unexpectedly long time horizon to recover to some countries due to unsystematic risk. However, long term investment does not mean that investor have to keep a particular investment without changing composition, and difference stages of economic cycle among countries would provide opportunities in some markets. Therefore, with proper active portfolio management, long term investment is still a valid strategy for your wealth management.

Some financial institutions have severely suffered from financial tsunami. How Alroy can ensure my money is saved? Is it a bit dangerous for me to put my money with you?

Alroy is acting as an intermediary between clients and product provider. All monies placed on financial plans would be directly handled by the product provider or bank. Alroy only works with professional and trust-worthy financial institutions. We would deploy due diligence on their background and financial status before embarking on our partnership. The products or platform we chose are safeguarded by regulations or product structure (e.g. third party custodian or trustee). It helps us to ensure your money is under a proper monitoring system.

I have no idea about wealth management. What kind of services Alroy would support?

As a professional financial services company, Alroy provides comprehensive services of wealth management. Compare to other sales-oriented peers, we focus on after-sales services as we believes clients' loyalty is the only way to success. Therefore, we have developed an experienced customer relation team to keep you staying close to us. Regular statement will be delivered to help you to keep track on your accounts' value. Moreover, with support from a decent portfolio management company, we provide weekly and monthly newsletter which give you our house view and market trend.

How do Alroy manage the risks involved in my plan?

Our financial advisors are among the most experienced in the industry, committed to offering thebest of our services, skills and expertise to all our valued clients. We understand the returns from higher risk funds are attractive; whilst the security of lower risk funds is also appealing. We build portfolios that suit your risk profile and the concurrent market situations in order to maximize your potential returns and minimize the risks involved.

There are many companies offering a broad range of wealth management products. But how do I know Alroy is the best?

Alroy always act in our client's best interest, not once in a while, but consistently. This means offering outstanding products and services and being helpful, courteous and quick to follow up. Careful planning is the key to achieving your financial goals. We will evaluate your situation and help you determine which strategies are right for you. Our planning services range from a focused review of a particular planning need to the preparation of a comprehensive financial plan which can identify and tailor solutions for your full spectrum of financial goals.

How can I believe Alroy to manage my portfolio with consistently strong performance, even in the most difficult economic climates?

Many of us will suffer economic recession at one stage or another in our lives. You and Alroy employees, with access to the full scope of our services and resources, work closely towards achieving your financial success. Our experts are highly trained to understand your needs and to help you develop the financial strategies that can satisfy you—today and over the long term.

How would Alroy help me setting up my financial plan?

Our financial advisor will go through with you a fact finding process which gives us an appreciation of your current situation, your objectives, your investment timeframe and your risk tolerance, and this is the starting point for developing the recommendations in your financial plan.

What kind of payment methods you accept?

For regular savings products, you can pay initial payment by bank draft, cheque, or credit card. The subsequent payments can be paid through bank standing order, credit card, cheque or direct debit. For lump sum products, you can pay by bank draft, cheque or telegraphic transfer.

Can I change the payment frequency for my regular saving plan?

Yes. Alroy has an experienced customer relation team to provide the after-sales service. We will help you to prepare all the necessary documents and change your payment pattern as requested.

I am a non-HK resident. Who can I contact regarding your product and services?

Careful planning is the key to achieving your financial goals. Our Financial Advisors will evaluate your situation and help you determine which strategies are right for you. You can visit our website (www.alroy.com.hk) for details. For questions regarding our products and services designed for you, send an email to This e-mail address is being protected from spambots. You need JavaScript enabled to view it .

How can your team support me after I purchase the product?

Alroy has ample resources and authority to be the best at serving our clients. We must exceed our clients' expectations and constantly make it easier for them to do business with us. Once your plan is in place, our teams will stay in touch and continue working with you to help you achieve your financial goals, using your financial plan as the guide. We'll also keep you up to date on how your investments are performing, with regular statements from the fund managers. You can access our website (www.alroy.com.hk) to obtain the market reports, which include informative market commentary and performance reports on all financial products.

How can I get updated market information from you?

Newsletters give you overviews about market conditions on weekly, monthly and quarterly basis. You may access our newsletters online (www.alroy.com.hk) or request copies.

Can you make money on your plan in long term?

Investment markets can be quite volatile and some investors doubt whether investment can help to achieve their financial targets in long-term. However, you can feel relieve if you refer to the historical data. According to some studies from year 1900 -2000, global stocks generated 9.2% annualized return a year in U.S. dollars, including dividends. In the same period, government bonds around the world generated 4.4% annualized return. Do not forget there are World War, hyperinflation and Great Recession over last 100 years. Of course, equity market never moves in one direction forever. For instance, if you start investment in year 2000, you will only get single digit return until the end of 2010. However, if history is the guide, you should not feel unsecure to the power of long term investment.

Member of Hong Kong Professional Insurance Brokers Association. Membership No. M-437.

The information of this page is for reference only; it does not constitute any selling purpose, solicitation of buying and recommendation for you to participate and complete any transaction.