---
type: "Academy"
title: "Personal Finance — 个人财务"
locale: "en"
inLanguage: "en"
url: "https://longbridge.com/en/academy/personal-finance.md"
parent: "https://longbridge.com/en/academy.md"
category_slug: "personal-finance"
count: 15
datetime: "2026-08-02T21:42:00.242Z"
workTranslation:
  - inLanguage: "zh-CN"
    url: "https://longbridge.com/zh-CN/academy/personal-finance.md"
  - inLanguage: "zh-HK"
    url: "https://longbridge.com/zh-HK/academy/personal-finance.md"
---

# Personal Finance — 个人财务

> Personal financial strategies for life planning

- [Is Longbridge Regulated in Hong Kong? SFC Licences and What They Mean for You](https://longbridge.com/en/academy/100695.md)
  Longbridge Hong Kong is licensed by the SFC under CE No. BPX066, holding four categories of regulated activity. Here is what each licence covers and how the rules protect your money.
- [The Complete Guide to Tax‑Efficient U.S. Equity Investing: Compliant Planning Strategies Every Hong Kong Investor Should Know](https://longbridge.com/en/academy/100431.md)
  Hong Kong investors in U.S. stocks face three key taxes: 30% dividend withholding tax, 0% capital gains tax, and estate-tax risk. This guide explains legal tax-efficiency strategies, from W-8BEN filin
- [MPF Withdrawal Eligibility Criteria: A Comprehensive Guide to Six Early Withdrawal Scenarios and Application Procedures](https://longbridge.com/en/academy/100467.md)
  Under the Mandatory Provident Fund (MPF) Scheme, withdrawals are generally permitted only at age 65, but legislation sets out six grounds for early withdrawal. This article outlines eligibility, requi
- [What Is a Money Market Fund? A Comprehensive Guide to Short-Term Cash Management](https://longbridge.com/en/academy/100430.md)
  Money market funds invest in short-term, highly rated instruments and generally offer high liquidity, making them a common option for parking idle cash. This article explains how they work, their risk
- [The Complete Guide to U.S. Stock Dividend Tax: Understanding the 30% Withholding Tax and How Form W-8BEN Can Reduce It](https://longbridge.com/en/academy/100422.md)
  U.S. dividend withholding taxes surprise many Hong Kong investors. We unpack the 30% regime, the W‑8BEN form, and tax-smart options like Ireland-domiciled ETFs to sharpen your U.S. equity tax know-how
- [Filing Taxes on U.S. Stock Investments: The Complete Guide to Form 1042-S](https://longbridge.com/en/academy/100372.md)
  Confused by the Form 1042-S your broker sends each year? This article gives Hong Kong investors a clear guide to each field, dividend withholding tax mechanics, and key filing considerations.
- [U.S. Equity Asset Allocation: A Practical Guide to Modern Portfolio Theory](https://longbridge.com/en/academy/100360.md)
  Modern Portfolio Theory (MPT) underpins U.S. equity allocation. This article outlines four allocation models, core–satellite strategy, and rebalancing in practice to help Hong Kong investors build a t
- [The Comprehensive Guide to MPF Contribution Calculations: Employer and Employee Contribution Rates, Limits, and Tax-Deduction Rules](https://longbridge.com/en/academy/100238.md)
  MPF contributions may look complex, but a few key figures make them easy. We cover 5% employer/employee rates, income caps and floors, first payment dates, and tax deductions—MPF at a glance.
- [MPF Investment Guide: Strategies for Choosing the Right Funds](https://longbridge.com/en/academy/100189.md)
  MPF is more than just monthly deductions. Understand the five fund types, assess your risk tolerance, and leverage TVC tax benefits to maximize your MPF’s potential and boost your retirement savings.
- [How Does Longbridge Protect Your Personal and Financial Data?](https://longbridge.com/en/academy/100518.md)
  An inside look at how Longbridge protects your personal and financial data through encryption, ISO certification and AI data governance, plus practical tips on spotting investment scams.
- [What Is an Annuity? A Comprehensive Guide to Retirement Annuity Investments](https://longbridge.com/en/academy/100180.md)
  Annuities turn your savings into steady retirement income. In Hong Kong, options include public annuities and QDAP, with the latter offering up to HKD 60,000 annual tax deduction. This guide explores 
- [What Are the Best Investment Apps in Hong Kong in 2026? A Comparison of 5 Popular Platforms](https://longbridge.com/en/academy/100519.md)
  A side-by-side look at five widely used Hong Kong investment apps, covering functionality, regulatory standing and market positioning, to help you match a platform to your own investing needs.
- [Longbridge Starter Guide: All You Need to Know to Start Trading](https://longbridge.com/en/academy/100549.md)
  A start-to-finish walkthrough of opening a Longbridge account, understanding costs and using its AI research tools.
- [The Complete Guide to U.S. Retirement Accounts: 401(k) and IRA Asset Allocation Strategies](https://longbridge.com/en/academy/100436.md)
  A clear breakdown of the key differences between 401(k)s and IRAs, the latest 2026 contribution limits, and life-stage allocation strategies to help you build a sound U.S. retirement-account plan.
- [Dividend Yield Calculation: The Complete Guide to Evaluating High-Dividend Stocks’ Investment Value](https://longbridge.com/en/academy/100576.md)
  Master dividend-yield formulas and payout-ratio analysis; spot true value vs. high-yield traps in Hong Kong dividend stocks, and build a disciplined income-investing strategy.