Investment Funds

An investment fund (also referred to as ‘a fund’) pools together the money from many individuals enabling a fund manager to invest in a broad range of assets, such as money market instruments, bonds, shares and property - exactly what the fund manager buys depends on the investment objective of the fund. By pooling your money with other investors, a fund allows you to invest in a broader range of assets than if you chose to invest directly in the individual assets yourself.

Our Global Investment Centre is our investments service through which you can open and invest in a Funds portfolio and ISA Funds portfolio, giving you access to investment funds from HSBC and a wide range of other providers.

If you hold an existing Selected Investment Funds ISA, or Selected Investment Funds Plan, you can also top up your existing fund or invest in an alternative SIF fund by downloading and completing the appropriate application form or by calling us on 03457 456 123 (textphone 08457 660 391).

These services are offered without investment advice and you will need to make your own investment decisions.

In addition to the risks mentioned above, there are other risks associated with investing in our products. These are outlined in the Key Features Document and Key Investor Information Document for each product which you should read carefully before applying.

Investment Funds options

Investment solution Investment choice Minimum investment Account charges  
Global Investment Centre * Build and manage your own portfolio of funds including index trackers from HSBC and funds from other leading asset managers £100 0.39% plus fund charges Find out more
Selected Investment Funds Top up your existing Selected Investment Funds ISA or Investment Plan. Or, invest in an alternative SIF fund Existing customers only 0.25% plus fund charges Find out more

* A tax-efficient ISA account is also available

Please bear in mind

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.

Time commitment

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

Tax benefits

The value of any tax benefits described depends upon your individual circumstances - tax rules may change in future.

In addition to the risks mentioned above, there are other risks associated with investing in our products. These are outlined in the Key Features Document for each product and, where applicable, in the Key Investor Information Document for the underlying fund(s), which you should read carefully before applying.

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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 can I find out the current value of my pension?
    How can I find out the current value of my pension?

    You can do this online via Personal Internet Banking.

    To do this, sign into Personal Internet Banking and from the 'My accounts' screen select the Pension section to 'expand' it. This will show all your HSBC pensions and their value at the date specified.

Need to speak to us?

03457 456 123

Our opening hours are Monday to Friday 8am to 9pm.

Textphone:18001 0800 028 0126.

To help us continually improve our service, and in the interests of security, we may monitor and/or record your communications with us.

Prefer to talk face-to-face?

Pop into your nearest branch for a chat.