Multi Asset Funds | Ready-made Portfolios

HSBC UK
Investing
Stocks & shares ISA
Ready-made portfolios

Take the hassle out of investing with a ready-made portfolio

New to investing, or just looking for a more convenient way to invest? Choose an HSBC ready-made portfolio - a fund with a mix of investments that's managed on your behalf. Each portfolio has a different level of risk and expected reward. Just select your preferred level and our team of experts will take care of the rest.

Remember the value of investments can go down as well as up, so you may not get back what you invest.

Why invest in a ready-made portfolio?

Start with as little as £50
Use a stocks & shares ISA or a general investment account (GIA) for your portfolio
Set up regular payments from £50 per month after your first investment
Join almost 300,000 people in the UK who are already investing with us

Who can apply?

You can invest in one of our ready-made portfolios if:

you’ve got an HSBC current account or savings account (excludes Online Bonus Saver and Fixed-rate Saver)
you’re at least 18 years old
you're a UK resident
you’re not a US national/citizen/resident (eg a US passport or green card holder)
you've got at least £50 to invest

Take a closer look

Invest with a stocks & shares ISA

Get the most out of your investment with a tax-efficient ISA (individual savings account). Keep in mind, tax benefits will depend on your circumstances and tax rules may change in the future.

Easy access to your money

Access your money online any time – without paying an exit fee. But, you should look to invest for at least 5 years, to give it the chance to recover from any dips.

Managed by specialists

HSBC Global Asset Management will manage your portfolio on your behalf. They'll aim to get you the best returns and make sure it stays at the same risk level.

Mix of investments

Our portfolios contain a mix of investments from over 50 different countries, giving you access to a world of opportunities.

Our portfolios

Our ready-made portfolios are an accumulation fund, which means that any income will be reinvested within the fund. This gives your investment the potential to grow. Each portfolio has a risk level rated 1 to 5, where 1 is a lower level of risk and 5 is a higher level of risk. This indicates the amount of potential return on your investment and the risk of investment loss.

The make-up of the portfolios below are correct as of 30 April 2021. Read the portfolio factsheets for the current composition and the costs and charges document to find out more about the fees involved.

How to apply

Choose the portfolio that best matches how you feel about risk, then let us know which investment account you'd like to apply for. You can choose to open a stocks & shares ISA or a general investment account (GIA).

Invest through your app

Or, if you're registered for mobile banking, you can apply and choose your investment account on the app.

Stocks & shares ISA

A stocks & shares ISA (Individual Savings Account) is an account that you can open for your investments. Opening an ISA is a tax-efficient way to build your portfolio, because you can invest up to £20,000 without paying any UK income tax or capital gains tax.

You can open a stocks & shares ISA if:

you don’t already have a stocks & shares ISA for the current tax year (you can still have a cash ISA or another type of ISA)
you’ve not exceeded your £20,000 ISA limit for the current tax year

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

General investment account

Or, you can choose to open a general investment account (GIA) if:

you already have another stocks & shares ISA this tax year, or
you have exceeded the overall £20,000 ISA limit

Cautious

Risk level: 1 out of 5

The Cautious fund will be invested across global markets and typically the fund will have a bias towards asset types that focus on bonds.

Cautious Portfolio costs and charges

Cautious Portfolio factsheet

Invest with an ISA (Cautious Portfolio) This link will open in a new window

Invest with a GIA (Cautious Portfolio) This link will open in a new window

Conservative

Risk level: 2 out of 5

The Conservative fund will be invested across global markets and typically the
fund will have a bias towards asset types that focus on bonds.

Conservative Portfolio costs and charges

Conservative Portfolio factsheet

Invest with an ISA (Conservative Portfolio) This link will open in a new window

Invest with a GIA (Conservative Portfolio) This link will open in a new window

Balanced

Risk level: 3 out of 5

The Balanced fund will be invested across global markets.

Balanced Portfolio costs and charges

Balanced Portfolio factsheet

Invest with an ISA (Balanced Portfolio) This link will open in a new window

Invest with a GIA (Balanced Portfolio) This link will open in a new window

Dynamic

Risk level: 4 out of 5

The Dynamic fund will be invested across global markets and typically the

fund will have a bias towards asset classes that focus on equities.

Dynamic Portfolio costs and charges

Dynamic Portfolio factsheet

Invest with an ISA (Dynamic Portfolio) This link will open in a new window

Invest with a GIA (Dynamic Portfolio) This link will open in a new window

Adventurous

Risk level: 5 out of 5

The Adventurous fund will be invested across global markets and typically the

fund will have a bias towards asset classes that focus on equities.

Adventurous Portfolio costs and charges

Adventurous Portfolio factsheet

Invest with an ISA (Adventurous Portfolio) This link will open in a new window

Invest with a GIA (Adventurous Portfolio) This link will open in a new window

Frequently Asked Questions

An HSBC portfolio, also known as a fund is a ready-made mix of investments that's been carefully selected by a fund manager.

By investing in a portfolio managed by a fund manager, you'll be investing in a far broader range of assets than if you chose to invest directly in the assets yourself. This could help you to achieve greater returns and reach your financial goals.

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

Our ready-made portfolios are made up of differing levels of these 4 types of asset class:

bonds – fixed income government bonds or corporate bonds
equities – shares in other companies
property – also known as alternatives
cash – pooled money can also be invested as a way to lower risk

By investing in one of our portfolios, you'll be combining different asset classes, which helps spread the amount of risk you take with your investment.

A team of experts at HSBC Global Asset Management will continuously track the performance of the individual assets in your portfolio and adjust the holdings accordingly.

Their goal will always be to maximise the return within the designated risk level.

Yes, you can open a stocks & shares ISA for your portfolio investments. It's a tax-efficient way to build your portfolio, as you can invest up to £20,000 per tax year without paying any income tax or capital gains tax (as of the tax year 2021/2022).

You can open a stocks & shares ISA if:

you don’t already have a stocks & shares ISA for the current tax year (you can still have a cash ISA or another type of ISA)
you’ve not exceeded your £20,000 ISA limit for the current tax year

If you already have another stocks & shares ISA this tax year, or you have exceeded the overall £20,000 ISA limit, you can apply for our general investment account instead.

Remember, the value of any tax benefits will depend on your circumstances and tax rules may change in the future.

We recommend that you aim to invest for at least 5 years, as this gives your investment more time to recover from any dips in the market.

But your money's not locked away. You can sell your investment at any time to access your money within 5 working days.

Investment advice

Our ready-made portfolios are offered without any advice. You choose the risk level that you're comfortable with, and HSBC Global Asset Management will manage your portfolio for you.

If you're unsure which level of risk is right for you, we also offer online investment advice for our ready-made portfolios. Fees and eligibility criteria apply.

Ready-made portfolios

Take the hassle out of investing with a ready-made portfolio

Why invest in a ready-made portfolio?

Who can apply?

Invest straight through the app

Take a closer look

Invest with a stocks & shares ISA

Easy access to your money

Managed by specialists

Mix of investments

Our portfolios

How to apply

Invest through your app

What's a stocks & shares ISA or a general investment account (GIA)?

Cautious

Conservative

Balanced

Dynamic

Adventurous

Frequently Asked Questions

What's a portfolio?

What do you mean by assets, bonds and equity?

How will the portfolio stay at my risk level?

Can I invest in an ISA?

How long should I aim to invest for?

Investment advice

You might also be interested in

New to investing?

Sustainable portfolios

Full range of funds

Customer support