HSBC Reddit Mentions | ChartExchange

I would suggest to look at the r/singaporefi sub which has some similarities to HK (specifically with respect to Zero Capital Gains Tax + benefits of UCITS ETFs for taxation purposes). Of course, HK has an advantage over Singapore from an investment POV when it comes to the HKD being pegged to USD within a 1% range.
Specifically, look at the Singapore-focused [semi-detailed 2025 guide which suggests popular ETFs](https://www.reddit.com/r/singaporefi/comments/1mu8b2v/a_semidetailed_2025_guide_to_financial/) . Based on this, I would recommend 100% [VWRA](https://www.justetf.com/en/etf-profile.html?isin=IE00BK5BQT80) over an 85% VHVG, 15% VFEG asset allocation, since you'll achieve a similar asset allocation in the end with similar fees (0.14% TER) while gaining the advantage of automatic rebalancing within the ETF without any efforts on your part. Besides, you'll save on transaction fees at Interactive Brokers too.
Also, since you mentioned that you're still building your emergency fund, I would also recommend you to do the following if you haven't done so yet:
**Emergency Funds**
Keep the emergency fund in [VDST](https://www.vanguard.co.uk/professional/product/etf/bond/9933/us-treasury-0-1-year-bond-ucits-etf-usd-accumulating) or similar Short Term Bond ETFs for high liquidity. HK banks usually give 2-3% interest even for Time Deposits or Mortgage Linked accounts, so the 3.9% yield with VDST is a great deal at the moment
**Insurance**
* If you haven't done so yet, sort out your insurance. Get VHRS Term Medical Insurance, e.g. [Bowtie Pink](https://www.bowtie.com.hk/en/insurance/vhis/bowtie-pink-v2) or [AIA SelectWise](https://www.aia.com.hk/en/products/health/vhis-select-wise) which can give you around HK$8-12 million per year + HK$40-60 million per lifetime coverage. This hedges against long delays in the HK public medical system.
* Also get Term Life Insurance if you have dependents, again [Bowtie](https://www.bowtie.com.hk/en/insurance/term-life-v2) is a good deal as it allows up to HK$20 million Term Life Insurance coverage at minimal fees. This hedges against loss of long-term income for your family.
* You can optionally consider Term Critical Illness (CI) Insurance too, e.g. [Bowtie](https://www.bowtie.com.hk/en/insurance/critical-illness) or [AIA SimpleCare Essense](https://www.aia.com.hk/en/products/health/simple-care-essence) . This is to hedge against loss of income for 6 to 12 months if you get a critical illness like cancer/stroke etc.

**MPF**
* [HSBC ValueChoice](https://www.hsbc.com.hk/mpf/funds/) series of funds (specifically North America + Europe + Asia Pacific Equity Tracker Funds) give you good worldwide equity exposure at relatively low fees (as low as you can get with MPF). The Core Accumulation Fund has lower fees and uses the FTSE MPF All-World Index but it also has a 60-40 stock-bond mix which may not be what you want.
* If you haven't done so, consolidate your personal contributions to an MPF provider of your choice. Using the [Employee Choice Arrangement](https://www.mpfa.org.hk/en/mpf-system/mpf-account-management/transferring-mpf), you can transfer the personal part of your MPF contributions once a year too.

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