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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


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

Make your own
investment decision

Stock & Shares ISA options

Products
Investment solution Investment choice Minimum investment Account charges  

World Selection

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

£100.00 lump sum

0.39% 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

£12.95 per share trade

Invest through a
Financial Advisor

Investing with advice

Products

HSBC Premier Financial Advice Service

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 recommend products from the whole of the market, but rather a limited range of products from a limited number of carefully selected companies, including HSBC.
  • We charge for our service - our fees vary depending on your individual needs. Our expert advisers will clearly explain our fees upfront and the type of advice we offer. That way, you know exactly how much you will pay and what you’re paying for.
  • We'll explore your current financial goals and personal circumstances at length before creating a bespoke financial plan.
  • We use sophisticated risk profiling software and modelling techniques to help you identify the level of investment risk you're comfortable with.
  • Our advisers 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 from them, can fall as well as rise and you may not get back what you invested. For some investments this can happen as a result of exchange rate fluctuations, as shares and funds may have an exposure to overseas markets.

Investments in emerging markets are by their nature higher risk and potentially more volatile than those inherent in established markets.

We recommend that you should regard stock market investments as medium to long term commitments (by which we mean that you should be prepared to hold them for a period of not less than 5 years).

Eligibility requirements

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

You'll also need an HSBC or First Direct current account or savings account* for us to be able to deduct your fee.
* Excluding HSBC Online Bonus Saver, HSBC Online Saver, any HSBC or First Direct Cash ISA, First Direct E- Savings or First Direct Everyday Saver.

If you don't qualify for HSBC Premier Financial Advice Service, or if you'd prefer not to pay for advice, see other ways we can help.
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.

 

* 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.

Existing Selected Investment Funds customers

If you hold an existing Selected Investment Funds ISA or Investment Plan you can top up into your existing fund or any alternative fund - view more information.

  • 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 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?

Give our friendly team a call on:

0800 328 1298*

* 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.