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Getting started

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How can HSBC help you make more of your money?

Whether your dream is to retire in style, put your children through university or safeguard your future, we have a range of products and services to help you achieve the future you want.

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Want to know how you can invest with HSBC?

The first steps to planning your finances

Managing your money can seem daunting at the best of times. And with the current economic climate and media commentary it’s tempting to take a head-in-the-sand approach with your finances.

With a bit of careful planning, you can get your finances in good shape and ride out the economic turmoil. We have experts on hand to help you throughout your financial life, and lots of information here for you to start with.

Investments jargon buster

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Want to know how you can invest with HSBC?

  • Time commitment

    Most investments should be considered as a medium to long-term commitment, meaning you should be prepared to hold them for at least five years.

  • Investment risk

    All investments carry some risk. The value of investments (and any income received from them) can fall as well as rise and you may not get back what you invested. For some investments this can also happen as a result of exchange rate fluctuations as shares and funds may have an exposure to overseas markets.

  • Tax benefits

    The value of any tax benefits this product can offer will depend on your individual circumstances – tax rules may change in future.

Our top 5 FAQs

  1. What is the difference between a Cash ISA and a Stocks and Shares ISA?
    What is the difference between a Cash ISA and a Stocks and Shares ISA?

    With a Cash ISA, you make cash deposits similar to any other savings account, except that all interest earned is received tax free.

    With a Stocks and Shares ISAs, you invest your money into either a collective investment scheme (eg, 'investment funds' which invest in a range of different assets such as shares, government bonds, gilts and even other investment funds), or directly into individual stocks and shares (eg, equities or bonds).

    Stocks and Shares ISAs are not investments in their own right, they are tax wrappers that surround an investment to provide the tax efficient returns. The value of your Stocks and Shares ISA will depend on how well the underlying investments (ie, investment funds or individual stocks and shares) perform, and whether you choose to have any income re-invested or paid out at regular intervals.

    All UK residents are able to save in Cash ISAs from the age of 16 years. From the age of 18, you can start investing in Stocks and Shares ISAs, although do bear in mind that your investment can go down as well as up. This means that you could get back less than the amount you originally invested.

  2. Where can I get advice on my investments?
    Where can I get advice on my investments?

    If you have at least £50,000 in savings and investments, we can offer advice on a range of HSBC and non-HSBC products and will build a bespoke financial plan, tailored to your individual needs.

    If you do not meet the qualifying criteria, we can offer advice on our savings, mortgage and protection products but we can no longer provide you with advice on investments, pensions, protection and estate planning via one of our Premier Client Managers.

    For details of Independent Financial Advisers in your local area, visit www.moneyadviceservice.org.uk, the national trade body for financial advice.

    The value of investments (and any income received from them) can fall as well as rise and you may not get back what you invested. For some investments this can also happen as a result of exchange rate fluctuations as shares and funds may have an exposure to overseas markets. Most investments should be considered as a medium to long term commitment meaning you should be prepared to hold them for at least five years.

  3. Do you provide advice on HSBC products only?
    Do you provide advice on HSBC products only?

    No. If you have at least £50,000 in savings and investments, we can offer advice on a range of HSBC and non-HSBC products and will build a bespoke financial plan, tailored to your individual needs.

    To find out more, take a look at our HSBC Premier Financial Advice eligibility criteria or call us on 0800 328 1298 to book an appointment with an adviser.

    Lines are open Monday to Friday 8am to 9pm and 9:30am to 7:00pm on Saturday. Textphone: 18001 0800 028 0126.

    The value of investments (and any income received from them) can fall as well as rise and you may not get back what you invested. For some investments this can also happen as a result of exchange rate fluctuations as shares and funds may have an exposure to overseas markets. Most investments should be considered as a medium to long term commitment meaning you should be prepared to hold them for at least five years.

  4. Do I need to have an account with HSBC to be able to invest?
    Do I need to have an account with HSBC to be able to invest?

    Yes, you will need an HSBC current account or savings account for us to be able to deduct your fee, should you decide to proceed with advice. We can also accept payment from First Direct current and savings accounts. We charge for our advice service - our fees vary to reflect your individual needs. All our fees will be made clear up front. That way you know what to expect from the outset.

    To apply for our Global Investment Centre you can apply on line or by telephone, and to buy funds via our Global Investment Centre you need to have an HSBC current or savings account.

    You need an HSBC current account to apply for an InvestDirect or InvestDirect Plus account and you can apply for a current account online or by telephone.

  5. How do I find out more about your investment charges?
    How do I find out more about your investment charges?

    The investment charges are detailed in the Key Features Document of each product.

    For investments where you make your own decisions (eg Global Investment Centre and InvestDirect), the Key Features Documents are available on the relevant product's 'How to apply' page online.

    For investments that include financial advice (eg Premier Investment Management Service) the Key Features Documents is available at your local branch.

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