Stocks and Shares ISAs

Each tax year, you receive a new ISA allowance which you can put into cash, investments, or any mixture of the two. At HSBC, we have a range of Stocks and Shares ISAs to help meet your needs.

You can choose one of our ready-made World Selection ISA Stocks and Shares portfolios which provide diversity by aiming to balance security with profitability on a wide range of assets - simply choose your preferred investment objective and level of risk, and apply online. If you're a more experienced investor, you may also be interested in building and maintaining your own portfolio online, all within the tax-efficient ISA wrapper. Log into your Personal Banking account, and then apply for either our Global Investment Centre to build an investment funds portfolio, or our InvestDirect/InvestDirect Plus sharedealing accounts to build a portfolio of securities. And finally, if you’re an investor with an existing Selected Investment Funds ISA you can also top up your existing fund or invest in an alternative SIF fund by downloading and completing an application form or by calling us.

*Any capital gains from investments in an ISA will be tax-free. Divided income from investments in an ISA will be subject to 10% tax deducted at source, which cannot be reclaimed.

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

Stocks and Shares ISAs options

Products
Investment solution Investment choice Minimum investment Account charges  

World Selection Stocks and Shares ISA

Choose a ready-made portfolio managed by HSBC and based on the amount of risk you are willing to take

£1000 lump sum;
or £50 per month

0.25% plus fund 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 lump sum

0.39% plus fund charges

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

InvestDirect /
InvestDirect Plus *

Build and manage your own portfolio of securities including UK and US shares, Government bonds and exchange traded funds

No minimum, with a £10.50 charge per standard online share trade (with effect from 1 April 2016)

£10.50 quarterly Account Fee (with effect from 1 January 2016)

*A taxable account is also available

If you prefer to take no investment risk you may wish to consider the range of HSBC Savings Accounts which includes the Loyalty Cash ISA.

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.

  6. What are the ISA subscription limits?
    What are the ISA subscription limits?

    Because of their tax advantages ISAs are subject to annual subscription limits. For the tax year commencing 6 April 2015 the overall ISA subscription limit is £15,240. This can be saved in a cash ISA with one provider, a stocks and shares ISA with either the same or a different provider, or any combination of the two.

    You cannot subscribe to more than one of each type of ISA per tax year.

    The value of the tax benefits described depends on individual circumstances. The tax treatment of ISAs could change in the future.

    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.

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