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Ways to invest

Whether you choose to invest directly or to seek advice, we have a range of products and services to help meet your needs

Stocks and Shares
ISAs

Products

Selected Investment Funds ISA (new customers)

Looking for a way to invest in a stocks and shares ISA?
Read about the HSBC World Index Cautious Portfolio and decide if it's right for you

Minimum investment £1000 lump sum or £50 per month regular savings

Tax efficient options
Yes

 

Existing Selected Investment Funds customers

Already an existing Selected Investment Funds customer?
Read more information if you already hold a Selected Investment Funds Plan or ISA and if you would like to top up or discuss your account options

Tax efficient options
Yes

 

Global Investment Centre

Want to research, sell, buy and track investment funds online?
Browse funds from HSBC and leading fund providers and buy in just a few clicks with our online platform

Minimum investment £100

Tax efficient options
Yes

 

InvestDirect

Looking to buy and sell shares in just a few clicks?
Set up an account, trade online and access tools to help you make informed decisions

Minimum investment N/A

Tax efficient options
Yes

 

Investing with
advice

Products

HSBC Premier Financial Advice

Ready to start building the future you want?
We can offer you quality advice on a range of HSBC and non-HSBC products and help you build a bespoke financial plan.

Eligibility criteria £50,000

Key features
  • We have chosen to offer restricted advice. This means we don't offer products from the whole of the market, but rather recommend limited types of products which we offer from a limited number of companies, including HSBC.
  • We charge for our advice service. Our fees vary depending on how much money you're going to invest - we'll discuss them with you during an initial, no-obligation consultation.
  • We assess your individual goals and investment risk tolerance to build a bespoke financial plan tailored to your needs.
  • We use sophisticated profiling software and modelling techniques to help you identify the level of investment risk you're comfortable with.
  • Our Premier Client Managers are supported by a worldwide team of analysts who use powerful local knowledge to hand select products from a wide range of investments.

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. Investments should be considered as a medium to long term commitment for example, at least 5 years.

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

Eligibility requirements

HSBC Premier Financial Advice is available to UK residents who have £50,000 or more in savings and investments and who are at least 18 years old at the time of the initial consultation.

You'll also need to have an HSBC current account or savings account for us to be able to deduct your fee. We can accept payment from First Direct current and savings accounts too.

If you don't qualify for HSBC Premier Financial Advice, or if you'd prefer not to pay for advice, see our self-directed investment options.

If you are not a UK resident, see our HSBC Expat service.

 

Open Market Option Annuity Service

Want to maximise your income when you retire?
When you retire you can choose to convert your personal pension fund into an annuity. To help you find the right option, we've teamed up with Origen Retirement Solutions, part of Origen Financial Services who are one of the UK's leading At Retirement advisers, who will research the whole of the UK annuity market.

Eligibility criteria £1,000

Key features
  • Use the Open Market Option Annuity Service to find the most suitable annuity for you.
  • Choose their Annuity Broking Service if you know which annuity options you want
  • Choose their Annuity Advice Service if you're unsure which option is best for you
Eligibility requirements

If you do not qualify for advice from HSBC our Open Market Option Annuity Service is available to you with a fund or pooled funds of at least £1,000.

Where can I get advice on my investments?

If you have at least £50,000 in savings and investments, our Premier Client Managers 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.

 
  • 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.

Other things to consider

Some investments have a fixed term or in the case of pensions may not be accessible until you reach your retirement age. For products with a fixed term you may get back significantly less than originally invested if you make an early withdrawal.

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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0800 328 1298*

* Our opening hours are Monday to Friday 8am to 9pm.
Textphone:18001 0800 028 0126.
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