How to Start Investing? (2)

From what we mentioned about the ways of investing in stocks and mutual funds last week, it’s time to introduce the rest of the methods!

  1. Selecting index funds: Lower level of time and resources required

    For those investors who picked index funds, they can track the performance of the investment market as a whole. Say if we would like to be exposed to the S&P 500, companies may include Apple, American Express and Citigroup etc. Those stocks in this type of fund fluctuate according to the market index, so the returns would be relatively similar. Nowadays, there are also low-cost-ETFs for consideration, which are also feasible alternatives.

    Although this passive investment results in lower risks, it is still prone to downside swings when the market declines. As it moves according to the index performance, there is still a possibility that it drops. Especially when we don’t have professionals to manage it for us, we would have to bear the risk on our own. Moreover, purchasing funds equals selecting all institutions that the specific fund covers, thus it is inevitable that some firms that we don’t prefer are included.

    If you are investing in index funds, make sure that you have fully understood your risk tolerance and investment period. Investment newbies can also try to calculate your ideal investment proportion by this rule – subtract your age from 110. The resulting figure would then be the percentage of stocks that you are recommended to hold, while the rest of it could be used for bond purchases.

  2. Selecting financial planners: Least time and resources required

    Financial planners or robo advisers make and implement all investment decisions for us, so that they free our time and stay us away from unwanted confusions or troubles. These professionals deeply understand your financial goals, risk preferences and investment timeline, in order to tailor make a portfolio that is 100% catered to you. Of course, as this option is considerably perfect and convenient, the costs that involved would be incredibly indiestable. Apart from this, the difficulty in picking the suitable planner is high as well. We can take reference from their past experience, credibility and customer satisfaction as selection criteria.

    On the other hand, it is also doable to utilize robo advisors. We just have to register online or in an app, the programme would then do its magic and mix and match different investment combinations. The benefit of this is that automation deprives the process from man-made mistakes.

Bear in mind that there is never a best market entry method. We have to stay cautious and diligent, while always reminding ourselves that the earlier we start investing, the more compound interests that we are able to earn.


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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.