Take advantage of affordable advice to help you do more with your money.
People have always had to pay for financial advice in one form or another. Since regulations changed in 2013, all financial advisers now charge an up-front fee so customers can clearly see the price they’re paying for the services they receive.
According to Which? 1, the cost of face-to-face financial advice can be anywhere between £50 to £250 per hour – which many people can’t afford. So we designed a digital equivalent: a low-cost online advice service that shows people how and where to invest their money.
Whether you take our advice online, by phone or face-to-face, we apply the same level of rigour to the recommendations we make. We’ll take the time to find out about your situation and how you feel about risk so we can work out whether, where and how much you should invest.
Remember, investing comes with risk so you may not get back what you invest. You can access your money if you need to, usually within 5 days, however you should aim to invest for at least 5 years.
Investment amount |
0.5% advice fee (no minimum charge) |
1.9% advice fee (or a £600 minimum charge) |
2.75% advice fee (or a £960 minimum charge) |
|---|---|---|---|
£1,000 - £15,000 (or £50 - £4,000 per month) |
Online advice |
|
|
| £20,000 - £50,000 |
Online advice |
Phone advice |
|
| £50,000 - £100,000 |
|
Phone advice |
Face-to-face advice |
| £100,000+ |
|
|
Face-to-face advice |
Investment amount |
£1,000 - £15,000 (or £50 - £4,000 per month) |
|---|---|
0.5% advice fee (no minimum charge) |
Online advice |
1.9% advice fee (or a £600 minimum charge) |
|
2.75% advice fee (or a £960 minimum charge) |
|
Investment amount |
£20,000 - £50,000 |
0.5% advice fee (no minimum charge) |
Online advice |
1.9% advice fee (or a £600 minimum charge) |
Phone advice |
2.75% advice fee (or a £960 minimum charge) |
|
Investment amount |
£50,000 - £100,000 |
0.5% advice fee (no minimum charge) |
|
1.9% advice fee (or a £600 minimum charge) |
Phone advice |
2.75% advice fee (or a £960 minimum charge) |
Face-to-face advice |
Investment amount |
£100,000+ |
0.5% advice fee (no minimum charge) |
|
1.9% advice fee (or a £600 minimum charge) |
|
2.75% advice fee (or a £960 minimum charge) |
Face-to-face advice |
To invest with us, you need to have an HSBC current or savings account.
If you’d like to find out more about the financial advice industry, including ways to seek independent financial advice, visit the Money Advice Service.
1 Source for the UK average advice fee: Which?
Choosing your own investments
Of course, not everyone wants financial advice. If you’re happy to choose your investments, you can buy a range of funds and portfolios via our online fund platform, or shares via our online sharedealing service. As with our advice options, eligibility criteria and some fees apply.
And if you want to start investing using your ISA allowance, take a look at our investment ISA page.
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