Existing Selected Investment Funds (SIF)/Investment Funds Plan and ISA (IFP)/HSBC and BP Corporate ISA customers

Costs and Charges Disclosure Document and Key Investor Information Document Library

Costs and Charges Disclosure Document

Since 3 January 2018, the revision of a key piece of European legislation called the Markets in Financial Instruments Directive (MiFID II) applies to financial services that are regulated in the UK. Part of the MiFID II legislation requires us to provide you with the most recent version of a 'Costs and Charges Disclosure Document' before you make any investment in to your SIF/IFP/HSBC and/or BP Corporate ISA (your 'Account').

Key Investor Information Document (KIID)

Fund providers must produce a KIID for their funds and make them available to customers before they invest. This requirement applies to the vast majority of funds for sale across Europe.

You should make sure you have received and read the latest version of the KIID before making a final decision to invest.

When you telephone us to make an additional investment into your Account, we will ask you to confirm that you have read the appropriate Costs and Charges Disclosure Document and KIID before we can proceed with your investment instruction.

What is the Costs and Charges Disclosure Document?

The Costs and Charges Disclosure Document provides you with a generic example of the costs and charges associated with your Account (both the product, service and ancillary costs) in a percentage and monetary amount. There is also an illustration of the potential cumulative effect of costs on the return on investment over time.

Please note the illustrations in each Costs and Charges Disclosure Document are based on assumed growth rates and are not reliable indicators of future performance. You may not get back what you originally invested. Please also be aware that the Costs and Charges Disclosure Documents provided below are for the execution only service, they do not take into account the cost of any advice you may receive. If you invest through advice with HSBC your relationship manager will be required to provide you with the relevant Costs and Charges Disclosure Document for your chosen fund which will include the advice cost. This will provide you with a generic example of the costs and charges associated with your Account (both the product, service and ancillary costs) in a percentage and monetary amount, which includes any associated cost of advice.

What is the KIID?

The KIID is a two page pre-sale document produced for each fund containing clear descriptions of key fund information. The information in the KIID is prescribed by the Financial Conduct Authority rules and is intended to assist customers in making an informed investment decision.

The KIID only provides an outline of the charges at fund level and will not include any other transactional costs associated with dealing in a fund, so it is important that you also read the relevant Costs and Charges Disclosure Document for the fund you wish to invest in to understand how the charges may affect your investment over time. The KIIDs are provided for your information by the investment company administering the fund. HSBC Trust Company (UK) Limited is not responsible for the reliability or accuracy of the data provided by third parties.

Do I need to view a Costs and Charges Disclosure Document and KIID every time I make an investment?

No. As an existing Account customer, if you are making regular additional investments into the same fund/share class or equity and you have already seen the relevant Costs and Charges Disclosure Document and KIID and those costs have not changed, then you do not need to view the same documents again. However we do suggest that you check the library to make sure you have the most up to date version. If, as an existing Account customer, you are making a new investment or a new lump sum investment, we may need to provide you with a new Costs and Charges Disclosure Document to ensure that you have received all relevant information in relation to such subsequent transaction.

You only need to view a Costs and Charges Disclosure Document and KIID where you are investing in a fund/share class or equity you haven't previously invested, if you haven't seen the most recent version of the Costs and Charges Disclosure Document and KIID for your existing fund/share class or equity or if the nature of your investment may have an impact on costs & charges.

How do I find the right Costs and Charges Disclosure Document and KIID?

A separate Costs and Charges Disclosure Document and KIID has been produced for each fund/share class available on the SIF/IFP platforms. We have listed below all of the Costs and Charges Disclosure Documents and KIIDs by Fund Provider and in alphabetical order. The Costs and Charges Disclosure Document for Corporate ISA covers the costs and charges for both the BP and HSBC ISA, there is no KIID available for this product. When you locate the correct fund, please click on the relevant link(s) which will open a PDF document. We recommend that you download or print the Costs and Charges Disclosure Document and KIID and retain them for your records.

Funds SIF

Funds IFP

Shares – Corporate Individual Savings Account (ISA)

All investments carry some risk. The value of investments (and any income received from them) can fall as well as rise and you may not get back what you invested. For some investments this can also happen as a result of exchange rate fluctuations as shares and funds may have an exposure to overseas markets.

Most investments should be considered as a medium to long-term commitment, meaning you should be prepared to hold them for at least five years.

The value of any tax benefits described depends on your individual circumstances. Tax rules may change in the future.

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