Comics artist Ma Wing-shing, famous for his works such as The Chinese Hero and Wind and Cloud series, is also a savvy investor. He owns over 30 properties and his personal wealth is estimated to be at least a couple of billion Hong Kong dollars.
Ma started to produce The Chinese Hero series when he was 20. At the age of 23, sales of his comic books surpassed those of his boss, Wong Yuk-long, often referred to as the godfather of Hong Kong comics.
Wong disclosed in 1989 that Ma was already earning HK$6 million a year at the time.
Back then, one could own a two-bedroom flat in Taikoo Shing for only HK$1 million, which means Ma could buy six of those flats with his income.
Ma later started his own studio and produced the even more popular comics series Wind and Cloud, further boosting his wealth.
Though Wong was able to build his own business empire and successfully had it listed, he then suffered badly from his stock investments, and was put behind bars for four years after he was found guilty of embezzling HK$30 million from his listed company.
Wong managed to stage a comeback in 1993, but Ma was already far ahead of him in terms of personal wealth.
The two stars of Hong Kong comics have very different personalities and approaches to wealth management.
Wong is said to be more into short-term trading, with a tendency to overlook risks and become too optimistic at times.
Ma invests in both properties and stocks, but mostly properties.
The only two stocks he holds at the moment are HSBC Holdings (00005.HK) and the Hong Kong Tracker Fund (02800.HK). One probable reason for his focus on properties is the fact that he also dabbles in interior design as a hobby.
Ma regards each of his property holdings as a long-term investment.
He only buys properties that he likes. “Not everybody can catch the best timing, and I never aim to fish the bottom. The only thing I care is whether it’s worth it or not,” he said.
His ability to remain calm and patient has enabled him to land bargain deals from time to time. He bought a luxury house at Severn 8 on the Peak for HK$76 million right after the 2008 financial crisis. Now the value of that house has already more than doubled.
He was also able to sail through difficult times, such as in 1997, 2003 and 2008, thanks to the stable cashflow from his own business and previous investments.
This article appeared in the Hong Kong Economic Journal on Oct 18
Translation by Julie Zhu
獨愛港島區豪宅
現時，馬榮成手上物業市值逾七億元，當中大部分為一級豪宅，除倚巒外，還有布力徑獨立屋、大潭雅柏苑、大坑嘉崙臺、貝沙灣、西貢溱喬等，「收藏」豐富。「豪宅市場係世界性嘅，內地客或各國嘅基金都係買家，當中以供應量有限的港島區，升值潛力最高，有靚貨不妨揸住。」
揭開他投資豪宅歷史，買賣過的大潭紅山半島、浪琴園、淺水灣道怡峰及禮頓山等，賺過逾八千五百多萬；位置通通在港島，難怪他對港島區情有獨鍾。對於揀樓，自稱非專業投資者的馬榮成，有自己一套原則。「一定要係自己鍾意，會去住嘅。」除了豪宅的地點、配套，身為漫畫家的馬榮成，特別留意從屋內窗口望出去嘅畫面，以及屋內的光線。
「倚巒最值錢係景觀，位置罕有，但長方形設計，室內光線唔夠，而且出入唔方便。最鍾意大潭雅柏苑，有對流窗兼落地玻璃，地點方便，我今次買埋雅柏苑同座樓下嘅單位，足足等咗十年，就係想第日自己住就打通做複式。」
最近司徒拔道名廈曉廬有個銀主盤拍賣，馬榮成表示曾參觀過曉廬。「咁好景觀，個廳竟然冇落地玻璃，感覺唔係好豪，泳池又唔夠大。」不過，同樣位於司徒拔道的單幢舊樓白璧，最近一度引起馬榮成興趣。「位置一流，坐擁跑馬地全景，遠眺維港，可惜已有三十五年樓齡，又冇會所，漫畫節前開價七千萬，幾日後已加價至七千八百萬，但月租大約只有十幾萬，即回報率只有約一釐，唔抵，老婆都反對。」
港島區豪宅另一吸引之處是供應少，反彈力強。「樓市有起有落，新界樓一跌就好傷，且升幅好慢，九四年買加州花園，揸咗十一年，先賺得少少。（注：賺六萬元）。」相反，於九七年以八千八百八十萬買入的布力徑獨立屋，現市值已達一億九。另外，近年名氣較大的元朗葡萄園及大埔比華利山，則因為設計古典，不合馬榮成胃口。
馬榮成強調，買樓的資金全部來自本業。今年，剛好是天下出版及《天下畫集》成立二十周年，正是這本每冊只有三十版，現為雙週刊的漫畫，為馬榮成帶來累計數億元的財富。
手持現金永無憂
回想買入倚巒當日，不少買家同樣虎視眈眈，馬榮成的王牌是「現金」。「我唔使做按揭，但人哋就要先找銀行估價、借錢，當日係星期日，最快都要一、兩日先有答覆。」去年十一月，正值海嘯最黑暗時期，銀行均收緊銀根，而大屋的前業主是做科技公司的廠家，第一手向新地購入價也要九千三百萬。馬榮成為奪取心頭好，「大拿拿」豪擲七千六百萬買樓，震驚市場。「我冇債，有咩好擔心？就算倚巒聽日跌到一蚊，對我嘅生活都冇影響，相反借咗按揭嘅，先要驚利息升跌，或者租唔出。」
馬榮成表示，當時他亦鼓勵公司同事買樓。「海嘯後，樓價跌咗逾三成，但恐慌其實來自證券、基金界，我手上股票好少，所以唔驚。」
今年五月，馬榮成再以四千七百多萬現金，買入大潭雅柏苑中層單位，半年內，豪擲過億元現金入市，實力驚人。「當中部分資金係去年海嘯前，賣咗一批股票，包括盈富等，套返來嘅。」馬榮成表示自己八成資金均在樓市，最近樓價飛升，卻未有套現打算。「揸住資金唔知做乜，銀行又冇息，個市咁旺，貴賣貴買，一來一回，未必着數。」
Ma started to produce The Chinese Hero series when he was 20. At the age of 23, sales of his comic books surpassed those of his boss, Wong Yuk-long, often referred to as the godfather of Hong Kong comics.
Wong disclosed in 1989 that Ma was already earning HK$6 million a year at the time.
Back then, one could own a two-bedroom flat in Taikoo Shing for only HK$1 million, which means Ma could buy six of those flats with his income.
Ma later started his own studio and produced the even more popular comics series Wind and Cloud, further boosting his wealth.
Though Wong was able to build his own business empire and successfully had it listed, he then suffered badly from his stock investments, and was put behind bars for four years after he was found guilty of embezzling HK$30 million from his listed company.
Wong managed to stage a comeback in 1993, but Ma was already far ahead of him in terms of personal wealth.
The two stars of Hong Kong comics have very different personalities and approaches to wealth management.
Wong is said to be more into short-term trading, with a tendency to overlook risks and become too optimistic at times.
Ma invests in both properties and stocks, but mostly properties.
The only two stocks he holds at the moment are HSBC Holdings (00005.HK) and the Hong Kong Tracker Fund (02800.HK). One probable reason for his focus on properties is the fact that he also dabbles in interior design as a hobby.
Ma regards each of his property holdings as a long-term investment.
He only buys properties that he likes. “Not everybody can catch the best timing, and I never aim to fish the bottom. The only thing I care is whether it’s worth it or not,” he said.
His ability to remain calm and patient has enabled him to land bargain deals from time to time. He bought a luxury house at Severn 8 on the Peak for HK$76 million right after the 2008 financial crisis. Now the value of that house has already more than doubled.
He was also able to sail through difficult times, such as in 1997, 2003 and 2008, thanks to the stable cashflow from his own business and previous investments.
This article appeared in the Hong Kong Economic Journal on Oct 18
Translation by Julie Zhu
獨愛港島區豪宅
現時，馬榮成手上物業市值逾七億元，當中大部分為一級豪宅，除倚巒外，還有布力徑獨立屋、大潭雅柏苑、大坑嘉崙臺、貝沙灣、西貢溱喬等，「收藏」豐富。「豪宅市場係世界性嘅，內地客或各國嘅基金都係買家，當中以供應量有限的港島區，升值潛力最高，有靚貨不妨揸住。」
揭開他投資豪宅歷史，買賣過的大潭紅山半島、浪琴園、淺水灣道怡峰及禮頓山等，賺過逾八千五百多萬；位置通通在港島，難怪他對港島區情有獨鍾。對於揀樓，自稱非專業投資者的馬榮成，有自己一套原則。「一定要係自己鍾意，會去住嘅。」除了豪宅的地點、配套，身為漫畫家的馬榮成，特別留意從屋內窗口望出去嘅畫面，以及屋內的光線。
「倚巒最值錢係景觀，位置罕有，但長方形設計，室內光線唔夠，而且出入唔方便。最鍾意大潭雅柏苑，有對流窗兼落地玻璃，地點方便，我今次買埋雅柏苑同座樓下嘅單位，足足等咗十年，就係想第日自己住就打通做複式。」
最近司徒拔道名廈曉廬有個銀主盤拍賣，馬榮成表示曾參觀過曉廬。「咁好景觀，個廳竟然冇落地玻璃，感覺唔係好豪，泳池又唔夠大。」不過，同樣位於司徒拔道的單幢舊樓白璧，最近一度引起馬榮成興趣。「位置一流，坐擁跑馬地全景，遠眺維港，可惜已有三十五年樓齡，又冇會所，漫畫節前開價七千萬，幾日後已加價至七千八百萬，但月租大約只有十幾萬，即回報率只有約一釐，唔抵，老婆都反對。」
港島區豪宅另一吸引之處是供應少，反彈力強。「樓市有起有落，新界樓一跌就好傷，且升幅好慢，九四年買加州花園，揸咗十一年，先賺得少少。（注：賺六萬元）。」相反，於九七年以八千八百八十萬買入的布力徑獨立屋，現市值已達一億九。另外，近年名氣較大的元朗葡萄園及大埔比華利山，則因為設計古典，不合馬榮成胃口。
馬榮成強調，買樓的資金全部來自本業。今年，剛好是天下出版及《天下畫集》成立二十周年，正是這本每冊只有三十版，現為雙週刊的漫畫，為馬榮成帶來累計數億元的財富。
手持現金永無憂
回想買入倚巒當日，不少買家同樣虎視眈眈，馬榮成的王牌是「現金」。「我唔使做按揭，但人哋就要先找銀行估價、借錢，當日係星期日，最快都要一、兩日先有答覆。」去年十一月，正值海嘯最黑暗時期，銀行均收緊銀根，而大屋的前業主是做科技公司的廠家，第一手向新地購入價也要九千三百萬。馬榮成為奪取心頭好，「大拿拿」豪擲七千六百萬買樓，震驚市場。「我冇債，有咩好擔心？就算倚巒聽日跌到一蚊，對我嘅生活都冇影響，相反借咗按揭嘅，先要驚利息升跌，或者租唔出。」
馬榮成表示，當時他亦鼓勵公司同事買樓。「海嘯後，樓價跌咗逾三成，但恐慌其實來自證券、基金界，我手上股票好少，所以唔驚。」
今年五月，馬榮成再以四千七百多萬現金，買入大潭雅柏苑中層單位，半年內，豪擲過億元現金入市，實力驚人。「當中部分資金係去年海嘯前，賣咗一批股票，包括盈富等，套返來嘅。」馬榮成表示自己八成資金均在樓市，最近樓價飛升，卻未有套現打算。「揸住資金唔知做乜，銀行又冇息，個市咁旺，貴賣貴買，一來一回，未必着數。」
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