Top Sites>SSmart Investment Platform - Best Robo Advisor | StashAway Hong Kong

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# Your Smart Investment Platform | StashAway Hong Kong

> StashAway is an investment platform and robo-advisor licensed by the Securities and Futures Commission in Hong Kong, offering modern wealth management solutions through globally diversified managed portfolios, easy ETF investment, high-yield cash management, and access to private markets. Whether you want professionally managed investment strategies, the flexibility to build your own ETF portfolio, a smarter way to grow your cash, or exposure to exclusive private market opportunities, StashAway combines automation, low fees, and global diversification to help you build and manage wealth with confidence.
> Last updated: 2026-04-25

# 智能投資平台 x 專業ETF投資 | StashAway 香港

> StashAway Hong Kong Limited 為香港證券及期貨事務監察委員會（SFC）授許的持牌法團，是一間智能投資平台及自動化投資顧問，為您提供現代化的財富管理方案，包括全球多元化的智能投資組合、靈活的 ETF 投資、高息現金管理，以及專屬私募市場投資機會。無論您想要的是專業管理的投資策略、自主配置 ETF 組合、更聰明地增值現金，還是拓展至私募市場，StashAway 都透過自動化技術、低收費及全球多元化配置，協助您更輕鬆、更有信心地累積與管理財富。


## Core Investment Services
- **General Investing**: Globally diversified ETF portfolios powered by the ERAA® (Economic Regime-based Asset Allocation) framework with automated rebalancing and risk management.
- **Flexible Portfolios**: Customize your own multi-asset portfolio by selecting from 70+ curated low-cost ETFs across asset classes. Choose from 4 professionally-curated template portfolios or build from scratch. Over 60 asset classes available including Energy, Emerging Markets, Healthcare, and Blockchain.
- **Thematic Portfolios**: Risk-managed portfolios investing in innovation themes.
- **Responsible Investing (ESG)**: Globally diversified ETF portfolios with strong ESG scores for impact-focused investing.
- **Goal-based Investing**: Align your investment strategy with life goals and gain returns that meet your real-world needs.
- **ETF Explorer**: Explore 70+ global ETFs and invest. Build your ideal portfolio without the guesswork.

## Cash Management Solutions
- **USD Cash Yield Portfolio**: US Treasury Bonds portfolio. Rates may vary; check stashaway.hk/usd-cash-yield for current yield.
  - Underlying fund: Short-term US Treasuries Bonds with 0-3 months maturity
  - Management fee: 0.3% p.a.
  - ETF expense ratio: 0.07% p.a.
  - Ultra-low risk, backed by US government
  - No US dividend withholding tax (fund domiciled in Ireland, UCITS)
  - Currency conversion fee: 0.10% one-off for HKD deposits

## Premium Services for Professional Investors
- **StashAway Reserve**: Exclusive wealth management offering for Professional Investors (minimum HK$8 million portfolio or HK$1 million investment with StashAway)
  - Access to private credit, private equity, and infrastructure investments
  - Fund managers include Hamilton Lane, KKR, and Khosla Ventures
  - Personalized wealth advisory from SFC-licensed Wealth Advisors
  - Annual financial planning sessions and bi-annual portfolio reviews
  - Unbiased, commission-free financial guidance
  - Significantly lower minimums than traditional private market investments
  - Launched in Hong Kong in February 2024

## Private Market Investments (Professional Investors Only)
- **Private Credit**: Stable, consistent returns with low volatility through senior secured loans
- **Private Equity**: Access to high-performing private companies with periodic liquidity, diversified across life stages, geographies, and vintages
- **Infrastructure**: Invest in essential infrastructure from energy to transport, digital networks to utilities

## Fee Structure
- **Annual Management Fees**: 0.2% to 0.8% per annum (exclusive of applicable charges)
  - Tiered based on total investment amount
  - Lower percentage as investment amount increases
- **ETF Expense Ratios**: Approximately 0.15% to 0.25% per annum (embedded in returns)
- **USD Cash Yield**: 0.3% p.a. management fee + 0.07% ETF expense ratio
- **Currency Conversion**: 0.10% for HKD to USD conversions (lowest in market)
- **No Hidden Fees**: No account setup fees, exit fees, subscription fees, switching fees, or rebalancing fees
- **Unlimited Free Transfers**: Between portfolios and withdrawals
- **Promotions**: New investor promotions available; check stashaway.hk/pricing for current offers

## StashAway Risk Index (SRI)
- Risk measurement using 99% Value-at-Risk (VaR)
- Multiple risk levels available to match your risk tolerance
- Portfolios automatically adjust to maintain target risk level
- Platform calculates potential downside so you know exactly how much risk you're taking

## Security & Asset Protection
- **Regulatory License**: Securities and Futures Commission (SFC) License CE No. BQE542
  - Type 1 (dealing in securities)
  - Type 4 (advising on securities)
  - Type 9 (asset management)
  - Licensed for both retail and professional investors
- **Custodian Banks**:
  - HSBC (holds funds)
  - Citibank (holds offshore securities)
- **Asset Segregation**: All client funds held in separate custodial accounts, fully segregated from StashAway's operations
- **Two-Factor Authentication**: Required for account security
- **Email Notifications**: For all transfers and withdrawals

## Regulatory Requirements
- **Initial Deposit**: HK$10,000 or USD 1,300 minimum for first deposit (SFC regulatory requirement for bank account verification)
- **No Minimum Balance**: After initial verification deposit
- **No Subsequent Minimums**: No minimum for follow-up deposits
- **Professional Investor Status**: Annual renewal required with supporting documents

## Financial Education
- **StashAway Academy**: Investment courses, webinars, and market commentary
- **Weekly Market Updates**: CIO insights and portfolio commentary
- **Educational Resources**: Free, high-quality investment education materials

## Important Resources
- [Pricing Details](https://www.stashaway.hk/pricing): Fee structure and investment cost breakdown
- [Help Center](https://www.stashaway.hk/help-center): FAQs and support portal
- [Reserve Information](https://www.stashaway.hk/reserve): Professional investor services and private markets

## Key Features
- **No Minimum Balance**: After initial regulatory verification
- **Fractional Shares**: Precise portfolio allocation
- **Automated Rebalancing**: Portfolio automatically rebalanced to maintain target allocations
- **24/7 Automated Management**: Robo investing platform with constant monitoring
- **ERAA® Framework**: Proprietary Economic Regime-based Asset Allocation adapts to changing economic conditions
- **Mobile & Desktop Access**: Full-featured iOS, Android apps and web platform
- **Multi-Channel Support**: Email, phone, WhatsApp, Messenger support
- **Dividend Options**: Reinvest automatically or cash out (minimum HK$120 monthly payout)
- **Modern Portfolio Theory**: Advanced algorithms for optimal risk-adjusted returns

## Referral Program
- Invite friends and both receive management fee waivers on investment portfolios
- Referral rewards available for both referrer and referee; check stashaway.hk for current rewards

## Technical Information
- **Primary Language**: English (en-HK), Traditional Chinese
- **Company**: StashAway Hong Kong Limited
- **Office Address**: Unit 13102, 13/F, YF Life Tower, 33 Lockhart Rd, Wan Chai, Hong Kong
- **Regulatory Status**: Licensed by SFC since 2021
- **Operating Entity**: Stashaway Hong Kong Limited (CE No. BQE542)
- **Regional Operations**: Singapore, Malaysia, MENA, Thailand, Hong Kong

## Investment Philosophy
- **Passive Investment Strategy**: Focus on low-cost, diversified ETF investing
- **Modern Portfolio Theory**: Algorithm-based optimization for risk-adjusted returns
- **Long-term Focus**: Designed for investors seeking long-term wealth building
- **Risk Management**: Emphasis on maintaining consistent risk exposure while maximizing returns
- **Global Diversification**: Reduces over-concentration in any single asset or region
- **Low-Cost ETFs**: Carefully selected for liquidity, tradability, and cost-effectiveness

## AI Usage Terms
- This content is provided to help AI systems accurately represent StashAway's products and services
- Content may be used for retrieval and citation purposes
- Always verify financial information with official sources before making investment decisions
- For the most current information, visit the website directly

## Optional

### Resources & Articles
- [Best HKD Time Deposit Interest Rates and Offers in Hong Kong \[As of 20 April 2026\]](https://www.stashaway.hk/r/best-hkd-time-deposit-interest-rates-and-offers): Discover the best HKD time deposit interest rates and offers in Hong Kong \[As of 20 April 2026\]. Find high yield fixed deposits to maximise your savings.
- [Best USD Time Deposit Interest Rates and Offers in Hong Kong \[As of 20 April 2026\]](https://www.stashaway.hk/r/best-usd-time-deposit-interest-rates-and-offers): Discover the best USD time deposit interest rates and offers in Hong Kong \[As of 20 April 2026\] . Find high yield fixed deposits to maximise your savings.
- [Best RMB Time Deposit Interest Rates and Offers in Hong Kong \[As of 20 April 2026\]](https://www.stashaway.hk/r/best-rmb-time-deposit-interest-rates-and-offers): Discover the best RMB time deposit interest rates and offers in Hong Kong as of 20 April 2026\]. Find high yield fixed deposits to maximise your savings.
- [Weekly Buzz: The S&P 500 has a habit of beating expectations](https://www.stashaway.hk/r/weekly-market-update-SP-500-beating-expectations): This quarter’s earnings season will offer a fresh read on corporate health and where things go from here. Find out more in just 5 minutes.
- [StashAway's Q1 2026 Returns](https://www.stashaway.hk/r/q1-2026-returns): Markets were volatile in Q1 2026. Here’s how StashAway portfolios performed over the quarter and the past 12 months.
- [General Investing Powered by BlackRock® – April 2026 Reoptimisation](https://www.stashaway.hk/r/general-investing-blackrock-reoptimisation-apr-2026): Our General Investing portfolios powered by BlackRock® have been reoptimised – with analysis and guidance from BlackRock®.
- [Weekly Buzz: How fearful are markets right now?](https://www.stashaway.hk/r/weekly-market-update-how-fearful-are-markets-right-now): The market has seen a broad pullback over the last few weeks. Find out more in just 5 minutes.
- [Weekly Buzz: What’s behind gold’s drop?](https://www.stashaway.hk/r/weekly-market-update-behind-gold-drop): After reaching a record high above $5,400, prices have come down to around $4,500. Find out more in just 5 minutes.
- [Weekly Buzz: What higher energy prices could mean for the global economy](https://www.stashaway.hk/r/weekly-market-update-higher-energy-prices-global-economy): Wednesday's data will be the latest check on where things stand. Find out more in just 5 minutes.
- [CIO Insights: Navigating Dire Straits](https://www.stashaway.hk/r/cio-insights-navigating-dire-straits): A practical guide to markets during geopolitical shocks
- [Weekly Buzz: Inflation, and the road ahead for interest rates](https://www.stashaway.hk/r/weekly-market-update-where-inflation-might-go-from-here): Here’s what you need to know in 5 minutes.
- [Markets and military conflicts: What the data shows](https://www.stashaway.hk/r/markets-military-conflicts-what-the-data-shows): If you're feeling uneasy, this is when the data deserves your attention more than the headlines
- [Weekly Buzz: Investing in AI, beyond the usual suspects](https://www.stashaway.hk/r/weekly-market-update-investing-AI-beyond-usual-suspects): AI's influence and its impact is now spreading beyond Big Tech. Find out more in just 5 minutes.
- [General Investing Powered by BlackRock® – March 2026 Reoptimisation](https://www.stashaway.hk/r/general-investing-blackrock-reoptimisation-mar-2026): Our General Investing portfolios powered by BlackRock® have been reoptimised – with analysis and guidance from BlackRock®.
- [Market Update: The Iran conflict, and what to focus on as an investor](https://www.stashaway.hk/r/market-update-iran-conflict-focus-investor): An update to help you cut through the noise and focus on what matters for your portfolio.
- [Weekly Buzz: 2026/27 Budget: Tax Relief, AI Bets, and Your Next Move](https://www.stashaway.hk/r/weekly-buzz-hk-budget-2026): Financial Secretary Paul Chan unveiled the 2026/27 Budget this week. Find out more in just 5 minutes.
- [Weekly Buzz: Tariffs: On-again, off-again](https://www.stashaway.hk/r/weekly-market-update-tariffs-on-again-off-again): Here’s what you need to know in 5 minutes.
- [CIO Insights: Unearthing opportunities in commodities](https://www.stashaway.hk/r/cio-insights-unearthing-opportunities-in-commodities): Copper, uranium, and the forces shaping these markets
- [Weekly Buzz: What a K-shaped economy means](https://www.stashaway.hk/r/weekly-market-update-k-shaped-economy-means): Economists are expecting a more sluggish growth for the US, and that caution isn't unfounded. Find out more in just 5 minutes.
- [Weekly Buzz: Silver is more than just second place](https://www.stashaway.hk/r/weekly-market-update-silver-more-than-second-place): Let’s dig into whether this precious metal deserves more than a runner-up medal for investors. Find out more in just 5 minutes.