GoWealth Investment Engine
Backed by WeLab Bank’s fintech experience and AllianzGI’s investment management expertise.
Personalised recommendation, manage your portfolio at fingertips.
The intelligent engine runs simulations under 12,000 market scenarios and predicts their performance over the next 50 years**. Then it makes an investment recommendation that best-fits customers and stands the most optimal probability of success1.
If you wish to achieve higher return, based on the same contribution amount and investment horizon, the engine can also provide a recommendation with a higher target wealth, however the probability of success** may decrease accordingly1.
GoWealth updates the “probability of success”** on a regular basis which allows customers to understand the risks involved with greater ease. It tracks the progress of customers’ financial goals, and helps customers stay on track with smart alerts so that they can manage their portfolios at fingertips and gain traction under all market conditions.
Covering global assets, better aid your risk diversification
GoWealth’s investment portfolio covers actively managed mutual funds diversified across asset classes. The fund managers are all from top global asset management firms with global investment expertise, risk management capability, and know-how in sustainable investing (ESG). The solution strives to assist customers in capturing market opportunities.
GoWealth’s investment portfolio covers actively managed mutual funds diversified across asset classes. The fund managers are all from top global asset management firms with global investment expertise, risk management capability, and know-how in sustainable investing (ESG). The solution strives to assist customers in capturing market opportunities.
Through technology, GoWealth leverages on a solution, which was mostly used by institutional investors, to provide a list of portfolios with optimized asset allocation aiming at diversifying the customers’ investment more efficiently, reducing the impact to investment portfolio due to market volatility.
Through technology, GoWealth leverages on a solution, which was mostly used by institutional investors, to provide a list of portfolios with optimized asset allocation aiming at diversifying the customers’ investment more efficiently, reducing the impact to investment portfolio due to market volatility.
Covering multiple broad based asset class, GoWealth portfolio recommendations provides the most optimal probability to achieve your goal by taking into account of your latest inputs and relevant personal circumstances specific to the goal.
Risk Rating: 1 Low
Risk Rating: 1 Low
Risk Rating: 1 Low
Risk Rating: 1 Low
Risk Rating: 2 Low to Medium
Risk Rating: 2 Low to Medium
Risk Rating: 2 Low to Medium
Risk Rating: 2 Low to Medium
Risk Rating: 2 Low to Medium
Risk Rating: 2 Low to Medium
Risk Rating: 2 Low to Medium
Risk Rating: 2 Low to Medium
Risk Rating: 2 Low to Medium
Risk Rating: 2 Low to Medium
Risk Rating: 3 Medium
Risk Rating: 3 Medium
Risk Rating: 3 Medium
Risk Rating: 3 Medium
Risk Rating: 3 Medium
Risk Rating: 3 Medium
Risk Rating: 3 Medium
Risk Rating: 3 Medium
Risk Rating: 3 Medium
Risk Rating: 3 Medium
With decades of experience, entering the revolutionary era of WealthTech
Reach your financial goals on autopilot**.
Download WeLab Bank app.
This webpage is for information only and does not constitute any offer, solicitation, recommendation, comment or any guarantee to the purchase or sale of any investment products or services. The investment products or services mentioned in this webpage are not equivalent to, nor should it be treated as a substitute for, time deposit.
Investment involves risk. The price of an investment fund unit may go up as well as down and the investment funds may become valueless. Part of your investment may not be able to liquidate immediately under certain market situation. Please refer to our Wealth Management Services Terms (including relevant risk disclosures) and relevant fund offering documents for more details of our services as well as the nature and risks of the relevant products.
The investment decision is yours but you should not invest in these product(s) nor services unless the intermediary who sells them to you has explained to you that these products are suitable for you having regard to your financial situation, investment experience and investment objectives.
Before making any investment decisions, you should consider your own financial situation, investment objectives and experiences, risk acceptance and ability to understand the nature and risks of the relevant product(s).
If you have any inquiries on the nature and risks involved in this webpage, relevant product(s) and services, trading or investment funds, etc, you should seek advice from independent financial adviser.
The information contained on this webpage is intended for Hong Kong residents only and should not be construed as a distribution, an offer to sell, or a solicitation to buy any securities in any jurisdiction where such activities would be unlawful under the laws of such jurisdiction. If you are outside of Hong Kong, we may not be authorised to offer or provide you with the products and services available in the country or region you are located or resident in.
This webpage is issued by Welab Bank Limited. The contents of this webpage have not been reviewed by the Securities and Futures Commission in Hong Kong.
In case of any discrepancy between the English and the Chinese versions of this webpage, the English version shall prevail.
*"Probability of success” is a statistical probability to achieve your target wealth at the end of the investment plan. It is computed by simulating the potential growth of wealth based on the goal parameters provided by you during the goal setting process, model portfolio allocation and our capital market assumptions. The algorithm in GoWealth relies on the portfolio simulation database containing 12,000 simulation paths for the model portfolios projected over the next 50 years (i.e. 600 months), which reflects our capital market forecast on various asset classes and the model portfolios in terms of risk, return and correlations. Such information and simulations are assumptions only. They do not reflect or project actual investment performance of the model portfolio or performance of any constituent funds therein. The recommendation is not a guarantee that you will achieve your goal.
**You may set up your investment goal via our Wealth Management Services on the WeLab Bank app, including the relevant investment horizon and one-time investment and monthly investment amounts. Our algorithm will recommend you a model portfolio based on your investment goal as well as your relevant personal circumstances. If you accept the recommendation, we will follow your instruction to process your one-time investment, and invest the monthly investment amount set by you in the model portfolio each month automatically. We will provide you various types of alerts/notifications, including but not limited to alerts/notifications about the status of your investment goal. However, such alerts/notifications are not investment advice. You may view the status of your investment goal and edit your investment goal on the WeLab Bank app according to your needs. The services are not discretionary asset management services. Any recommendation provided under the services is not a guarantee that you will achieve your investment goal.
- The recommendation provided by GoWealth is not a guarantee that you will achieve your goal. If you wish to know more about how the algorithm of GoWealth provide recommendation, please refer to the relevant FAQs.