For 23 years, I’ve been in the banking world - retail, corporate, investment - and one thing has remained constant: I’ve always felt there wasn’t a truly great service for everyday investors to help them build wealth
Good relationship managers are rare, and they often steer clients toward products that better suit their own interests and goals. Even the big names - fund managers, sell-side analysts - often miss the mark and have their own agendas. A senior research head once joked, half-laughing, that even the best only get it right a little over 50% of the time, but when they do, they shout; when they don’t, they stay quiet. Further working against everyday investors is that the best advice is often to simply do nothing, but that’s not exactly ‘advice’ a relationship manager, fund manager, sell-side analyst or media can give to draw attention and to get paid. As the late Charlie Munger notes, "The big money is not in the buying and selling, but in the waiting.”
For everyday people like you and me, I believe it’s critical to know what you’re investing in and to be patient. That can be tough. Analyzing hundreds of pages of annual reports and corporate announcements. Filtering out the noise from all the different media and brokerage outlets, each with their own take on how the markets and companies might perform. And then the market still behaves unpredictably. Making sense of all the financial jargon. And in Asia, information asymmetry adds to the confusion—where some local insights are only in local languages, while investing in US-listed companies is often only in English. And of course, the 50 shades of emotions in investing, where a loss can sting twice as much as a comparable gain can feel good.
That’s why Ced and I started EC² Invest.
We had a dream. A dream where everyone - including ourselves - could achieve our most ambitious financial futures We wanted to bring tools, knowledge, and insights that can help everyone improve their financial health, leveraging the latest advancements in AI. To be clear, AI is also not a good prophet on whether a stock will leap or plummet tomorrow. Where AI excels is orchestration: collating annual reports, filings, earnings calls, financial data, macro data, news and street sentiment, then analysing and distilling it into your language, your experience level, and your curiosity.
Know what you’re investing inThis is an area that AI can be a game changer. Risk comes from not knowing what you're doing. EC² Invest hands you that knowledge—clear, concise, multilingual—so you decide with eyes wide open. Approach investment as if you're buying the entire business. Learn as much about it as possible, and that's what this platform helps you do. Many of us spend more time understanding the functions and comparing prices of the next rice cooker we're looking to buy than on our next investments—which may be 100x the quantum—and all we often do is stare at the ticker price graph.
Here's what knowing means in practice:
The risk actually comes from not knowing what you're doing.
Second is patience. When I was building a digital bank, I saw that a lot of people prefer deposits or time deposits over investments. Long-term, that's a pretty tough strategy to build wealth. For instance, today, the interest rate on savings accounts in Hong Kong is just 0.01%; time deposits offer around 2–3%, but inflation can easily eat away at half of that. On the other hand, equities have historically delivered 8-10% returns over time.
A simple monthly savings plan (SIP) of HK$2,000 starting at age 25 could grow to over HK$10 million by retirement. Back to Charlie’s point around, "The big money is not in the buying and selling, but in the waiting."
To be clear, ppatience does not mean passivity. It means:
Knowledge breeds conviction; conviction breeds calm. When you understand the business, daily price fluctuations become noise.
We spend enormous energy on our physical health. Yet when it comes to financial health, many of us wing it. What if we approached wealth building like fitness training?
Your financial health deserves the same intentionality as your physical health. EC² Invest helps you see where you stand, track your progress, and make informed decisions.
Our aim is to bring the 1% toolkit to the 99% with AI. This means:
Whether you're reading in English, Traditional Chinese, or Simplified Chinese—whether you're a beginner or an advanced investor—you get insights tailored to you. Not one-size-fits-all reports, but personalized understanding.
Investing isn't just about stocks. It's about understanding whether to rent or buy, how to manage debt, when to take career risks, and how to plan for retirement. We connect the dots between your daily life and your financial future.
Let your financial journey begin here.
Not because we promise to make you rich overnight. We don't.
We believe that with the right knowledge, the right tools, and the right mindset, you can build wealth that lasts—wealth that gives you freedom, security, and the ability to live your most ambitious life.
Let’s grow—confidently, joyfully, together.
Ed
Co-Founder, EC² Invest
Good relationship managers are rare, and they often steer clients toward products that better suit their own interests and goals. Even the big names - fund managers, sell-side analysts - often miss the mark and have their own agendas. A senior research head once joked, half-laughing, that even the best only get it right a little over 50% of the time, but when they do, they shout; when they don’t, they stay quiet. Further working against everyday investors is that the best advice is often to simply do nothing, but that’s not exactly ‘advice’ a relationship manager, fund manager, sell-side analyst or media can give to draw attention and to get paid. As the late Charlie Munger notes, "The big money is not in the buying and selling, but in the waiting.”
For everyday people like you and me, I believe it’s critical to know what you’re investing in and to be patient. That can be tough. Analyzing hundreds of pages of annual reports and corporate announcements. Filtering out the noise from all the different media and brokerage outlets, each with their own take on how the markets and companies might perform. And then the market still behaves unpredictably. Making sense of all the financial jargon. And in Asia, information asymmetry adds to the confusion—where some local insights are only in local languages, while investing in US-listed companies is often only in English. And of course, the 50 shades of emotions in investing, where a loss can sting twice as much as a comparable gain can feel good.
That’s why Ced and I started EC² Invest.
We had a dream. A dream where everyone - including ourselves - could achieve our most ambitious financial futures We wanted to bring tools, knowledge, and insights that can help everyone improve their financial health, leveraging the latest advancements in AI. To be clear, AI is also not a good prophet on whether a stock will leap or plummet tomorrow. Where AI excels is orchestration: collating annual reports, filings, earnings calls, financial data, macro data, news and street sentiment, then analysing and distilling it into your language, your experience level, and your curiosity.
Know what you’re investing inThis is an area that AI can be a game changer. Risk comes from not knowing what you're doing. EC² Invest hands you that knowledge—clear, concise, multilingual—so you decide with eyes wide open. Approach investment as if you're buying the entire business. Learn as much about it as possible, and that's what this platform helps you do. Many of us spend more time understanding the functions and comparing prices of the next rice cooker we're looking to buy than on our next investments—which may be 100x the quantum—and all we often do is stare at the ticker price graph.
Here's what knowing means in practice:
The risk actually comes from not knowing what you're doing.
Second is patience. When I was building a digital bank, I saw that a lot of people prefer deposits or time deposits over investments. Long-term, that's a pretty tough strategy to build wealth. For instance, today, the interest rate on savings accounts in Hong Kong is just 0.01%; time deposits offer around 2–3%, but inflation can easily eat away at half of that. On the other hand, equities have historically delivered 8-10% returns over time.
A simple monthly savings plan (SIP) of HK$2,000 starting at age 25 could grow to over HK$10 million by retirement. Back to Charlie’s point around, "The big money is not in the buying and selling, but in the waiting."
To be clear, ppatience does not mean passivity. It means:
Knowledge breeds conviction; conviction breeds calm. When you understand the business, daily price fluctuations become noise.
We spend enormous energy on our physical health. Yet when it comes to financial health, many of us wing it. What if we approached wealth building like fitness training?
Your financial health deserves the same intentionality as your physical health. EC² Invest helps you see where you stand, track your progress, and make informed decisions.
Our aim is to bring the 1% toolkit to the 99% with AI. This means:
Whether you're reading in English, Traditional Chinese, or Simplified Chinese—whether you're a beginner or an advanced investor—you get insights tailored to you. Not one-size-fits-all reports, but personalized understanding.
Investing isn't just about stocks. It's about understanding whether to rent or buy, how to manage debt, when to take career risks, and how to plan for retirement. We connect the dots between your daily life and your financial future.
Let your financial journey begin here.
Not because we promise to make you rich overnight. We don't.
We believe that with the right knowledge, the right tools, and the right mindset, you can build wealth that lasts—wealth that gives you freedom, security, and the ability to live your most ambitious life.
Let’s grow—confidently, joyfully, together.
Ed
Co-Founder, EC² Invest
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