Listen to #Hashtag Hong Kong every Sunday morning at 8.15
Focussing on issues affecting civil society, we'll hear from representatives of NGOs, associations, statutory bodies, and non-profit groups.
(Sundays 8.15am - 8.25am)
The Hong Kong Jockey Club Financial Education Programme is an initiative designed to empower upper primary students with essential financial competency they need for financial well-being and lifelong success.
Financial capability is more than just a skill—it’s a life necessity. It determines whether young people can navigate adulthood with confidence, achieve financial stability, and avoid pitfalls like scams or poor financial decisions. While Hong Kong ranks highly on global financial literacy indices, younger individuals often exhibit lower scores and express dissatisfaction with their financial situations.
Regardless of socio-economic background, all young people face financial decisions that can shape their long - term well-being. Unfortunately, most existing initiatives and after-school activities often fall short of providing a comprehensive, scalable solution. This gap underscores the urgent need for a structured, impactful programme like the one we’re discussing today.
Aligned with curriculum reforms in primary school Humanities subjects and supported by the Education Bureau, this programme is a collaborative effort initiated and funded by The Hong Kong Jockey Club Charities Trust . Partners include The University of Chicago Financial Education Initiative , The Education University of Hong Kong , the Hong Kong Family Welfare Society , CoCoon Foundation , and Solomon Learning Group .
At its core, the programme seeks to strengthen financial literacy as a future-ready skill. By equipping students with essential knowledge, the right mindset, and critical decision-making abilities, it aims to help them achieve long-term financial well-being and personal fulfillment. Students will learn to judge right from wrong in financial matters, avoid scams, and make informed choices, these are skills indispensable in today’s fast-paced digital economy.
What distinguishes this initiative is its holistic and sustainable design. By collaborating with local educators and global experts, the programme delivers high-quality learning materials and professional development support. Its integration into the formal curriculum ensures longevity, while its focus on experiential learning and community engagement makes it uniquely impactful.
The programme adopts a holistic approach, engaging three key stakeholders: students, teachers, and parents.
Central to the programme is a culturally relevant, age-appropriate curriculum tailored for upper primary students. Developed in alignment with the Hong Kong Financial Competency Framework and researches from the University of Chicago’s Financial Education Initiative, the curriculum integrates financial education into formal lessons, particularly in Humanities subjects. This ensures sustainability and creates a lasting impact within the school system.
To reinforce classroom learning, experiential activities such as marketplaces and inter-school competitions allow students to apply decision-making skills in real-life scenarios. These activities foster critical thinking, practical decision-making and problem-solving skills, helping students build confidence in assessing risks, and making sound judgments.
Teachers are pivotal to the programme’s success. To support them, professional development training and certification are provided, equipping educators with the tools and expertise needed to teach financial education effectively. Additionally, Communities of Practice will be established, bringing together teachers from different schools to co-create resources, share experiences, and foster collaboration. This network ensures that best practices are shared and scaled across participating schools.
Parents play an equally vital role in shaping their children’s financial habits. The programme offers parent-child workshops and public talks, providing expert advice and practical strategies for modeling sound financial behavior. Parents will also learn how to guide their children in recognising and avoiding financial scams which is a growing concern in today’s digital age. By involving parents, the programme creates a supportive ecosystem that reinforces financial education both at home and in school.
To ensure effectiveness, the programme incorporates an evidence-based evaluation design. This approach assesses student learning outcomes and provides valuable insights for continuous improvement. Data-driven feedback loops enable the programme to adapt and evolve, ensuring maximum impact.
Over the course of its implementation, the programme will benefit:
17,800 students , 240 teachers , and 1,500 parents across 70 schools.By targeting these groups, the programme creates a ripple effect, fostering a culture of financial literacy in school system.
The Hong Kong Jockey Club Financial Education Programme represents a critical step toward preparing young people for the future. By equipping them with the skills, knowledge, and mindset to make sound financial decisions, we are nurturing a generation of confident, financially responsible citizens.
Financial education is not just about numbers, it’s about empowerment, resilience, and opportunity. Together, we can create a brighter future for our children and our communities.
06/04/2025 - Daniel Lai - Programme Director of the Hong Kong Jockey Club Financial Education Programme
World Heritage Day 2024 marks on 18th April. The significance of this occasion resonates deeply within me. Beyond its global celebration of heritage conservation, this day serves as a call to action for communities worldwide to reaffirm our dedication to protecting our heritage and cultural identity. Today, I'm compelled to share my thoughts not just as a seasoned heritage and cultural tour operator, but also as a passionate advocate for the preservation of our city's rich heritage and culture.
Heritage transcends mere buildings and historic sites; it embodies the essence and identity of a city, weaving together the stories and memories of generations. Whenever I lead heritage tours and delve into the archives of old Hong Kong photographs, a profound sense of nostalgia washes over me. When I saw old pictures of the elegant colonial architecture of Central, the charming row of walk-up shophouses of Kowloon, or the rustic beauty of the New Territories – these are not mere structures but repositories of our collective history and livelihood. Sadly, many of these architectural gems have succumbed to the pressures of rapid urbanization and development.
Witnessing the loss of our heritage is truly heartbreaking, as each demolition represents a potential loss of our remaining sites if we do not take decisive action. Once these architectural marvels are gone, they cannot be replaced, and with their disappearance, we lose a vital part of our cultural identity. Missed opportunities to leverage our heritage as a unique selling point for our city are evident, especially as we work towards revitalizing our tourism industry
post-pandemic. Nevertheless, there is still time to effect change. Transitioning into a heritage advocate has led me to frequently ponder the relevance of my cause. To me, the answer is clear – we have a duty to conserve what makes our city exceptional. In a world saturated with standardized attractions and tourist traps, our heritage stands as a beacon of authenticity and uniqueness.
Safeguarding our heritage is imperative if we wish to maintain our status as a leading tourism destination."
That is the major reason why we launched the conservation campaign to save the State Theatre, the largest surviving standalone theatre building on Hong Kong Island. During the campaign, we've adopted a comprehensive approach with the hope of enhancing the survival chance of this building. Not only did we successfully lobby the theatre from a Grade 3 proposed Historic building status to that of Grade 1, but we also enhanced the public’s emotional attachment to the
site through talks, walking tours, and interviews, etc. To this day, we persist in refining our strategies to strike a balance between conservation with economic sustainability.
We know that heritage conservation isn't just about preserving physical structures; only by also excavating its stories and memories can we truly preserve the spirit of a place. That is why we have produced To Be Continued, a documentary which chronicles the life and legacy of State Theatre’s founder, Harry Odell, the first impresario in Hong Kong, whose relentless efforts to invite best performers from the world to Hong Kong has made our city already a “East-meets-West centre for international cultural exchange” in the 1950s.
We also recognize the crucial role of integrating heritage with sustainable tourism as a way to deepen our present connections to the past. As part of this recognition, we have launched a tourism innovation project supported by the Countryside Conservation Funding Scheme. Our project aims to revitalise the villages of Sha Tau Kok and Yan Chau Tong areas by introducing immersive and sustainable tourism experiences in their Hakka villages. By leveraging the rich heritage of Hakka houses and the picturesque village landscapes, we curate unforgettable experiences such as seasonal dining against the backdrop of a majestic Hakka mansion. These immersive experiences enable both visitors and locals to connect with and embody the stories, memories, and rituals, thereby passing on the spirit of the past and its cultures to the present. We firmly believe that such emotional encounters are integral to our ongoing efforts to advance the cause of heritage conservation.
As the Chinese proverb wisely reminds us, "A journey of a thousand miles begins with a single step." Next Thursday, on 18th April, I encourage you all to think about the ways we can increase awareness regarding the preservation of important monuments and cultures. Perhaps the most straightforward way to celebrate one’s cultural heritage on World Heritage Day is by authentically living one’s life in a way that embodies who we are and where we come from, but we can also think of the little ways we can protect our shared heritage and humanity. Look online to see if any community events are going on in the city that tell stories about our surroundings. Spread awareness by posting pictures of little-known historical sites on social media. World Heritage is about the humanity and stories we share, and our collective responsibility in keeping these stories and sites alive.
I urge you all to join me in this journey to protect and preserve our heritage. Let us celebrate our past, embrace our present, and safeguard our future.