How to Start Investing? (1)

As they say, “Well begun is half done”. Even though we are familiar with the benefits of investing, we could still be unsure of how to get started. This time we are going to analyze various investing ways for entering the market, and some tiny little details that we have to beware of. Apart from selecting investment products according to our risk tolerances, we can as well classify the entries into four categories, namely stocks, mangers, index funds and financial planners, according to the time and resources needed.
  1. Selecting stocks : Highest level of time and resources requiredIf you are extremely experienced in investing, stocks would undoubtedly be a good fit. But then you would have to take the initiative to research beforehand, in order to set up a truly-suit-you-portfolio which may include stocks, bonds or other securities. You can have full control over your investment, but the only drawback is amateur investors might not have the ability to perform the mix-and-match due to lack of experience, not to mention beating the market. First and foremost, opening an account would open the door to buying stocks. While we can either go to a broker or bank for setting up, the custody fee is cheaper in broker than that in bank, thus it’s more catered to investment newbies’ needs. The setting up process is a piece of cake – we only have to register personal details such as name, HKID and other identity proof! We would also have to transfer at least HK$10,000 from our bank account to broker/bank, and Hooray! You can now invest in stocks. The reasons for the highest level of time and resources are, investors would have to do this on their own in order to beat the market, hence this explains the highest level of devotion. Besides, if we haven’t made our risk tolerance crystal clear, there may be circumstances where we feel overwhelmed by the market volatility. Most importantly, our decisions would be negatively impacted when our cognitive biases come into play.  When you have made up your mind to go for stocks, you can implement a well-balanced portfolio that matches your risk tolerance. Moreover, try to pinpoint your underlying problem through finding out where your cognitive biases unveil.
  2. Selecting fund managers: Moderate level of time and resources required

    Investors decide independently on the type of mutual fund to be executed. This indicates that the funds are managed by professionals, while the only thing that we have to do is to compile a certain amount of capital to sustain the pre-selected fund amongst few investors. A single fund can comprise different assets that you agree on, and having other investors share your burden can totally diversify risks.

    First thing first, setting up an account is still your number 1 thing to do. Investors can feel free to choose from a number of institutions such as Fidelity or Vanguard Hong Kong. Yet, there are some little challenges worth mentioning – although professionals are managing your accounts instead of doing it on your own, the action of selecting an ideal manager could still be influenced by your cognitive biases. Besides, the hidden obligatory costs for hiring managers might top your earnings.

    To minimize the impact brought by your evil biases, you can go for a diversified portfolio that hopefully covers the risks and negative influences. You may also understand the fee for each fund, in order to prevent an unreasonably high expense.

After getting to know the 2 ways to start investing, let’s jump into the other ones next week. Stay tuned! Source:

tiips Calculator





tiips 自2019 年創立至今,2020年完成種子輪融資,唯2021年第四年仍未能籌得新一輪融資,我們作出了艱難的決定,將於2022年2月21號 23:59 終止tiips mobile app 的運作。

我們目前的首要任務是確保用戶積分換取資產及實金買賣服務暢順度及公平性,我們將會分階段停止tiips mobile app 的功能及運作。


所有客戶的黃金儲存於Tiips Services limited。Tiips Services Limited 是獨立第三方信托人,信托或公司服務提供者牌照號碼為TC007559,客戶的黃金儲存於張氏金業有限公司Tiips Services Limited 的戶口。


客戶的Bitcoin存量是儲存在Tips Dollar (HK) Limited 擁有的cold wallet。


31/12/2021 23:59 停止買入實金。

1/1/2022 00:0021/2/2022 23:59 tiips 積分換取資產及賣出實金及Bitcoin 如常進行。而我們將會用 ”買入價” 回購客戶的資產,已回饋客戶多年來的支持。

21/2/2022 23:59 tiips mobile app 停止運作。

1/3/2022 00:0030/11/2022 23:59 人手處理顧客剩餘現金。客戶的剩餘資產將會用2/21/2022 23:59 當刻價格賣出,而相關金額我們會幫顧客保留,而我們將會用電郵方式確認客戶剩餘之金額,客戶可電郵[email protected]Whatsapp 93889879辦理手續領取現全,該現金我們會用FPS 轉賬,手續費維持港幣$3。

1/12/2022 00:0031/12/2022 23:59 我們會將所有顧客未領取的現金捐贈致愛護動物協會。

儘管tiips mobile app 將終止營運,我們往後會集中開發機構客戶市場,以延續寓消費於儲蓄的理念。


tiips was established in 2019 and accomplished its seed funding in 2020. It was with regret that we were still unable to receive the funding for the new round in 2021. Thus, we have unfortunately come to the decision to cease the operation of the tiips mobile app on 21 February 2022 23:59.
To ensure the smooth facilitation and fairness in user points & assets redemption and gold trading, we will close down the functions of tiips mobile app according to different phases.

Safety of Gold

All users’ gold is now stored in Tiips Services Limited, account provided by Cheung’s Gold Traders Limited. Tiips Services Limited is an third party trustee, which its Trust or Company Service Provider Licence number is TC007559.

Safety of Bitcoin

All users’ Bitcoin is now stored in the cold wallet owned by Tips Dollar (HK) Limited.

Timeline as follows:

31/12/2021 23:59 Gold purchases will be suspended.

1/1/2022 00:00 to 21/2/2022 23:59 tiips reward & assets redemption, gold selling and Bitcoin trading will be operated as usual. To express our gratitude throughout the years, tiips will purchase users’ assets at the “BUY PRICE”.

21/2/2022 23:59 tiips mobile app will be ceased to operate.

1/3/2022 00:00 to 30/11/2022 23:59 tiips will manually proceed the users’ remaining cash. Those assets will be sold at the price as of 21/2/2022 23:59, while we will keep the amount of money and email the customers for further confirmation. Customers may email us at [email protected] or Whatsapp 93889879 to collect the cash. The payment will be performed through FPS, and tiips will keep the handling fee at HKD 3.

1/12/2022 00:00 to 31/12/2022 23:59 tiips will donate all the uncollected cash to The Society for the Prevention of Cruelty to Animals (SPCA).

The tiips mobile app might have suspended its operation, nevertheless tiips will continue to expand its corporate market, to sustain the belief in combining spending and saving in the future.

Last but not least, we would like to express our heartfelt gratitude for the support from tiips’ users, merchants and partners over the past three years.