Investing 101 – Risks and Types of Investment Products

Last time we mentioned the reasons why investing outweighs saving in the long run, so let us proceed to the definition of risk and types of investment products today!

While risk comes along in all types of investment, your return is definitely relied and dependent on risk. In general, the larger the expected return, the larger the investment risk, vice versa. We investors would then have to carefully select the plan that truly suits our preferences. Speaking of that, HSBC has provided a checklist for you to benchmark against with, if you would like to analyse your risk tolerance. It can be further divided into 6 main categories, namely “secure”, “very cautious”, “cautious”, “balanced”, “adventurous” and “speculative”. “Secure” type of person has 0 tolerance for investment loss, so investment-related products might not be suitable for consideration. “Balanced” people are willing to take a moderate level to risk in exchange for a moderate level of return. The most adventurous “speculative” investors are striving for the maximum return, thus they are comfortable with taking maximized risk. Apart from that, this checklist also categorised 5 product risk levels, for us to compare and contrast different investment options. 

Once you are recognised with your own risk tolerance, feel free to customize your options according to your financial goals. While the list of available investment products in the market can go on forever, there are some major categories for us to follow – stocks, bonds, mutual funds, real estates etc. Stocks is always a comparatively hotter pick, loosely translated as investors holding a fractional share of a listed company. Bonds is another option that is widely adopted by people worldwide, usually issued by the government, financial institutions or companies to investors. These entities would promise to pay investors a specified amount of interest for a specified time period, with principal to be repaid when the bond matures.  

On the other hand, purchasing mutual funds eases our investment process, where a fund manager would collect investors’ capital to invest in numerous securities e.g. stocks and bonds. Last but not least, investing in real estate indicates hopes of gaining return from your investments in the mentioned item e.g. shopping malls. 

Now that you are equipped with the knowledge of the hottest investment options, next time we are going to share tips for amateur investors. Keep in touch with us and follow our social media, make sure you are staying in the loop!


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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.