Introducing our new enhanced Strategic Financial Planning Platform
which features the Goal Planner for goal tagging and tracking, in conjunction with the award-winning Wealth Master portfolio analysis tool. This platform assists customers in creating personalized financial plans to achieve personal and family's financial goals.
You are welcome to visit any Hang Seng branch to consult with our wealth management experts on comprehensive family financial goals and portfolio allocation strategies. Additionally, you can access the Goal Planner feature anytime, anywhere through the Hang Seng Mobile App to review your established goals. Stay informed about your progress and identify any gaps with this convenient tool at your fingertips.
Financial Planning
Process
Process
Establish Financial Goals
Conduct Gap Analysis by Goal Tagging
Analyze Assets and Formulate Financial Plans
Regularly Review Progress Towards Goals
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Your Relationship Manager will understand your financial situation and your family financial planning needs, helping you establish goals and determine the required target amount.
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You can link your financial planning target to your Hang Seng Personal Integrated Account or Family+ Account, and the system will continuously track the account's assets to perform wealth forecasting and shortfall analysis.
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You can use the Wealth Master Portfolio Analysis Tool to evaluate your portfolio, compare it against market benchmarks, conduct an in-depth analysis of past performance and resilience to volatility. We make adjustments as needed to optimize your asset allocation, ensuring that your asset distribution aligns with your financial goals.
Contact your relationship manager to discuss the diverse investment and insurance products offered by Hang Seng Group, tailored to your financial situation and planning needs.
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After establishing your goal plan, your Relationship Manager will regularly review the status of your portfolio and the progress towards achieving your goals. Adjustments to your asset allocation are made periodically as needed to help you effectively reach your goals. You can also use the Goal Planner feature in the Hang Seng Mobile App to monitor your progress anytime, anywhere.
How does Wealth Master work?
Award winner FinanceAsia Awards 2025 -
Best Strategic Initiative - Banks
| Domestics
Wealth Master
Wealth Master in mobile
How Wealth Master can help you:
Portfolio Analysis
Wealth Master will provide an overview of your portfolio to let you understand the asset concentration, analyze past performance, and help to rebalance your desired portfolio.
The screen displays are for reference and illustration purposes only.
Historical Scenario & Past Performance Analysis of Asset Allocation
The analysis offers you a comprehensive performance review and back testing, such as simulated historic portfolio returns, historical scenario analysis and benchmark comparison.
The screen displays are for reference and illustration purposes only.
Comparison of Current Portfolio vs Reference Portfolio
A reference portfolio is generated by our bank’s specialist team in order to give reference to you for diversification.
For an overview of reference portfolios, please visit:
4 Steps to Asset Allocation
The screen displays are for reference and illustration purposes only.
Illustration of Mobile Wealth Master
Step by step flow on Mobile App
1
Click "SimplyFund" or "Investment Funds" >
"Fund Holdings / Trade"/ Wealth Master
2
a. Click "Wealth Master" at "SimplyFund" page
b. Click "Wealth Master" at "Investment Funds" page
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View the past performance and historical scenario analysis of your portfolio. Also you can compare with market benchmark
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View your current fund portfolio, and you can click “View details” for more information. Also view the result after comparison with reference portfolio
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If you want to have a more comprehensive analysis, click “Contact relationship manager” or if you want to explore funds online after the comparison, click "Search for funds" to choose for equity funds or bond funds
Want to create your personalized financial plan?
Remark:
- Bond Funds may invest in a variety of debt securities, including but not limited to, bonds, loans, fixed-rate or floating-rate debt securities.
Important notes and disclaimers
- 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).
- The performance of the customer's individual investment portfolio depends on the performance of the actual investment products chosen by themselves, the actual market situation and other factors. There is no guarantee that it can be close / similar to the performance of the target portfolio designed by the customer. The relative risk level of particular investment products chosen by the customer to build their investment portfolio may be lower or higher than the Risk Tolerance Level deduced from their Risk Profiling Questionnaire. Product Suitability and its risk should be carefully evaluated by the customer before making any investment decision.
- No consideration has been given to any particular investment objectives or experience, financial situation or other needs of any customers. Customers must make their own assessment of the relevance and adequacy of investments in the target portfolio. They should not only base on Wealth Master to make investment decisions. Customers should carefully consider whether the relevant investments are suitable for them in view of their own investment objectives, investment experience, financial situation, risk tolerance abilities and other needs etc., and consult independent professional advisers where necessary.
- The information provided in Wealth Master shall not be construed as a recommendation on the portfolio reallocation. More generally, making available to you any advertisements, marketing or promotional materials, market information or other information relating to a product or service shall not, by itself, constitute solicitation of the sale or recommendation of any product or service. It is your sole discretion to decide on any rebalancing target asset allocation.
- All investments involve risks (including the possibility of loss of the capital invested). Prices of investment products may go up as well as down and may even become valueless. Past performance information presented is not indicative of future performance. The risk disclosure statements and the offering documents of the relevant investment products should be read in detail before making any investment decision.
- Transactions which are pending settlement have not been taken into account in the holding position of current holdings. Holding position of current holdings (including but not limited to the number and nominal value of various investment products/assets held) and market price data may not be based on real-time data, but may be based on the latest information available in the bank system.
- Goal Planner is designed to provide an understanding of what the value of your savings and investments might be in the future and identify any shortfalls from the target you've set. The results are based on the information you provide and Hang Seng Bank's assumptions for growth and inflation rates. The illustration is presented on a gross basis and doesn't include any fees and charges that may apply to relevant wealth management products.
- Please note that the data shown on Goal Planner is indicative only; it's neither guaranteed nor represents the maximum or minimum amounts. In the worst-case scenario, it's possible to lose the entire investment - the value of the investments may become zero.
- Information provided in this tool is for general information and reference only and does not constitute nor is it intended to be construed as any professional advice, offer, solicitation, or recommendation to deal in any securities, investment or insurance products.
- This tool and the information of products and services referred to in this tool are not intended for distribution or use by any person in any jurisdiction, country or region where it would be restricted and not be permitted by law or regulation. If you're outside of Hong Kong, we may not be authorised to provide you with the products and services in the country or region you're located or reside.
- The performance of your individual investment portfolio depends on the actual investment products you choose, the market situation and other factors. There's no guarantee it'll be close / similar to the performance of the target projection. The relative risk level of particular investment products you choose may be either lower or higher than the result deduced from your Risk Profiling Questionnaire. You should carefully evaluate the product suitability and its risk before making any investment decision.
- Investment involves risks, including potential loss of the capital invested. Prices of investment products may go up as well as down and may even become valueless. Past performance information presented isn't indicative of future performance. The risk disclosure statements and the offering documents of the relevant investment products should be read in detail before making any investment decision. You should carefully consider whether the relevant investments are suitable for you in view of your own investment objectives, investment experience, financial situation, risk tolerance abilities and other needs etc., and consult independent professional advisers where necessary.
- We don't have sufficient information to project an accurate future tax payment, therefore it isn't included in the projection. You're advised to exercise caution in relation to tax matters. Goal Planner doesn't provide any form of tax advice. Hang Seng doesn't provide legal, tax or accounting advice, and you should obtain independent professional advice when appropriate.
- For more details, you can refer to the Goal Planner Model Assumption.