Your long-term
savings solution.

Exposing the savings secret that banks and financial advisors don’t want you to know.

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The Savings Secret

Take control for a better outcome

Through a smart combination of equity investments now and a commitment to save in cash later you can reach a higher savings goal, and without the need for a financial advisor.

Equities are great for long-term savings goals

Historically, equities have outperformed bonds and lower fixed-rate savings products. This makes them ideal to achieve higher long-term savings goals.

The Smart Save solution

Smart Save is a ground-breaking toolkit that helps you plan your financial success through long term equity investment and cash savings.

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Setting your goal in 3 easy steps

Equities increase more in the long-run, but in the short-run they can also go down.

To provide certainty in reaching your target through these fluctuations, you can make a commitment to save more in cash in the future. This is your ‘self-guarantee’. But it’s only required at the end of the product if equities haven’t performed in the long-run, which we know they generally do.

So, although you make a commitment for a self-guarantee, the chances are that you won’t have to use it.

Long-term equity graph Smart Save helps manage the ups and downs of equities to achieve higher returns in the long-run


Set your target rate of return


Set your risk threshold


Select your self-guarantee options in order to achieve these targets

Calculate Your Return


How do you want to start?
How much do you want to save each month?
How many years are you saving for?
Which investment index do you want to invest in?
What’s your target rate of return?
Risk threshold – the maximise chance the self-guarantee is required

What chance will you take that additional savings in cash will be required towards the end of the savings period?

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Simple Pricing

HKD25 / month no matter how large your investment pot grows.

Flat fee

Revolutionary Flat Fee

All online investment platforms and offline advisors charge a fee as a percentage of your investment pot. With the Smart Save toolkit, however, you can invest with confidence directly in ETFs and cut out this percentage based fee.

How Much Can You Save On Fees?

With an investment pot of HKD500,000 the fee saving is large. The Smart Save flat fee of HKD 25 a month is HKD300 per year. As an example, a 1% fee from an alternative provider would work out at HKD5,000 per year.

Why Smart Save

Equities have increased more than other assets over the long-run. It’s therefore smart to invest in equities for your long-term savings goals.

Historically, equities have outperformed bonds and lower fixed-rate savings products. And if you’re saving for a long-term savings goal, then this is exactly the same time period when equities outperform.

So this got us thinking: Why don’t long-term savers simply invest in equities? It used to be that there were no low cost ways to track the markets, but that has been fixed with ETFs (exchange traded funds). Therefore the answer lay in the uncertainty around long term ‘ups’ vs short term ‘downs’. So, at Smart Save, we set about devising a toolkit to help savers solve this problem, and in doing so we have created a solution that gives complete control and flexibility back to customers.

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Accessible Funds

Accessible Funds

Historically, there had been no low cost access to funds tracking the equity markets. However, with the recent introduction of low cost ETFs (exchange traded funds) for the first time this is now available.

Accessible Funds

Long Term Play

In the short term, equities go down as well as up, and so it’s difficult for individuals to know how to ride out this short term volatility with confidence, in order to reach the long term out performance.

What We Do For You

  • Save you money through low fees
  • Let you pick your preference and exposure to investment returns
  • Enable you to manage investment risk through a self-guarantee framework and a toolkit to track your position as often as you like
  • Give you flexibility to respond appropriately to situations once they’ve arisen, rather than locked-in by terms and conditions

Calculate Your Return


  • What are Exchange Traded Funds (ETFs)?

    ETFs are funds that track an index, such as the Hang Seng Index or FTSE 100. They trade like a common stock, with changes in their value mirroring the index they are tracking. They provide a low cost solution to track overall market performance.

  • How are the Smart Save returns calculated?

    All of the information provided is based on historical equity market performance. This data is difficult to assess on an individual basis, and so at Smart Save we built a system to aggregate the data and then a toolkit to enable customers to pick the situation which matches their needs. This toolkit is built on over 100k scenarios of the underlying data.

  • What is the process for the self-guarantee?

    When setting your savings goal you make a commitment to save more in the future (in cash) if necessary. This is your ‘self-guarantee’ and you can decide whether it’s 1.5 x your normal savings amount, 2 x or 3 x etc. You typically won’t need to enact this, as equities generally outperform. However, if equities don’t perform as expected, this is your mechanism to ensure that you will still reach your savings goal. At this point, you continue to save in cash at your committed rate (as well as transferring your existing equity position into cash) in order to reach your target. As the value of cash does not change over time, this is how you can create a savings plan directly without the need for a financial advisor.

  • What is the chance of requiring the self-guarantee?

    The chance of requiring the self-guarantee depends on the level of your savings target. You can therefore set your target to make this chance as high or as low as you feel comfortable with. In general the chance will be low as the self-guarantee is only required if equities don’t performed in the long-run, which we know they generally do.

  • Why are the returns for the self-guarantee outcome sometimes negative?

    The self-guarantee process is a way to ensure that you still reach your absolute savings goal even if equity markets don’t perform as expected. As such, it involves contributing more in savings towards the end of the plan period (in line with your committed rate) and so sometimes the overall return can be negative. However, the result is that you still reach your absolute savings goal. Moreover, you are not locked into any future decisions, and so if your situations change then you have complete flexibility to change as you see fit.

  • What happens if equity markets fall?

    The self-guarantee commitment to save more in the future enables you to ride through short-term market fluctuations. If equity markets fall in the long-run, then the self-guarantee process kicks in to ensure that you still reach your absolute savings goal.

  • How does this compare with existing products?

    Cash at the bank earns 0% p.a. and a 10 year savings product from insurance companies offers returns of about 2% p.a. Investing in equities via the Smart Save toolkit enables you to gain exposure to equity market returns in the range of 6-12% p.a., depending on your preferences.