Take the hassle out of investing
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, via our Global Investment Centre (GIC) product.
Each portfolio has a different level of risk and expected reward. Just select your preferred level of risk and our team of experts will take care of the rest.
Before you invest, you should build up 3-6 months of living costs to fall back on, so that you're less likely to dip into your investment to cover for anything unexpected.
Remember, investing has its ups and downs and – so you could get back less than you invest.
Win up to £20,000 with HSBC Premier
Invest £10,000 in our wide range of funds and you'll be entered into our cash prize draws. Winners will receive one of 13 cash prizes (£20,000 x 1, £5,000 x 2, £1,000 x 10) awarded each month. Invest in June and you’ll be entered into all three monthly draws. Invest in July to be entered into July and August draws. Invest in August for a chance at winning in the August draw.
Capital at risk. Offer ends 31 August 2025. Exclusive to HSBC Premier customers. T&Cs and fees apply.
Take a closer look
Mix of global investments
Our portfolios contain a mix of investments from over 50 different countries, giving you access to a world of opportunities.
Managed by specialists
Your portfolio will be managed by our investment specialists. Just choose your preferred level of risk and they'll take care of the rest.
Easy access to your money
We recommend you aim to invest for at least 5 years. But your money isn't locked away – you can sell your investments and the money will be in your account within 5 days.
Invest in a few steps
You can invest here on the website or from your app. Then, track and manage your portfolio in the app, wherever you are.
More reasons to invest
- Start investing with £50Invest in a portfolio with £50 and choose to set up regular payments after your first investment.
- Invest with an ISAInvest up to £20,000 per tax year with a stocks & shares ISA, without paying UK income or capital gains tax on any growth.
- Join other investorsJoin almost 300,000 people in the UK who are already investing with us
Keep in mind, tax benefits will depend on your circumstances and tax rules may change in the future.
An award-winning way to invest
Invest online or straight through your app
We're delighted to have won awards for how easy it is to invest through our app and for our dedicated investment customer service.
Why not try investing with the app yourself?
Just open scroll past your accounts in the app and select 'Investments' to get started.
Who can invest?
You can invest in a ready-made portfolio if:
- You’ve got an HSBC current account or savings account (excluding the Online Bonus Saver, Fixed-rate Saver and any HSBC Cash ISAs)
- You’re at least 18 years old
- You're a UK resident – for tax purposes
- You’re not a US national/citizen/resident (eg a US passport or green card holder)
- You've got at least £50 to invest
Before you apply
Do you need to tell us about your personal situation?
We want you to be comfortable with any investment choice you make.
So, if you might be experiencing something that could impact your decisions, from a mental or physical health condition to a change in your life at home, you can get in touch with our Wealth team who can better understand your situation and can offer support.
Fees
There's no fee to open a stocks & shares ISA or a general investment account.
There's also no fee to withdraw money from your investments. But there will be ongoing charges, which we'll automatically take each quarter.
Before investing, you can read the 'Costs and Charges' PDF for an estimate of the charges that may apply for that portfolio.
Account fee
This is 0.25% of the value of the investments, taken quarterly from your nominated HSBC account. For example, a £1,000 investment would have a £2.50 account fee.
Fund management charge
This charge varies depending on the fund you choose and is calculated as a percentage of your investment. It is taken by the fund manager, which means you don't have to pay it directly, as it's reflected in the valuation of the fund.
Ready to invest?
Here's how to get started:
1. Decide how you feel about risk
Select the portfolio with the risk level you're most comfortable with. Risk level 1 is the lowest and 5 is the highest. This indicates the investment's potential risk and reward.
2. Choose which account you'd like to apply for
Decide which investment account you'd like to apply for – an HSBC Stocks & shares ISA and/or a general investment account (GIA).
Alongside your investment account(s), an uninvested cash account (UCA) will also be opened for you.
Cautious
Risk level: 1 out of 5
The Cautious fund is invested across global markets with a strong bias towards bonds.
Cautious Portfolio costs and charges
Conservative
Risk level: 2 out of 5
The Conservative fund is invested across global markets with a bias towards bonds.
Conservative Portfolio costs and charges
Balanced
Risk level: 3 out of 5
The Balanced fund is invested across global markets with a spread of asset types.
Balanced Portfolio costs and charges
Dynamic
Risk level: 4 out of 5
The Dynamic fund is invested across global markets with a bias towards equities.
Dynamic Portfolio costs and charges
Adventurous
Risk level: 5 out of 5
The Adventurous fund is invested across global markets with a strong bias towards equities.
Adventurous Portfolio costs and charges
Frequently asked questions
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New to investing?
We're here to help you start investing from £50.