Global strategy portfolio | Investments

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HSBC Global Strategy Portfolios

A range of risk-targeted, multi-asset portfolios

If you’ve decided you’d like to invest into a fund that’s managed on your behalf, you could choose one of our ready-made diversified portfolios.

HSBC's Global Strategy Portfolios are a suite of 5 multi-asset funds, each designed to match a specific investment strategy and defined level of risk. So whether you’re cautious or adventurous with your money, we’ve a portfolio for you. All you need to do is choose the level of risk you’re comfortable with and we’ll do the rest.

You need to know that these portfolios, and the other funds available within our Global Investment Centre, are provided without investment advice. To find out about getting investment advice from HSBC, read our advice options page.

The Global Strategy Portfolios are managed by a team of investment professionals within HSBC Global Asset Management (UK) Limited. They actively manage the portfolios to get the best possible returns while staying within the designated level of risk– bringing you peace of mind that your investment will remain at the risk level you choose.

Remember that the value of investments and any income they generate can go down as well as up, meaning you may not get back what you invest. Exchange rate fluctuations can also cause the value of your investments to go down as well as up.

You can sell your investments to access your money at any time – however any investment should be viewed as something to stay in for at least 5 years.

Are you eligible?

You can invest via our Global Investment Centre if:

you’ve £100 or more to invest
you’re an HSBC current or savings account customer (excludes Online Bonus Saver and Fixed Rate Saver)
you’re at least 18 years old and a UK resident

You can open a Global Investment Centre stocks & shares ISA if:

you don’t already have a stocks & shares ISA for the current tax year and:
you’ve not exceeded your ISA subscription limit for this tax year – currently £20,000 for 2018/19

Why choose an HSBC Global Strategy Portfolio via our Global Investment Centre?

Professionally managed

Our Global Strategy Portfolios are globally-diversified – benefit from a range of asset classes, geographies and currencies
They’re managed by a team of investment professionals who select assets suitable for each risk level
They’re also monitored to ensure they remain at the described level of risk

Easy to invest

Start investing from as little as £100 and top up whenever you want to
Withdraw your money whenever you like
Invest and track performance via your online banking using our Global Investment Centre
Access up-to-date market data to help you make informed investment decisions

Find the Global Strategy Portfolio that's right for your preferred level of risk

The risk profile of each Global Strategy Portfolio has been described below to help you make an informed decision about which could be right for you.

HSBC’s Global Strategy Portfolios are offered via our Global Investment Centre without investment advice. This means we don't give advice on the portfolios and we aren’t required to assess the suitability of this product for you.

If you're not sure about investing or how much risk is appropriate for you, please seek financial advice. To find out about getting investment advice from HSBC, read our advice options page.

Our Global Strategy Cautious Portfolio aims to provide capital growth through cautious investment in a broad range of asset classes across global markets, with a bias towards fixed-interest securities.

What's inside?

Bonds 68%, Equities 24%, Alternatives 4% and Cash 4%.

Please note, this is the strategic breakdown for the portfolio as of 6 September 2018 – for the current breakdown, read the Cautious Portfolio factsheet

A lower-risk portfolio

This portfolio is classified by HSBC as ‘lower risk’. It’s rated as 1, where 1 is a lower level of risk and 5 is a higher level of risk. It has a volatility range of 0% to 5%, which is the degree to which the value of your investment can typically be expected to fluctuate.

The Cautious Portfolio targets a lower level of investment risk by investing in funds whose values are likely to fluctuate by less than that of a higher-risk fund. Over time, these types of funds may produce a greater return than cash-based investments with the aim of keeping pace with inflation. Bear in mind that lower-risk funds can fall in value to below the amount you invested and as with any investment, it should be viewed as something to stay in for at least 5 years.

Total costs: 0.60% per annum

These total costs are correct as of 3 October 2018. To find out more about charges, read the Cautious Portfolio costs & charges disclosure document

What's inside?

Please note, this is the strategic breakdown for the portfolio as of 6 September 2018 – for the current breakdown, read the Cautious Portfolio factsheet

A lower-risk portfolio

Total costs: 0.60% per annum

These total costs are correct as of 3 October 2018. To find out more about charges, read the Cautious Portfolio costs & charges disclosure document

Our Global Strategy Conservative Portfolio aims to provide capital growth through conservative investment in a broad range of asset classes across global markets, with a bias towards fixed interest securities.

What's inside?

Bonds 55%, Equities 35%, Alternatives 5% and Cash 5%.

Please note, this is the strategic breakdown for the portfolio – for the current breakdown, read the Conservative Portfolio factsheet

A medium-risk portfolio

This portfolio is classified by HSBC as ‘medium risk’. It’s rated as 2, where 1 is a lower level of risk and 5 is a higher level of risk. It has a volatility range of 5% to 8%, which is the degree to which the value of your investment can typically be expected to fluctuate.

The Conservative Portfolio targets a moderate level of investment risk by investing in funds whose values are likely to fluctuate by more than that of a lower-risk fund but less than a higher-risk fund. Medium-risk funds offer the potential for greater returns over time than lower-risk funds. They’re likely to have greater fluctuations in value in the short term than lower-risk funds.

Total costs: 0.58% per annum

These total costs are correct as of 3 October 2018. To find out more about charges, read the Conservative Portfolio costs & charges disclosure document

Our Global Strategy Balanced Portfolio aims to provide capital growth through balanced investment in a broad range of asset classes across global markets.

What's inside?

Bonds 34%, Equities 58%, Alternatives 5% and Cash 3%.

Please note, this is the strategic breakdown for the portfolio – for the current breakdown, read the Balanced Portfolio factsheet

A medium-risk portfolio

This portfolio is classified by HSBC as ‘medium risk’. It’s rated as 3, where 1 is a lower level of risk and 5 is a higher level of risk. It has a volatility range of 8% to 11%, which is the degree to which the value of your investment can typically be expected to fluctuate.

The Balanced Portfolio targets a moderate level of investment risk by investing in funds whose values are likely to fluctuate by more than that of a lower-risk fund but less than a higher-risk fund. Medium risk funds offer the potential for greater returns over time than lower-risk funds. They’re likely to have greater fluctuations in value in the short term than lower-risk funds.

Total costs: 0.61% per annum

These total costs are correct as of 3 October 2018. To find out more about charges, read the Balanced Portfolio costs & charges disclosure document

Our Global Strategy Dynamic Portfolio aims to provide capital growth through active investment in a broad range of asset classes across global markets, with a bias towards equities.

What's inside?

Bonds 14%, Equities 80%, Alternatives 5% and Cash 1%.

Please note, this is the strategic breakdown for the portfolio as of 6 September 2018 – for the current breakdown, read the Dynamic Portfolio factsheet

A higher-risk portfolio

This portfolio is classified by HSBC as ‘higher risk’. It’s rated as 4, where 1 is a lower level of risk and 5 is a higher level of risk. It has a volatility range of 11% to 14%, which is the degree to which the value of your investment can typically be expected to fluctuate.

The Dynamic Portfolio targets a higher level of investment risk by investing in funds whose value is likely to fluctuate by a significant amount. Higher-risk funds offer the potential for greater returns over time than lower or medium-risk investments.

Total costs: 0.62% per annum

These total costs are correct as of 6 September 2018. To find out more about charges, read the Dynamic Portfolio costs & charges disclosure document

Our Global Strategy Adventurous Portfolio aims to provide capital growth through the most adventurous investment of the 5 portfolios, investing in a broad range of asset classes across global markets, with an even higher bias towards equities.

What's inside?

Bonds 1%, Equities 93%, Alternatives 5% and Cash 1%.

Please note, this is the strategic breakdown for the portfolio as of 6 September 2018 – for the current breakdown, read the Adventurous Portfolio factsheet

A higher risk portfolio

This portfolio is classified by HSBC as ‘higher risk’. It’s rated as 5, where 1 is a lower level of risk and 5 is a higher level of risk. It has a volatility range of 14+%, which is the degree to which the value of your investment can typically be expected to fluctuate.

The Adventurous Portfolio targets a higher level of investment risk by investing in funds whose value is likely to fluctuate by a significant amount. Higher-risk funds offer the potential for greater returns over time than lower or medium-risk investments.

Total costs: 0.60% per annum

These total costs are correct as of 3 October 2018. To find out more about charges, read the Adventurous Portfolio costs & charges disclosure document

How to invest

You can invest in the Global Strategy Portfolios via our online fund platform, Global Investment Centre which is easily accessible via your online banking.
Global Investment Centre is designed to help you make your own investment decisions. It gives you access to nearly 400 other funds picked from a range of leading fund managers, as well as the HSBC Global Strategy Portfolios.

To apply, simply log on to online banking, click on the ‘Investments & Life events’ section, then click ‘Apply for Global Investment Centre’. It usually only takes a few minutes and your account will be ready to use straight away.

Then all you need to do is select your chosen portfolio using the fund selection tools and decide whether you want to invest via an ISA or a general investment account.

Apply now

Questions you may have

A higher level of risk could bring the potential for greater growth, but there’s also more chance that your investment could go down in value.

When choosing an investment, you should consider the level of risk you’re willing to take and your capacity for loss. How comfortable would you feel if your investments fell in value? How would a loss impact your finances in the short term? In the long term?

To decide if a certain level of risk might be acceptable for you, have a read through the 5 portfolios’ risk descriptions in the section above.

If you’re not sure about investing or how much risk is appropriate for you, please seek financial advice. To find out about getting investment advice from HSBC, read our advice options

A portfolio is a readymade basket of investments that has been put together by a fund manager. Pooling together money from many individuals, a fund manager invest in a broad range of assets, such as bonds, equities (also known as shares) and alternatives (such as listed property) to meet the objective and risk profile of the portfolio.

The benefit of investing your money in a portfolio is that you have access, through your fund manager, to a far broader range of assets than if you chose to invest directly in the assets yourself.

Diversification is the practice of spreading your investments around so that you limit your exposure to any one type of asset class. It’s the opposite of putting all your eggs in one basket.

To manage your exposure to risk, fund managers hand-pick a range of assets to go into their funds, which can include a diverse range of geographies and currencies.

An asset, or asset class, is the term for a group of investments that have similar financial characteristics.

Our Global Strategy Portfolios are made up of 4 broad types of asset class: cash, equities – which are shares or stakes in other companies, fixed income – which are government bonds, and alternatives – such as property.

Each asset class has a different level of risk and return.

Combining different asset classes in a fund is known as diversification. It helps you spread the amount of risk you take with your investment.

Each portfolio has a designated risk category. To keep within this risk category, the fund manager continuously tracks the performance of individual assets, using his or her understanding of the market to adjust the holdings in the fund.

The fund manager’s goal is always to maximise the return within the portfolio’s designated level of risk.

A range of risk-targeted, multi-asset portfolios

Are you eligible?

Why choose an HSBC Global Strategy Portfolio via our Global Investment Centre?

Professionally managed

Easy to invest

Find the Global Strategy Portfolio that's right for your preferred level of risk

A lower-risk portfolio

Total costs: 0.60% per annum

A medium-risk portfolio

Total costs: 0.58% per annum

A medium-risk portfolio

Total costs: 0.61% per annum

A higher-risk portfolio

This portfolio is classified by HSBC as ‘higher risk’. It’s rated as 4, where 1 is a lower level of risk and 5 is a higher level of risk. It has a volatility range of 11% to 14%, which is the degree to which the value of your investment can typically be expected to fluctuate.

Total costs: 0.62% per annum

A higher risk portfolio

This portfolio is classified by HSBC as ‘higher risk’. It’s rated as 5, where 1 is a lower level of risk and 5 is a higher level of risk. It has a volatility range of 14+%, which is the degree to which the value of your investment can typically be expected to fluctuate.

Total costs: 0.60% per annum

Cautious

Conservative

Balanced

Dynamic

Adventurous

How to invest

Questions you may have

How do I decide on my appetite for risk?

What is a portfolio?

What is diversification?

What is an asset?

How is the risk level maintained?

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