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How to use our Global Investment Centre

Your step-by-step guide to buying, selling and switching funds online

Our Global Investment Centre (GIC) is our online fund platform that lets you view your account balances, buy, sell and switch funds, and set up regular investments.

Remember, when you manage your investments online, you’ll be making your own decisions without advice. Find out more about our investment advice options.

How to access your account

Log on to the Global Investment Centre (GIC) to access your account.

  1. Log on to online banking as normal
  2. Find the GIC Investment account in your list of accounts
  3. Select 'My portfolio' to access your full account

How to research funds

Once you've logged on to the GIC, you can start researching our full range of funds. Start by selection ‘Investing’ in the top menu, then select 'Discover funds’.

There are 2 ways to search through the full list of funds:

1. Search for funds: either type in a keyword or pick an option to refine your search. Or, type in the fund name or Stock Exchange Daily Official List code (SEDOL) in the quick search box.

2. View all funds: search through various types of funds and compare the information and performance of up to 5 funds.

How to buy a fund

When you’re ready to invest, whether that's for the first time or to top-up your existing investment fund, here’s how to Buy a fund.

1. Decide if you'd like to choose a new fund, or top-up an existing fund

To choose new fund:

  • select 'Investing' at the top of the page and select 'Discover Funds'
  • use the search function to find the fund you’re interested in
  • select a fund and you’ll be taken to the 'Fund details' page

To top-up an existing fund: 

  • select 'Account summary', then select 'My holdings'
  • find the fund you want to invest in
  • select 'Trade' and this will take you to the 'Fund details' page

2. Review fund details

On the 'Fund details' page you can review the fund details and find all the documents you might want to read before buying the fund. When you're ready, select 'Buy' and you'll continue to 'Buy order details'.

3. Place a fund order

To buy a fund, you'll need to enter the following information:

  • your order instruction – this will be selected as 'Buy'
  • your chosen investment account – this is usually either your 'Stocks & shares ISA' or your 'General Investment Account'
  • your payment account – select which HSBC current or savings account you’d like to make the payment from. Or, if you have money available in your uninvested cash account, you can select this instead
  • the amount – enter how much you’d like to invest and select ’Preview order'

4. Review

Review the information to make sure it’s correct. Then, check the tick box at bottom of page to confirm you’ve read the documents and agreed to the terms.

5. Confirmation

You’ll see a confirmation that we’ve received your buy instruction. If you’re paying for your funds from an HSBC bank account, we’ll move the amount you’re investing into your uninvested cash account while we process the purchase. 

To track your order, select the ‘Investments transactions’ tab, then 'Order status'. 

Within 1 business day of purchasing your funds, we’ll send you a contract note. You'll receive this either via the 'My documents' section on your online banking or by post. And within 5 business days, we’ll collect the money from your cash account to complete your purchase. 

6. After your purchase is complete

After your purchase is fully complete, your shares will be shown on your 'My holdings' page under 'Account summary'. This will be regularly updated with recent fund valuations, so you can track the performance of your shares.

How to set up a regular savings plan

You can set up automatic investments instead of logging on each month to make a trade. Follow the steps in How to buy a fund to choose if you'd like to set up automatic investments for a new or existing fund.  

1. Review fund details

Once you've chosen a fund that you'd like to set up automatic investments for, review the fund details and find all the documents you might want to read before buying the fund. When you’re ready, select 'Regular savings plan' from the top of the page and you'll be taken to 'Regular savings plan order details'.

2. Place a regular savings plan order

Enter the following information:

  • your regular savings plan name – enter a name that you’ll recognise for example, it could be linked to your investing goal, such as, retirement fund
  • your chosen investment account – this is usually either your 'Stocks & shares ISA' or your 'General Investment Account'. To set up a regular savings plan into an ISA Account, your ISA must be active. Find out how to reactivate your ISA
  • your payment account – select which HSBC current or savings account you’d like to make the payment from
  • your regular savings amount – enter how much you'd like to invest each month
  • your regular savings date – select the date you’d like the payment to be taken from your account
  • the start month – select the month you want us to collect your first payment and then select ‘Preview order’

3. Review

Review the information to make sure it’s correct. Then, check the tick box at bottom of page to confirm you’ve read the documents and agreed to the terms.

4. Confirmation

We’ll send you confirmation of your regular savings plan. You'll receive this either via the ‘My documents’ section on your online banking or by post.

Each regular savings plan payment invested will appear in your Global Investment Centre statements. You’ll also be able to see the transactions via the ‘Investments transactions’ tab in your online Global Investment Centre.

What happens if we can't collect the payment?

If you don’t have enough money in your payment account or not enough ISA allowance remaining and we can’t collect a payment, your regular savings plan will be cancelled. We’ll let you know either via the 'My documents' section on your online banking or by post.

How to change or cancel a regular savings plan

You can change the amount you invest, the collection date or the account the payment is taken from for your regular savings plan.

To do this:

  1. Log on to the GIC and select ‘Investing’ at the top, then select ‘Regular Savings Plan’
  2. Choose the plan you'd like to change or cancel by selecting the down arrow next to the plan name
  3. If you’re able to change or cancel the plan yourself, you’ll see ‘Modify’ and ‘Terminate’ buttons to choose from
  4. Once you've followed the steps to 'Modify' or 'Terminate', you’ll see a confirmation page. We’ll also send you a confirmation either via the ‘My documents’ section on your online banking or by post.

If you don't have the option to 'Modify' or 'Terminate' your regular savings plan, this may be because your plan was set up when you received financial advice from us, or it's associated with a fund that's been discontinued. If this is the case, give us a call and we can help you over the phone instead.

How to switch funds

You can switch from one fund to another if you want to change the balance of your investments. This guide is how to switch funds you’ve chosen yourself. If you want to switch funds you’ve bought through an adviser, call us and we’ll do this for you over the phone.

1. Find the fund

Select ‘Account summary’, select ‘My holdings’, find the fund you want to switch from and choose ‘Trade’. This will take you to the 'Fund details' page.

2. Place an order

Select ‘Switch’ from the top of the page and enter the following information into the ‘Switch order details’ page:

  • your order instruction – this will be selected as 'Switch’
  • your investment account – choose your 'Stocks & shares ISA' or your 'General Investment Account'
  • the amount to switch – select whether you want to ‘Switch all’ of your current fund or ‘Switch part’ of it. If switching a partial amount, enter how much you’d like to switch, which can be either a GBP amount or an amount of shares. Then, select ‘Continue’.

3. Select a fund to switch to

Either enter the fund name or Stock Exchange Daily Official List code (SEDOL) in the quick search box, or use ‘Search for funds’ option. Then, choose ‘Preview order’.

4. Review

Review the information to make sure it’s correct. Then, check the tick box at bottom of page to confirm you’ve read the documents and agreed to the terms.

5. Confirmation

You’ll see a confirmation that we’ve received your instruction. 

Switching trades normally take longer than a 'Buy trade' because we need to sell shares from the existing fund before we can purchase shares from the new fund.

Within 1 business day of switching your funds, we’ll send you a contract note. You'll receive this either via the ‘My documents’ section on your online banking or by post.

To track your switch order, click on the ‘Investments transactions’ tab, then ‘Order status’.

How to sell funds

Part of managing your own investments is deciding which funds you want to sell and when, so we'll explain how to sell them. 

1. Find the fund you want to sell

Select ‘Account summary’ and select ‘My holdings’. Find the fund you want to sell and click ‘Trade’. This will take you to the 'Funds details' page.

2. Place an order

Select ‘Sell’ from the top of the page and enter the following information into the ‘Sell order details’ page:

  • your order instruction – this will be selected as ‘Sell’
  • your investment account – choose your 'Stocks & shares ISA' or your 'General Investment Account'
  • the amount to sell – select whether you want to ‘Sell all’ of your current fund or ‘Sell part’ of it. If you'd like to sell a partial amount, enter how much you’d like to sell, which can be either a GBP amount or an amount of shares. Then, select ‘Continue’.

3. Review

Review the information to make sure it’s correct. Then, check the tick box at bottom of page to confirm you’ve read the documents and agreed to the terms.

4. Confirmation

You’ll see a confirmation that we’ve received your instruction. 

Within one business day of selling your funds, we’ll send you a contract note. You'll receive this either via the ‘My documents’ section on your online banking or by post. The proceeds of the sale will be paid to your uninvested cash account within 5 business days of us receiving your sell order.

To track your sell order, choose the ‘Investments transactions’ tab, then ‘Order status’.

When you sell fund shares from an ISA Account, the cash you receive in your ISA’s cash account stays within your ISA. This means it retains its tax-efficient status so you can re-invest it into another fund or funds whenever you’re ready.

Remember, if you transfer money out of your ISA into a current or savings account, it will lose its tax-efficient status. 

How to check your account fees

You can view your pending and previous quarterly account fees by selecting ‘Investing’ at the top of the page and then selecting ‘Account Fee’.

Your account fee is 0.25% per annum and it's payable quarterly in arrears. It’s calculated using the average daily value of fund shares held within your General Investment Account and/or ISA Account.

We’ll collect your account fee from your nominated HSBC UK account. If we’re unable to collect the account fee from your nominated account, we’ll collect it from your Uninvested Cash Account or when you sell your fund shares. 

For more on how the account fee is calculated and collected, go to the ‘Account Fee’ page within the Global Investment Centre, then go to the 'Help page.

Want to change the account that your account fee is collected from or have another question? Give us a call on 03456 076 180.

Lines are open from 08:00 to 18:00 Monday to Friday, excluding public holidays.

How to use your uninvested cash account

Your uninvested cash account is linked to your General Investment Account (GIA) or ISA. It's an integral part of the account, so you can’t close it without also closing your GIA and/or  ISA. If you have both a GIA and ISA, you’ll have 2 uninvested cash accounts – one for each type of account.

Your uninvested cash accounts pay 0% interest, so it's not a good place to hold funds for a long period.

Here’s how and when you could use your uninvested cash account(s):

Paying in cash
You can move cash into your uninvested cash account and leave it there until you’re ready to invest. If you move money into your ISA uninvested cash account, it counts as an ISA subscription. It will remain here until you place a buy order to invest.

Buying funds
When you place a buy order, the cash sits in your uninvested cash account while we process the trade. It takes up to 5 business days to complete the purchase.

Selling funds
If you sell funds online, the proceeds of the sale will be paid into your uninvested cash account within 5 business days. The cash will remain here until you decide to either place a buy order to reinvest or make a withdrawal.

Transferring cash from ISAs
If you transfer cash from another ISA, the money will be paid into your ISA uninvested cash account. It will remain here until you place a buy order to invest.

Receiving income from funds
If you invest into income share class funds, the dividends or interest the fund pays may be paid to your uninvested cash account. If you’d like to change how your income is handled, give us a call.

How to reactivate an ISA

An ISA can become inactive due to:

  • no subscriptions being made in the previous tax year
  • a declaration to make subscriptions not being completed yet
  • your country or region of residency changing

Reactivate your ISA by phone

If you’re still eligible, the quickest way to reactivate your ISA is by giving us a call on 03456 076 180. Lines are open from 08.00 to 18.00 Monday to Friday, excluding public holidays.

After the call, your ISA will be active again and you can invest online, up to your yearly ISA limit.

Reactivate your ISA by post

If you'd prefer to reactivate your ISA by post, log on to your GIC and select ‘Investing’, then select ‘Reactivate your ISA’. This will let you send us the form called ‘ISA Subscription Application’. We’ll then send you a letter back to confirm once we’ve reactivated your ISA.

How to transfer an ISA to your account

You can transfer any of the following ISAs or holdings from another provider to your Global Investment Centre account:

  • Cash ISAs
  • Stocks & Shares ISAs with other providers – either cash or fund holdings (if we offer the same fund as your current provider)
  • holdings held outside an ISA (if we offer the same fund as your current provider)

To make a transfer:

  • log on your GIC account, go to ‘My Portfolio’
  • select ‘Investing’ in the top menu and then select ‘Transfer funds’
  • fill in the 'Transfer form' and 'Transfer authority form' and post these to us using the address on the forms

If you don’t have a printer, give us a call on 03456 076 180 and we can send these to you. Lines are open from 08.00 to 18.00 Monday to Friday, excluding public holidays.

How to move funds from your GIA to your ISA

If you have funds in your general investment account (GIA), you could choose to reinvest them in your ISA to take advantage of your yearly ISA allowance. You’ll need to have an active ISA.

To move funds from your GIA to your ISA:

  1. Sell funds from your GIA. Find out how to sell funds
  2. Once the funds have sold, the proceeds will be paid into your GIA uninvested cash account within 5 business days
  3. Move the funds to your ISA uninvested cash account. To do this, select ‘GIC GIA uninvested cash account’ from your list of accounts in online banking. Then, select ‘Move money’ and move money to your ‘GIC ISA uninvested cash account’
  4. Buy funds in your ISA, making sure to select ‘ISA uninvested cash account’ as the payment account. Find out how to buy funds

What happens after you've sold your GIA funds

Within 1 business day of selling the funds in your GIA, we’ll send you a contract note. You'll receive this either via the ‘My documents’ section on your online banking or by post.

And once you have placed buy trade into your ISA, we’ll send you a contract note for that trade too.

To see value of your shares, go to ‘My summary’, then select ‘Global Investment Centre’. You can also track your sell and buy orders by selecting the ‘Investments transactions’ tab and then selecting ‘Order status’.

Other questions

Got another question that's not covered here? Log on to your Global Investment Centre account, select the ‘? Help’ link in the top right-hand side to find our Frequently Asked Questions and a handy glossary.

If you’d like more information about your Global Investment Centre account, read the key features document (PDF) or the terms and conditions (PDF).

Or if you'd prefer to speak to one of our team, give us a call on 03456 076 180. Lines are now open from 08:00 to 18:00 Monday to Friday, excluding bank holidays.

It's easy to answer your query online. Visit our Help page to find out how.