Invest in Britain

There are no fees to open a Global Investment Centre (GIC) account.

There's just an annual account fee of 0.25% of whatever you invest, which is taken quarterly from your nominated HSBC account. For example, a £1,000 investment would have a £2.50 account fee. 

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

Before investing, you’ll see a breakdown of all the charges in the relevant 'Costs and Charges' PDF.

You should aim to invest for at least 5 years. But your money isn't locked away – you can sell your investments and the money will usually be in your account within 4 business days.

A fund contains a mix of investments that fund managers will look after for you.

This means that your investment will be across multiple stocks and shares, so you don't have to choose them yourself and your risk will be spread.

A UK fund contains a mix of investments that fund managers will look after for you.

Your investment will be across multiple UK-focused assets, so you don't have to choose them yourself and your risk will be spread.

This doesn't mean that the fund will only invest in UK assets, most funds will diversify. Be sure to check the fund factsheet for full details on what it focuses on.

A stocks & shares ISA is an account that you can open for your investments.

You can invest up to £20,000 each tax year without paying any UK income tax or capital gains tax on any income or growth.

You can open an HSBC stocks & shares ISA if:

Keep in mind, tax rules can also change and the value of any tax benefit will depend on your individual circumstances.

A general investment account (GIA) with HSBC lets you invest without opening an ISA, but has no tax-efficiencies.

Unlike with an ISA, you may need to pay UK income tax and capital gains tax on any income or growth you make on your investment.

You can choose to open an HSBC GIA if:

Keep in mind, tax rules can also change and the value of any tax benefits will depend on your individual circumstances.

You could invest in UK funds alongside a diverse portfolio.

By investing in assets globally, you’re reducing the reliance on a specific market that could be impacted by events such as economic recession or political instability.

That said, opportunities can be found at home. And investing in British companies could help the country’s economic growth too.

You can track your portfolio's performance and manage your investment straight through the app. Just select 'Investments' on your account screen to get started.

Or, read our step-by-step guide to learn how to manage your investments via online banking.