Service positioning：Turn “configuration” into an executable governance system
Asset allocation is not about “selecting products”，but to establish a sustainable、auditable、Rebalancing capital governance system。Hong Kong Xintong cuts in from a compliance perspective，Willmanagement by objectives、risk budget、liquidity arrangements、Account structure、Consistency of tax and CRS informationIncluded in the same plan，Help customers change their allocation from "suggestions" to "implementable investment policies"。
We emphasize three underlying principles：
- Constraint first、post return：Clarify cash flow first、期限、lever、Drawback Tolerance and Compliance Red Line。
- structure first、post-product：First establish the asset stratification and currency framework，Then decide to use a combination of funds/bonds/stocks/alternative instruments to express。
- Govern first、post iteration：Via IPS、Rebalancing mechanism and information disclosure standards，Ensure long-term consistency。
If you need account landing support，Can be referenced：Hong Kong (HSBC/Standard Chartered/Hang Seng) account opening and Offshore bank account opening。
Applicable customers：Cross-border assets、Multi-currency and complex cash flow scenarios
Profit distribution、Shareholder borrowings、Overseas expansion and M&A capital pool coexist，Requires layered management of “operating cash flow + investment funds”。
Focus on long-term purchasing power、Intergenerational inheritance and governance consistency，Emphasis on IPS、Family charter alignment and inheritance tool adaptation。
Need to ensure that CRS information is consistent、Tax residency planning can be evidenced，and control information disclosure and reporting risks。
Income volatility and high regulatory sensitivity，Greater need for liquidity buffers、Compliance Boundary and Fund Purpose Trace Management。
If the customer is also involved in tax residency status、Cross-border tax and BEPS compliance，We recommend simultaneous：
methodology：wind image + IPS (Investment Policy Statement)
We deliver with the main line of "Risk Profiling - Constraints - Asset Stratification (Bucket) - Portfolio Construction - Governance and Review (Governance)"。
1) wind image：Not only looking at questionnaire scores，Look more at verifiable financial facts (cash flow stability、Liability structure、business relevance、Currency exposure、Maximum tolerated drawdown and recovery period)。
2) IPS Core Terms(Auditable、executable)：
- 目标：Value addition/value preservation/cash flow/hedging (multiple targets can be combined)
- risk budget：Retracement limit、fluctuation tolerance range、dependency constraints
- Liquidity：T+0/T+7/T+30 funding ratio，Emergency pool rules
- Currency：base currency、Hedging ratio、Match overseas payments with rigid expenditures such as education/immigration
- rebalance：Threshold triggering in parallel with periodic triggering (e.g. deviation of ±5% or quarterly review)
- Product and transaction restrictions：Concentration、credit rating bottom line、Leverage and Derivatives Usage Scope
- Information Disclosure and Compliance：Account ownership、Beneficiary information、CRS caliber consistency requirements
Asset Allocation Framework：strategic configuration + tactical deviation + risk hedging
Divide assets into：Liquidity Pool (Emergency/Operational)、Stable income pool (bonds/bills/fixed income+)、Growth Pool (Stake/Topic)、Protection pool (gold/hedging instruments)。
Matching around real spending currencies of households and businesses，Introducing hedging ratios and exchange rate stress testing when necessary，Avoid “assets overseas”、Expenditure in local currency” mismatch。
Valuing equity within a risk budgeting framework、利率、Credit、merchandise、correlation between alternatives，Avoid surface dispersion、In fact, they rise and fall together。
interest rates rising、Credit spreads widen、Stock market retreats deeply、Exchange rates fluctuate sharply、Portfolio profit and loss and affordability assessment under scenarios such as liquidity freeze。
The output form usually includes：Strategic Asset Allocation (SAA) Range、Allowed tactical deviation (TAA) range、Core/Satellite Combination Recommendations，and a "combination basket" mapping for execution (example：bond duration range、credit rating bottom line、Equity style and regional matching)。
Accounts and Execution：Make the configuration "tradable"、Can be reconciled、Discloseable”
Identify the holder/beneficiary/authorizer，Distinguish operating accounts、Investment Accounts and Custody/Trust Structure Requirements，Develop capital flow and authorization matrix。
Compliance with banks/brokers/custodians、Product range、cost transparency、Compare and filter transactions and reporting capabilities。
Around KYC、Source of funds、tax information、Corporate structure and beneficiary disclosure preparation materials，And do information consistency check in advance。
Initial position opening based on IPS，Set rebalancing rules and exception handling mechanism，Establish a rhythm of periodic reconciliation and review。
If you need supporting services：
Compliance and Tax：Write "information consistency" into the configuration plan
Asset allocation in cross-border scenarios，The biggest hidden risk is often not market volatility，Ratheridentity、Account、The structure is inconsistent with the declaration calibercompliance exposure。Hong Kong Xintong simultaneously incorporates the following checkpoints into the configuration phase:：
- CRS/Tax Resident Information Consistency：Account holder、Controller、beneficiary、Contact information、The main place of business is logically consistent with the declaration of tax residence.。
- Fund source/purpose evidence chain：For large deposits、Asset transfer、dividend distribution、Shareholder loans, etc. form an interpretable document system。
- Cross-border tax impact assessment：Potential impact of different income types (interest/dividends/capital gains/distributions) under different tax statuses。
- Data and privacy：Material collection、storage、The sharing process complies with data protection requirements (the data compliance module can be linked if necessary)。
Related topics can be extended to：Cross-border tax consulting、international tax planning、Data privacy policy development。
Deliverables：Can be reviewed、transferable、Sustainable iteration
目标、constraint、risk budget、rebalancing mechanism、Available investment range、Exception handling and governance process。
SAA interval、TAA deviation、Currency and geographical framework、Core/Satellite Portfolio and Risk Indicator Description。
Divide fund pools by term and purpose，Matching rigid expenditures such as education/property purchase/immigration/taxes/business turnover etc.。
KYC、Source of funds、tax information、Beneficiary Disclosure、Suggestions on authorization and reconciliation standards，Facilitate subsequent account opening/audit/declaration。
Delivery Cadence (Reference)：T+5~10 working days to complete information collection and preliminary diagnosis；T+2~4 weeks to form the first draft of IPS and configuration recommendations；Based on account opening/execution complexity，Enter continuous review and rebalancing support。
Fees and cooperation models (reference)
Asset allocation consultation is usually billed according to the "diagnosis - plan - implementation - review" module。If the project includes account landing、Compliance materials and regulatory related services，Cost will vary with structural complexity and material effort。
The following is a reference to common cost components related to financial compliance/licensing projects (HK MSO Reference Matrix，unit：Hong Kong Dollar (HKD)，Used to help customers understand the logic of project budget splitting；The specific quotation shall be subject to the Statement of Scope (SoW)：
| cost module | project | Reference fee (HKD) | illustrate |
|---|---|---|---|
| Government | Application | 3,310 | Government application fee (if applicable) |
| Government | Fit & Proper | 860 / people | Fit and proper review (if applicable) |
| Base | Company Registration | 8,000 – 15,000 | Company registration and basic documents (if applicable) |
| Base | Office | 20,000 – 80,000 / Year | Office/Address and Basic Operations (if applicable) |
| Agency | MSO service | 60,000 – 150,000 | Consultancy services and project management (if applicable) |
| Agency | AML Documents | 20,000 – 80,000 | AML/KYC system and documentation system (if applicable) |
| Total | Standard | 150,000 – 400,000 | Standard interval (fluctuates with scope and complexity) |
If your asset allocation project only involves investment policy and portfolio governance，Does not involve modules such as license plates/AML files，We will provide a phased quotation with a lighter consultation scope；If you need to package the configuration and cross-border compliance for delivery，Can be linked：Cross-border business compliance、Marketing material review(Applicable to external fund-raising/external publicity materials)。
FAQ：The most common configuration issues for businesses and families
Our Investment Policy (IPS)、risk budget、Asset stratification、Account structure and compliance consistency are core delivery，Emphasis on framework and governance；Specific product selection and transaction execution must be completed through licensed institutions/compliance channels，and comply with suitability and disclosure requirements.。
IPS can target、Risk boundaries and rebalancing rules are written into enforceable terms，Reduce emotional trading and decision drift，and for family/team collaboration、Provide a unified basis for auditing and taxation。
Frequently Asked Questions Tax Residency Information、Inconsistent disclosure standards for account holders/controllers/beneficiaries，And the chain of evidence of the source of funds is incomplete.。It is recommended to do consistency check and file system establishment before opening an account and opening a position.。
Can。We can prepare materials、Structure sorting、Provide support for information consistency verification and docking process，And recommend the appropriate account opening path according to the customer's situation.。For related services, see：https://www.gxt-hk.com/hong-kong-banking-virtual-bank-license/ with https://www.gxt-hk.com/offshore-bank-account-opening/ 。
It is usually recommended to perform "quarterly review + threshold rebalancing" in parallel；When a major event occurs (change in tax status、Changes in business cash flow、Major changes in family spending plans、Temporary resumption should be triggered when market structural changes)。
