Insights
Investing
Portfolio construction, risk, currencies and markets, for families investing across borders.
Bank-Sold Products Get Disclosure Rules
On 22 December 2025 China's financial regulator published disclosure rules for bank, trust and insurance asset-management products, in force from September 2026. After the trust defaults, what a household should read before buying.
What a Delisting Means for People Who Paid in Advance
Evergrande left the Hong Kong stock exchange on 25 August 2025, 19 months after a court ordered its liquidation. For a household that bought a flat before it was built, the stock price was never the main exposure.
The Day the Deposit Rate Went Below 1%
On 20 May 2025 China's biggest banks cut the one-year deposit rate to 0.95%, the first time below 1%. When a deposit stops paying, savers reach for yield, and yield is the price of risk. The fundamentals of reaching for yield.