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New to investing?

We'll answer your questions and help you get started

 

We're here to help you start investing

Like saving, investing is a way to set aside money today to use in the future. You’ll be putting your money into something you believe will go up in value over time. The key difference is there are no guarantees with investing.

We'll show you how you could start investing with a stocks & shares ISA.

Why invest?

Savings rates remain low. Investing is an alternative way to save for your future that could potentially provide higher long-term growth than leaving your money in a savings account.

The chart shows the return on £100 invested in the HSBC Global Strategy Cautious Fund and the HSBC Cash ISA. Our Cautious Fund has the lowest risk out of our range of 5 funds and it's designed for new investors.

£100 invested in our Cautious Fund on 1 July 2016 would have been worth £122.54 by 30 June 2021. Whereas, £100 in a Cash ISA would have been worth £101.15 on the same date.

Remember, investing has its downs as well as ups. Unlike saving, there’s a risk you could get back less than you invest – for example if you invested in January 2020 and sold your investments in April 2020. Also keep in mind that past performance is not a reliable guide to future performance.

Graph showing how £100 invested in our Cautious Fund on 1 July 2016 would have been worth £122.54 by 30 June 2021, whereas £100 in a Cash ISA would have been worth £101.15 by the same date.
Sources: Morningstar and HSBC UK. In the fund calculations, dividends were reinvested and ongoing charges and account fees are included.

Get to know more about investing

How much do I need to start investing?

Start investing with as little as £50 a month. But before you begin, we recommend that you still have some funds to cover for emergencies, so you're less likely to dip into your investment if life throws you any surprises – and you can give it time to grow.

How long should I invest for?

Investing should be seen as a longer-term strategy. You should plan to set your money aside at least 5 years to give it a better chance to ride out any short-term fluctuations. However, your money is not locked away so you can withdraw it if you need to – without paying any exit fee.

What should I invest in?

You could choose to invest in a fund also known as a ready-made portfolio – which is an investment that's managed on your behalf. A fund spreads your money across a range of investments, which can help to spread your risk. That’s because if one of the investments goes down in value, it could potentially be balanced out by others gaining value.

How much risk should I take?

That depends on how you feel about uncertainty. Lower risk funds, like the one shown in the chart aim to achieve a modest but stable return on your investment. Whereas, higher risk funds can offer you a higher potential reward with a potentially bumpier ride. Not sure what's right for you? Take a look at Is investing worth the risk?

Why invest with HSBC?

You could join almost 300,000 people in the UK who have already started investing with us.

  • Start with as little as £50

    Investing’s not just for the wealthy. You can start with just £50 – whether that's with a lump sum or by making regular payments.

  • Be part of something bigger

    Our funds invest across multiple markets. This mix of UK and overseas investments can help to broaden your horizons while spreading your risk.

  • Managed by experts

    Your fund will be managed on your behalf by our investment experts. Just choose your preferred level of risk and they'll take care of the rest.

  • Keep track of your investments

    You'll see the value of your investment whenever you log on, or open your HSBC mobile banking app. You can even invest straight through the app.

How to start investing

To invest with us, you need to have an HSBC current account. Eligibility criteria and fees apply.

Next, just decide if you're happy to make your own decisions or if you'd like some advice.

Choose your own investment fund

Choose your preferred level of risk from our range of 5 HSBC Global Strategy Portfolios.

  • start investing with a lump sum of just £50
  • once you’ve opened your account, set up regular investments from £50 per month
  • invest in just a few clicks
  • total costs vary depending on the fund you choose

Get online advice

We could recommend if investing's right for you and how much risk you'd be comfortable with.

  • start investing from £50 a month, a £1,000 lump sum – or both
  • pay a one-off advice fee of just 0.5% – only if you choose to invest
  • ongoing costs vary depending on the fund we recommend
  • invest in as little as 25 minutes

Other investment options

If you’re interested in buying shares or would like to browse a wider range of funds, including funds from other leading providers, you can choose your own investments.

If you have larger, more complex investment needs, our Global Private Banking team would welcome the opportunity to discuss bespoke wealth management with you.

It's easy to answer your query online. Visit our Help page to find out how.