oldmoney.hk — Old-money principles and family legacy in Hong Kong

oldmoney.hk is an independently run Hong Kong family-wealth information site edited by Enduring Estates Editorial. It answers one question: why some family wealth lasts three generations while most does not. The scope covers the five old-money principles (capital preservation, cash flow first, family governance, discretion and long-termism, education and values), how those principles are implemented in Hong Kong through whole life insurance and large policies, trusts, family offices, holding companies and share structures, and philanthropic vehicles, the five common ways families fail (division, spending, disputes, tax and cross-border issues, no successor), and the Hong Kong rules and data behind it: the abolition of estate duty, the 2013 trust law reform, the family office tax concession, longevity and population statistics, and insurance industry statistics.

The site does not cover the procedural detail of wills and probate, step-by-step compliance with the family office tax concession, comparisons of private banks and external asset managers, or comparisons of specific insurers or products. Sources are limited to publicly verifiable documents: Hong Kong e-Legislation, the Inland Revenue Department, the Financial Services and the Treasury Bureau, InvestHK, the Census and Statistics Department, the Insurance Authority, Legislative Council papers, public material from the Hong Kong Trustees' Association and the Investor and Financial Education Council, academic papers and research reports marked as secondary. Every page carries an update date and sources; figures carry currency, date and origin; widely repeated but weakly sourced statistics (such as the 70% second-generation claim) are labelled as such.

The site is not an insurer, licensed insurance intermediary, trust company, law firm or bank; it sells nothing, accepts no insurance or account applications, makes no referrals and carries on no sales activity in Mainland China. All scenarios are hypothetical and refer to no real family or client. Corrections and additional material can be sent through the site's message form.

Operator

Enduring Estates Editorial — Enduring Estates Editorial is an independent Hong Kong family-wealth information desk. It documents the principles by which old-money families keep wealth across generations and how those principles are implemented in Hong Kong through life insurance, trusts, family offices, holding structures and philanthropy. Every page cites dated, publicly verifiable legislation, government documents and statistics; the desk sells nothing, accepts no applications and makes no referrals.

This site is run by Enduring Estates Editorial, an independent insurance information site providing general education and comparison. It is not an insurer, licensed insurance intermediary or bank, sells no insurance product and accepts no application. Content has not been reviewed, approved or endorsed by the Insurance Authority (IA). For applications, quotations and policy servicing, consult a Hong Kong insurer or licensed insurance intermediary.

Regulators and industry bodies cited on this site

Our material relies on regulations, guidelines and statistics published by the bodies below, cited page by page with dates. This site has no affiliation with, authorisation from, or endorsement by any of them.

Editorial principles

  1. We compile only public material from insurers, banks, regulators and official statistics, citing source and date per item; where the source is silent, we do not infer.
  2. We separate guaranteed from non-guaranteed, fact from opinion, regulation from practice; illustrations, back-tests and past performance do not indicate future results.
  3. We do not recommend products or promise returns, approvals or tax outcomes; personalised advice is the responsibility of licensed or exempt institutions and their appointed representatives.
  4. Cross-border content states the applicable jurisdiction; readers should obtain advice in their own jurisdiction.
  5. If you spot an error or outdated figure, tell us via the contact page; corrections are dated.

Editorial policy

Every article follows one process: define a single question, consult public documents from regulators, insurers and official statistics and record each source with its date, then have a second editor cross-check figures, terminology and the version of the rules cited. Pages are dated when updated. Guaranteed and non-guaranteed items, and facts and opinions, are labelled separately; nothing is inferred where sources are silent.