Goal Based Investing | Investment Goals

HSBC UK
Investing
Investment goals

Whatever your future holds, create a goal to help you get there

If you've got a long-term goal in mind – like getting the keys to a new home or travelling the world in retirement, setting up an investment goal in the latest version of the app is a smart way you could get there.

You set your long-term goal. We’ll work out how much you'd likely need to invest each month to reach it.

Then, make a deposit or set up regular contributions – or both – and track your goal’s progress easily, all in one place.

Keep in mind that creating an investment goal will help you decide how much to invest, but the value of your investments will go up and down, so you could get back less than you invest. Eligibility criteria and fees apply.

Take action

No matter what you’re aiming for, the earlier you start investing towards your long-term goals, the sooner you could get there.

Create a mix of goals

Set up to 4 investments goals for different things – like a new home or car. Plus, see how close you are to reaching them in your 'Goal overview'.

Manage your goals

Organise your money towards different goals and keep your investments all in one place. And, easily invest more or change your goals at any time.

Let us work it out

Whatever goal you set, we’ll work out how much you'd likely need to invest each month to reach it. All you need to do is choose your goal.

Visualise your goals

You might have different things you'd like to aim for in life, like a new home and your child's future university course – but it can be hard to keep on top of them all.

Now you can put your goals into focus by logging them in the app and seeing them clearly – all in one place.

Invest towards your goals. See your progress. Start to make them real.

How it works

Create a goal

To set up your first investment goal, just open your app and select the ‘Plan’ tab at the bottom of your home screen. Then choose ‘Investment goals’ > ‘Set up goal’.

And that’s it. We’ll tell you how much you could need to contribute to an investment pot each month to reach your goal by your target date.

Decide how to invest

You can decide how to invest – if investing is right for you. You can explore our ready-made portfolios, which are managed for you and could be an easy place to start.

After setting up your goal, we'll open you a HSBC Global Investment Centre (GIC) account to hold your investments in – if you don’t already have one.

Track and manage your goals

You can then view your goal's progress in the app. You can increase or change your goal at any time.

Want to learn more about setting an investment goal?

Read our guide to investment goals

There are no fees to set up an investment goal or to open a Global Investment Centre (GIC) account.

If you decide to invest, there's an annual account fee of 0.25% of whatever you invest. It's calculated using the average daily value of the assets within your account in the previous quarter and it's payable quarterly.

Fund managers also apply an annual management charge and there are other expenses which are deducted directly from the fund.

Before buying any fund, you’ll see a breakdown of all of the charges in the relevant Costs and Charges PDF.

An award-winning way to invest

Invest straight through your app

We're delighted to be recognised with an 'Innovation in Digital Banking Award' for how we're helping our customers invest through our app. Why not try it for yourself?

Just open your app and select your ‘Plan’ tab at the bottom of your home screen to create a goal and start investing towards it.

The value of your investments can go up and down – so you could get back less than you invest.

Who can set up a goal?

To set up an investment goal, you'll need to:

be registered for and have the latest version of the HSBC UK Mobile Banking app
have an HSBC current account or savings account (excluding the Online Bonus Saver and Fixed-rate Saver)
be a UK resident with a permanent UK residential address
be at least 18 years old
not be a US national/citizen/resident (eg a US passport holder)

Before you start investing

Make sure you've got an emergency fund to fall back on – ideally 3-6 months of expenses. This way you could be less likely to dip into your investment to cover any unexpected costs.

You should also aim to invest for at least 5 years. But, your money isn't locked away if you change your mind – you can sell your investments and access your money within 4 business days.

Ready to set up an investment goal?

Already bank with us?

If you've got the HSBC Mobile Banking app already:

Select the ‘Plan’ tab at the bottom of your home screen
Then choose ‘Investment goals’ > ‘Set up goal’

Don't yet have the app? Download it now. You can also register for digital banking when you download the app.

Download the app

New to HSBC?

If you're new to HSBC, explore our current accounts or savings accounts.

Then, you'll need to register for mobile banking before you can set up a goal and start investing towards it.

Frequently asked questions

You can start investing by setting up an investment goal in the app from just £1. You can make an initial deposit or set up regular contributions.

For all other ways to invest with HSBC, the minimum amount to start is £50 as a lump sum or regular contributions.

Find out how much you can withdraw from your investment pot.

Yes if you already have one, you can use your Global Investment Centre (GIC) Stocks & shares ISA to set up an investment pot.

If you've not subscribed into your ISA in the previous tax year it will be inactive. Read our guide to find out how to reactivate your ISA.

You can withdraw your money at any time by selling your investment through the app. You'll then be able to access your money within 4 business days.

There's no fee for doing this, or for closing your account.

Find out how much you can withdraw from your investment pot

If your investment pot is less than £150

You'll be able to fully withdraw all of your money at any time, but you won't be able to withdraw just part of it.

For example, if you have £75 invested you'll only be able to sell and withdraw the whole £75.

If you withdraw the whole amount your investment pot will close, but your Global Investment Centre (GIC) account will stay open for you to set up another goal.

If your investment pot is £150 or more

You'll be able to fully withdraw all of your money at any time, and you can withdraw part of it, as long as you keep £100 as the minimum balance.

If the amount you want to withdraw means your balance would fall below £100, you would have to withdraw all of your money.

If you withdraw the whole amount your investment pot will close but your Global Investment Centre (GIC) account will stay open for you to set up another goal.

As long as you keep £100 in your investment pot, it will stay open and you can change your goal at any time.

Find out how to set up and manage your investment goals in the app.

Find out more about how setting long-term financial goals could help you succeed.

Find out how to plan and achieve your goals, lower your stress and manage your money.

We're here to help you start investing from £50.

Investment goals

Whatever your future holds, create a goal to help you get there

Why create an investment goal?

Take action

Create a mix of goals

Manage your goals

Let us work it out

Visualise your goals

How it works

What you can do

Fees and charges

An award-winning way to invest

Invest straight through your app

Who can set up a goal?

Before you start investing

Ready to set up an investment goal?

Already bank with us?

New to HSBC?

Frequently asked questions

How much can I start investing with?

Can I use my ISA for my investment pot?

When can I withdraw my money and is there a fee?

How much can I withdraw from my investment pot?

You might also be interested in

Guide to investment goals

How to set long-term financial goals

What is financial planning?

New to investing?

Customer support