Yes, Tin Shui Wai is cheaper than average, but that'll be an absurd commute though if you work on Hong Kong Island.
Just have a look here for some prices:
https://www.navigatehk.com/home/2020/4/ ... -hong-kong
These might not be the prices you'll end up paying, but at least you can somewhat compare areas.
Personally, I'd happily pay HK$3,000 a month more if it saves me more than an hour of commuting.
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- Sat Nov 21, 2020 9:32 pm
- Forum: Forum 1. From Questions About ISS & Search to Anything and Everything About International Teaching
- Topic: Hong Kong accommodation for family
- Replies: 8
- Views: 15737
- Tue May 10, 2016 9:31 pm
- Forum: Forum 1. From Questions About ISS & Search to Anything and Everything About International Teaching
- Topic: International Pensions Warning
- Replies: 5
- Views: 14943
Re: International Pensions Warning
I feel this post should be bumped up (every few months)
Either a self managed/tracker fund or buy to let (rental) investment will work fine for IE. Stay away from any glossy brochures showing happy middle aged or retired people on a boat or beach - the guys selling you these expat life assurance or pension packages are trying to take you for a muppet. They take fees upfront (ie. from the first 12-36 months payments- read the small print) and then invest in tracker funds (which you can do yourself easily) and then they charge you another 1-2% a year.
I didn't name names in any earlier posts but on reflection I think might share my own experience with Austen Morris trying to get me to sign up to the Generali Vision life assurance plan. The sales rep was a friend of a friend and I met with him mostly because he confused politeness with thinking I wanted a meeting. He was pleasant but alarm bells started immediately when he presented two projections of 7% or 12% growth in the stock market over a 30 year time frame -12% !! I He then went straight on to talk about Generali Vision (que the brochure with pictures of boats, beaches and sunsets) before I could have a proper debate about the likelihood of 12% return after tax. I think that was his pitch he had been trained to give to IE teachers.
I ended up looking over the small print of Generali Vision and the Austen Morris materials and (at that time) it was just a bad deal. The first 36 months of payments (in my case would have been US $1200 a month) just go towards covering the fees (you get nothing back if you drop out). After that you have a fund basically linked to the stock market with two management fees (both 1-2%) and additional fixed fees. Even if the stock market goes up 7% a year you are likely to end up with 3-4%.
And I'm not the only one to have a bad experience
http://answers.echinacities.com/questio ... tin-morris
http://www.shanghaiexpat.com/phpbbforum ... 65-30.html
I think a good rule of thumb is only use financial services which have a significant presence in Europe or North America and are regulated there. Even then be very careful.
Either a self managed/tracker fund or buy to let (rental) investment will work fine for IE. Stay away from any glossy brochures showing happy middle aged or retired people on a boat or beach - the guys selling you these expat life assurance or pension packages are trying to take you for a muppet. They take fees upfront (ie. from the first 12-36 months payments- read the small print) and then invest in tracker funds (which you can do yourself easily) and then they charge you another 1-2% a year.
I didn't name names in any earlier posts but on reflection I think might share my own experience with Austen Morris trying to get me to sign up to the Generali Vision life assurance plan. The sales rep was a friend of a friend and I met with him mostly because he confused politeness with thinking I wanted a meeting. He was pleasant but alarm bells started immediately when he presented two projections of 7% or 12% growth in the stock market over a 30 year time frame -12% !! I He then went straight on to talk about Generali Vision (que the brochure with pictures of boats, beaches and sunsets) before I could have a proper debate about the likelihood of 12% return after tax. I think that was his pitch he had been trained to give to IE teachers.
I ended up looking over the small print of Generali Vision and the Austen Morris materials and (at that time) it was just a bad deal. The first 36 months of payments (in my case would have been US $1200 a month) just go towards covering the fees (you get nothing back if you drop out). After that you have a fund basically linked to the stock market with two management fees (both 1-2%) and additional fixed fees. Even if the stock market goes up 7% a year you are likely to end up with 3-4%.
And I'm not the only one to have a bad experience
http://answers.echinacities.com/questio ... tin-morris
http://www.shanghaiexpat.com/phpbbforum ... 65-30.html
I think a good rule of thumb is only use financial services which have a significant presence in Europe or North America and are regulated there. Even then be very careful.