In Hong Kong, the belief in ‘standing firm by 30’ is deeply ingrained. This age marks a significant turning point in life, as well as a crucial time to assess and carefully plan your finances. Many people ask, ‘How much should I have saved by 30? How can I save money in a way that meets my current needs while also securing my future?’ While there is no fixed answer, these questions highlight the importance of saving. Savings are the foundation of financial management. In this article, we will explore the financial goals you should aim for by 30 and effective saving strategies to help you navigate challenges with confidence and lay a solid foundation for your personal goals.

According to the Health Bureau, by September 2022, the number of VHIS policies had exceeded 1 million, reflecting a growing awareness of healthcare planning among Hong Kong residents. However, the number of individuals eligible for VHIS is much greater. If you or a loved one have yet to consider joining VHIS for various reasons, this article offers a useful overview of its fundamental concepts and considerations for making an informed choice.

As the saying goes, ‘Scammers are always coming up with new tricks.’ Beyond common scams such as online job scams, fake reviews, ‘guess who I am’ schemes, and romance fraud, phone scams have also infiltrated the insurance industry. Scammers often impersonate government agencies or employees of large corporations, using seemingly legitimate reasons to deceive individuals into revealing personal information, ultimately to illegally obtain money. These types of scams not only disrupt people's everyday lives but can also result in substantial financial losses. Therefore, understanding the latest insurance phone scam tactics and how to protect yourself is crucial for everyone.