Keen to do more with your money yet not sure how to invest? My Investment could be perfect for you.
HSBC My Investment is an online advice service that makes investing even more accessible. Now you can start investing with just £50 a month, a lump sum of £1,000 - or both.
No need to book an appointment or pick up the phone. Simply tell us about your finances and we’ll tell you whether you're ready to invest and which HSBC investment is right for you.
Of course, the value of investments and any income they generate can go down as well as up, so you may get back less than you invest.
There's no fixed term and your money can be accessed at any time. However, you should aim to invest for at least 5 years.
Are you eligible?
You can use HSBC My Investment if you're:
- at least 18 years old
- an HSBC current account customer, registered for online banking
- currently in the UK and a UK resident
- not a US national/citizen/resident (e.g. a US passport or green card holder)
Need help with your application? Speak with us on Chat. We’re available Monday to Friday from 8am-8pm, or Saturday and Sunday from 9am-5pm.
Tailored to your needs
Get a personalised investment recommendation report
Find out how much investment risk you’re comfortable with
Discover which HSBC investment fund's right for you
Accessible, low-cost advice
Start investing with just £50 a month
Pay a one-off advice fee of just 0.5% – only if you choose to invest
Invest in as little as 25 minutes
Savings rates are as low as they’ve ever been. 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.
For example, 1 of the 5 funds we may recommend to you is the HSBC Global Strategy Cautious Fund. The chart shows an example of a greater return on £100 invested in this fund, compared to the HSBC Cash ISA. The graph shows that:
- if £100 was invested in the fund on 1 July 2016, it would have been worth £122.54 by 30 June 2021
- if £100 was put into a cash ISA instead, it would have been worth £101.15
Keep in mind that unlike saving, there’s a risk you could get back less than you invest, and past performance is not a guarantee of future performance.
Sources: Morningstar and HSBC UK. In the fund calculations, dividends were reinvested and ongoing charges and account fees are included.
How does it work?
We'll take you through a series of questions about your current situation and your future plans to work out whether you’re ready to invest, how much you can afford to invest and how much risk you’re comfortable with.
If investing’s right for you, we’ll send your personalised investment recommendation report via online banking. You can also access it via your HSBC Mobile Banking app.
In the report, we'll recommend an HSBC investment fund that meets your needs. Just as you’d expect from a global bank, our funds invest in both developed and emerging markets. This mix of UK and overseas investments can help to broaden your horizons while spreading your risk.
The funds are monitored daily by colleagues in HSBC Global Asset Management (UK) Limited – a team of investment professionals whose job it is to ensure they stay within their designated risk profile. So all you need to do is decide whether to invest and we’ll do the rest for you.
My Investment is an online advice service for growing your money, rather than for a monthly income. It isn’t suitable for retirement or inheritance planning.
What does it cost?
The first thing you need to know about cost is you’ll only pay an advice fee if you choose to invest - and there's no obligation for you to do that.
If you decide to go ahead, you'll pay an advice fee of 0.5% of the amount you invest. If you’re making monthly payments, this will be based on 12 months of contributions. So if you invest £50 a month, you'll pay a one-off advice fee of just £3.
You'll also pay ongoing costs for running your investment. These will be around 0.49% a year – depending on the investment we recommend and its value at the time fees are payable. Following the £50 a month example, your ongoing costs for the first year will be around £3.
If we recommend that investing’s right for you, we’ll explain more about the charges involved to help you decide whether you want to proceed.
New to investing?
Continue with an existing application.