Starting out

Breaking the paycheck-to-paycheck cycle and help you achieve the dream of making the first pot of gold

Financial planning tips for fresh graduates

About to graduate? Start a savings plan to stop living paycheck to paycheck

  • Review your net worth: Before graduation, review your personal net worth by subtracting any liabilities (such as grant loan, credit card debt, etc.) from your total assets (such as scholarship, savings, etc.) to assess your financial condition. This way, you can manage any changes in your personal net worth effectively when starting out.
  • Track your daily expenses: Do you find yourself spending too much on graduation trips and interview attire? To avoid living paycheck to paycheck, you can first gain a clear understanding of your spending patterns by starting expenses tracking. Setting up a feasible savings goal also helps review your spending habits and make progress towards your financial goals.
  • Say goodbye to the hassle of entering records manually! Money Master  automatically tracks the expenses from your Hang Seng Hong Kong Dollar accounts and credit cards. If you want to reflect your financial condition more accurately, you can add, edit or exclude particular expense.
  • Build up your financial planning and investment knowledge: Understanding more about financial planning and investment concepts may help you reduce unnecessary investment risks. Fresh graduates can equip themselves with finance and investment knowledge to prepare for a prosperous future. 

Starting out: Effective financial planning to earn your first pot of gold

  • Fresh graduates might not make their first pot of gold just by saving their starting salary, yet getting started on financial planning with suitable wealth management or investment products might help. Investing is not as complicated as it may seem. You may kick start your investment journey by spending time to understand different investment products, define your investment budget and understand your investment needs and affordability. The sooner you start investing, the sooner you start gaining investment experiences and better opportunities to generate passive income for achieving your first pot of gold.
  • Before making any investment, it is important to understand your risk tolerance by conducting a thorough risk assessment. In addition, assess your financial affordability and not to forget about additional service charges as one of the considerations. Below are some common investment products with different risk levels and potential returns. Make your investment decisions sensibly based on your financial and risk profile to suit your needs and personal circumstances.
  • Funds: Professional management is one of the features of investment funds. Fund managers make investment decisions and manage risks based on the investment goals and the market's trends. Even beginners can invest in stocks in various countries or industries, which may help with risk diversification. Hang Seng SimplyFund offers a fund platform requiring relatively low investment principal. Investors can start fund investment with as low as HKD 1 to seize global investment opportunities.
  • Stocks: Being optimistic about a company's future? You may consider buying its shares to earn potential returns. There are many Monthly Investment Plans for Stocks in the market, opening doors for fresh graduates to invest in stocks with a relatively low investment threshold. These monthly plans also help reduce the risk arising from short-term market fluctuations. Again, you are always encouraged to well-consider your investment objectives, financial affordability, risk tolerance level, etc. before making any investment decisions.
  • Savings insurance plans: Saving insurance is a secure and low-risk wealth management option. As long as you pay the premium accordingly, you can get a guaranteed cash value upon maturity. With our 5-Year eEndowment Life Insurance Plan[1], you can develop a good habit of saving money with monthly and annual payment modes, grow your wealth at minimal risks, and benefit from lifetime savings protection that can provide you with extra assurance.
  • Financial planning is an ongoing process, so reviewing your savings plan and investment portfolio from time to time is necessary to achieve your financial goals.

Strengthen your health and wealth with continuous management

  • When pursuing your first pot of gold, remember health is always your greatest wealth. Reinforcing health management to build a stronger body is crucial especially for those with sedentary lifestyle. Now, with Hang Seng Olive Wellness App, you can track your daily steps and turn them into rewards, enjoying wellness and rewards all in one place.
  • Your company's medical insurance may provide you with basic protection. You may consider buying another medical insurance plan depending on your healthcare needs and budget. The government-certified Voluntary Health Insurance Schemes could be your option, which not only offer you a comprehensive medical insurance protection, and the eligible premium could apply for tax deduction.

Start managing your wealth with Preferred Banking

Explore our products


  • Start your fund investment with HKD 1 only and enjoy monthly fee as low as HKD 0
  • Diversified funds for your selection
  • Enjoy a wealth of useful knowledge on our simple platform
Investment involves risks.

Voluntary Health Insurance Scheme Series

  • Certified by the government
  • Enhanced cover including unknown pre-existing conditions
  • Eligible for tax deduction
The Voluntary Health Insurance Scheme Series are underwritten by Bupa (Asia) Limited.

Read on to realise your key life moments

Financial Independence, Retire Early (FIRE)

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Fund 101

Learn about fund features and how to invest at less cost

Comparing investment products

A simple comparison of 3 types of investment products: funds, stocks and ILAS

Products eligible for tax deductions

Learn about products eligible for tax deduction

Explore other moments


Other point(s) to note

All investments involve risks (including the possibility of loss of the capital invested). Prices of securities and 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 securities and investment products should be read in detail before making any investment decision.


  1. Please note the relevant product risks. The above life insurance plan is underwritten by Hang Seng Insurance Company Limited.