Our Courses
Three programmes. One coherent path through investment income.
Start where your knowledge is. Work through all three, or begin at the level that fits your situation.
Back to HomeOur Methodology
What all three programmes share
Every Oxherd Ledger programme is built around the same core principle: that good financial education helps you think more clearly about your own situation, rather than telling you what to do about it. We use historical data to show what investment income has actually looked like. We ask participants to apply the concepts to their own numbers through written exercises. We are direct about what is uncertain or complex.
Foundations of Investment Income
This course is designed for Hong Kong residents in their 40s and 50s who want to understand the realistic landscape of investment income — what different income sources actually are, how they have behaved historically, and what "passive" income really means in daily practice.
What you'll cover
- Dividends, interest, rental income, and total return — how each works and differs
- Historical yield ranges across major asset classes for Hong Kong-based investors
- Why "passive" income involves more active management than commonly assumed
- Calibrating expectations using real market data, not hypothetical returns
- The role of risk in income generation — yield and volatility trade-offs
How it's structured
Building a Diversified Income Portfolio
For participants ready to think through how to construct a portfolio with meaningful income generation alongside long-term capital preservation. This programme covers asset class allocation in depth and pays particular attention to the tax treatment of each income type for Hong Kong residents.
What you'll cover
- Allocation across dividend equities, bond portfolios, REITs, and cash instruments
- Tax treatment of each income type for Hong Kong residents — what applies and what doesn't
- Portfolio concentration risk and why diversification in income sources matters
- Correlation of income streams across market conditions
- Written allocation exercise applied to your own time horizon and portfolio size
How it's structured
Long-Horizon Income Planning Programme
The most comprehensive of the three programmes. Designed for learners who want to think about investment income not just today but across three or four decades — from current allocation decisions through to late retirement. Each participant builds a written long-horizon income plan over the course of ten weeks.
What you'll cover
- Real-terms income planning — income that keeps pace with price changes over decades
- The discipline of partial withdrawal versus reinvestment across different market conditions
- Cash buffer sizing and the role of liquidity in a long-horizon income plan
- Integration with MPF and other retirement assets in the Hong Kong context
- Sequence-of-returns risk and how it affects income withdrawal strategies
- Building and refining a written long-horizon income plan across the programme
How it's structured
Which Course Is Right for Me?
Comparing the three programmes
| Feature | Foundations HKD 1,580 · 4 weeks |
Diversified Portfolio HKD 2,280 · 6 weeks |
Long-Horizon Planning HKD 3,120 · 10 weeks |
|---|---|---|---|
| Best for | Those new to investment income concepts | Those ready to think about portfolio construction | Those planning income across 20–40 years |
| Prior knowledge required | None — designed as an entry point | Foundations course or equivalent understanding | Foundations and Portfolio courses, or strong existing knowledge |
| Written exercise delivered | Expectations calibration exercise | Portfolio allocation exercise | Full long-horizon income plan |
| MPF coverage | Introductory mention | Relevant to allocation discussion | Dedicated module — central to planning |
| Time horizon addressed | Current income landscape | Medium-term portfolio thinking | Three to four decades |
| Instructor feedback | Group review session | Individual exercise review | Individual income plan review session |
Standards Across All Courses
What you can expect from any Oxherd Ledger programme
Full independence
No affiliated financial products. No referral arrangements. Course fees are the only source of income. This means content is shaped solely by educational criteria.
Annual curriculum review
Materials are reviewed every year against current Hong Kong market data, MPF regulations, and applicable tax treatment. You receive current, not dated, content.
Small cohorts
We limit cohort sizes so that participants receive real attention, not just access to material. Questions receive direct answers from the teaching team.
Transparent terms
Enrolment, withdrawal, and refund terms are written plainly. See our Terms & Conditions for the full policy.
Evidence-based content
All yield figures and historical examples in the curriculum are drawn from documented datasets, not constructed for effect.
Education, not advice
These programmes help you think more clearly. They do not tell you what to buy. Participants are encouraged to work with a licensed adviser for product-level decisions.
Programme Fees
Straightforward pricing — no hidden costs
Course 1
Foundations
HKD 1,580
Four-week programme · all materials included
- Four weeks of structured weekly content
- Written expectations calibration exercise
- Group review and Q&A session
- All course materials included
Course 2
Diversified Portfolio
HKD 2,280
Six-week programme · all materials included
- Six weeks of structured weekly content
- Written portfolio allocation exercise
- Individual exercise feedback from instructor
- All course materials included
Course 3
Long-Horizon Planning
HKD 3,120
Ten-week programme · all materials included
- Ten weeks of structured weekly content
- Full written long-horizon income plan
- Individual income plan review session
- All course materials included
Not sure which course to begin with?
Write to us with a brief note about your situation and current knowledge, and we'll suggest where to start.
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