Gladstone morgan HK is run to maximise profit for them at great risk to their clients. They have undertrained, overworked staff who really do not care about your investments with them. | How do I know this? Well I have lost over 25% of my investments with them because of a careless mistake made by one of their HK staff. | If you are thinking of using them to invest, think again. You are better served going direct to Zurich and buying your policy/fund through them. Whatever the extra hassle, believe me, it is worth more than losing a great sum of money, because of staff that just don’t care. | You have been warned!