Three digital ways to start investing for expats

Money doesnt grow on trees. 

We can all agree on that. Now the question is how we can better utilize our savings to achieve our goals. Especially since there seems to be very few options for foreign professionals living in China.

Well, we are in the 21st Century and its undeniable that the financial industry needs a revolution. Thats why in this article we will be sharing three different types of digital tools* so you can make your money work for you. This way, you can at least cross this topic off from your 2019 Resolution List.

*More details on those tools can be found at the QR code at the end of the article.

Investing is just one click away 

We use our phones for literally everything here in China. 

Mobile apps make our lives easier and now also allow us to invest without the burden of going to a bank and hitting our heads against the wall.

The benefits of investing through your phone is that usually the entry level is much lower than other investment options. You can simply start investing with as little as USD 100 and it gives you flexibility and access to your money.

One option in this category is the newly launched CATALYST app which gives you extra flexibility in the way you invest.

Who is this for? 

If you want to start your investment journey but not sure how to do it or you need immediate access to your investments, this is a great way to get started.


An investment platform usually gives you access to even more investment options than mobile apps. 

You may be looking for an investment that gives you some income and another one that gives you protection against the global uncertainty, or simply just want access to a wider range of investment funds to grow your wealth.

The important thing when choosing an investment platform is to do a background check on the jurisdiction and protection provided by these online tools. Typically for this type of investment, you should be looking to have USD 20,000 to see noticeable returns on your money.

Who is this for?

These types of platform are great for people who are looking to make an investment for the medium or long term. For instance, the Fund Platform powered by Moventum allows you to access a wide range of high performing international funds and structured products.


Investment platform + Guided advice

By this point, you probably already got the idea: there are different ways to make your money work for you. 

The third option focuses on bringing the best of the digital world with the benefits of having bespoke advice based on your needs. 

This type of platform gives you a more comprehensive range of investments with additional benefits such as tax wrappers, multiple currencies and room to create different portfolios for different goals that you may have. 

In addition, many of these options allow you to get the advice of a financial professional who can guide you on how to manage your portfolio, rebalance it when needed but most importantly, to help you achieve all your targets. 

A minimum of USD 50,000 investment would be suggested for this type of account and a great option for the expat community in China is the Ardan Platform that gives you full access to pretty much the entire investment universe with the convenience of having a professional guiding you at each step on your investment journey. 

Who is this for?

You know that you want your money working hard for you but you are unsure on how to invest. 

You are a more experienced investor and you like the idea of having a platform with access to multiple types of investment (stocks, ETFs, funds, structured products, bonds, etc) but you dont have the time to manage it or dont have access to all those types of assets.


The most important thing when investing is to look at your goals before making an investment decision. What is your main objective? 

Scan the QR code to find out more details about the tools described above, and how to access them as an expat in China.

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