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    uSMART Securities Review: Top Investment Features You Need to Know

    All Posts » Start Investing
    Last updated: Jul 19, 2024•  5 min read

    語言: 廣東話

    Table of ContentsTable of Contents
    • What’s great about uSMART?

    • Opening uSMART Account in 3 Minutes

    • Stock Investment Tools and Research

    • Smart Fund Platform

    • Summary

    • Discover the Best Investment Account Fees and offers

    In recent years, more investment brokers have launched in Hong Kong, which is fantastic for consumers! Many of them have made investing very affordable, offer powerful stock research tools, and help you invest smarter. uSMART Securities has done all of the above—it helps you invest in HK and US stocks with low fees, uses big data to analyze stocks, and gives strategies to follow. On top of that, the app is simple to use and easy to get started with.

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    What’s great about uSMART?

    • Low trading fees in the market for HK and US stocks
    • Monthly investment plan available
    • Fund platform where you can buy equity, bond or money market funds with ease
    • AI-based stock screening tool
    • Easy account opening (3 minutes to get started!)
    • Simple app user interface
    • IPO stock subscription available
    • Licensed by the SFC for Type 1, 4 and 9 (your investments are protected!)

    Opening uSMART Account in 3 Minutes

    Opening a uSMART securities account is simple:

    1. Download the app and receive a verification code via SMS; (or log in with your Facebook or Google account)
    2. Use your phone to take pictures and upload your ID card and address proof
    3. Fill in some basic information such as name, contact, financial status, etc.
    4. Deposit funds and start investing

    Deposit

    1. Support eDDA instant deposit (HSBC, Hang Seng Bank, Bank of China, DBS Bank, Bank of Communication, Chong Hing Bank, China Merchants Bank, CITIC Bank, China Minsheng Bank, Wing Lung Bank)
    2. FPS
    3. Bank account transfer

    Stock Investment Tools and Research

    On top of having really low fees, uSMART also provides you with stock research functionality that can be quite powerful. The key features are:

    1. Smart Advisor: This is an AI / Big Data driven stock screener that can help identify stocks based on various metrics including growth potential, price/earnings ratio and more. The performance is backtested but real-life performance over the long term remains to be seen – but it could still be a great tool to get ideas.
    2. Stock analysis: For individual stocks, aside from providing the price quote, uSMART provides intelligent scoring based on various factors of the company e.g. profit, growth, industry prospects, dividend yield, etc., and ranks them to help investors make more informed decisions.
    Image

    Smart Fund Platform

    The funds on uSMART Securities platform are divided into four types: money market, bond, balanced and equity. Each fund has a chart to clearly show the performance trend, and lists the minimum investment amount and handling fee, which makes it straightforward for investors to choose what fund they are interested in.

    1. Money Market Funds: These have the lowest risk and invest mainly in Treasury bills, commercial paper, etc. Many investors may opt to use money market funds as a substitute for time deposit plans.
    2. Bond funds: The risks can be high or low, depending on the fund because bonds can have various risk levels (government bonds being lower risk, corporate and junk bonds being higher risk).
    3. Balanced funds: These funds are diversified across bonds, stocks and other products. The risk is variable depending on the holdings of the fund and thus reward is also variable.
    4. Equity funds: These have higher risk (and higher returns). The investments include various types of stock assets which also makes it an easy way to diversify risk.
    Image

    Summary

    The uSMART mobile app is powerful, affordable and easy to use. The Smart Advisor functionality is interesting but lacks real-life historical data to see if it really works and may take a while before it can be considered a replacement to robo-advisors.

    The good news is, even if we exclude the smart advisor and analysis features, uSMART’s app is really good. Whether you’re a beginner or an experienced investor with a bank already, you’d want to give it a try yourself.

    Discover the Best Investment Account Fees and offers

    HK Market
    US Market
    Robo Advisors
    logo
    Futubull
    Other Fee
    N/A
    Avg. Trade Cost
    HKD 15
    Welcome Offer: Welcome Offer: Enjoy up to HK$1,800 welcome offer Register a new account on or before 30th November 2024 by using Planto exclusive promo code “PLANTO” can enjoy the below rewards: 1) Planto exclusive offer : Enter promo code “PLANTO” BEFORE account opening can enjoy HK$200 cash coupon 2) Lifetime commission-free for HK stocks and US stock LV2 real-time streaming quotation services 3) Open an account, deposit a total of HK$10,000 or above into the Futu HK account. Maintain 60 days daily average asset* of HK$10,000 or above to receive : Nvidia (NYSE:NVDA) - 0.5 share or HK$600-equivalent BTC or HK$400 supermarket e-voucher 4) Open an account, deposit a total of HK$80,000 or above into the Futu HK account. Maintain 60 days daily average asset* of HK$80,000 or above to receive : Nvidia (NYSE:NVDA) – 1 share or HK$1,000 equivalent BTC Redemption procedures : Download Futu app; Register an account and go to Activity Centre; Enter “PLANTO” in redemption centre before account opening. Detailed procedures can refer to review article All rewards can be stacked. As of the closing price on 14 Oct 2024, Nvidia (NYSE: NVDA) stock price was US$138.07/share Asset calculation method: Sum of the everyday assets/60 days; Including Cash/ Stocks/ Funds/ Options/ Futures Investment involves risks. The fund price may move up or down. Investor should thoroughly study the funds' offering documents and other related documents (including risk disclosure statements). Terms and Conditions apply
    See more
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    logo
    Tiger Brokers
    Other Fee
    0
    Avg. Trade Cost
    HKD 0
    Welcome Offer: Successfully open an account through Planto’s exclusive link then complete certain tasks from 12th October 2024 to enjoy up to HK$2,700 worth of reward: - Exclusive HK$400 supermarket vouchers from Planto after depositing HK$10,000 , plus: 1. Time-limited Commission-Free Rewards - Permanent 0 commission on Hong Kong stock trades - 0 platform fee for Hong Kong stock trades (until December 31, 2024) - 0 Commission on US Stock Options Trading (until December 31, 2024) - 0 Commission on Crypto Trading (until December 31, 2024) - 0 Platform Fees on Crypto Trading until December 31, 2024) - NYSE Arca Level 2 Deep Quote streaming for US stocks (valid until December 31, 2024) - US stock options Level 1 real-time quotes (until December 31, 2024) - 365-day A-share commission-free coupon (available if you open an account before December 31, 2024) 2. New clients account opening awards, fund more for 60 consecutive days to get more (please refer to T&Cs for detailed qualifications) - Net deposit* HK$10,000 or US$1,500 or above : to activate HK$300 stock voucher (3x HK$100 vouchers) - Net deposit* HK$100,000 or above : to activate HK$600 stock vouchers (6x HK$100 vouchers) 3. New Client Trading Rewards - Complete 5 U.S. stock purchases (excluding fractional shares) within 60 days of account opening : Activate total worth HK$300 Trading Cash Vouchers (3 x HK$100 vouchers) - Complete 10 U.S. stock purchases (excluding fractional shares) within 60 days of account opening : Activate total accumulated worth HK$600 Trading Cash Vouchers (6x HK$100 vouchers) - Complete 20 U.S. stock purchases (excluding fractional shares) within 60 days of account opening : Activate total accumulated worth HK$1,200 Trading Cash Vouchers(12x HK$100 vouchers) 4. Crypto Trading Rewards Complete 5 cryptocurrency purchases within 60 days of account opening : Activate total worth HK$500 Crypto trading vouchers (5x HK$100 vouchers) * Offers are subject to terms and conditions
    See more
    See more
    logo
    Interactive Brokers
    Other Fee
    0
    Avg. Trade Cost
    Welcome Offer: Earn up to 4.83% annual interest rate on positive settled cash balance for accounts with total NAV of US$100,000 or higher. (Accounts with NAV of less than US$100,000 receive interest at rates proportional to the size of the account. Interest rate if for reference only, it may change any time according to market condition)
    See more
    See more

    Important information:

    Investment involves risks. This information is intended to be educational and is not tailored to the investment needs of any specific investor. This information does not constitute investment advice and should not be used as the basis for any investment decision nor should it be treated as a recommendation for any investment or action. Past performance is no guarantee of future results. The value of investments and the income from them can go down as well as up, so you may not get back what you invest.

    #Investing 101
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    Table of ContentsTable of Contents
    • What’s great about uSMART?

    • Opening uSMART Account in 3 Minutes

    • Stock Investment Tools and Research

    • Smart Fund Platform

    • Summary

    • Discover the Best Investment Account Fees and offers
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