Multi Asset Funds | Ready-made Portfolios

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Regular portfolios

Take the hassle out of investing

New to investing, or just looking for a more convenient way to invest? Choose an HSBC regular portfolio – a fund with a mix of investments that's managed on your behalf. Each ready-made 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 first build up some money to fall back on so that you're less likely to dip into your investment to cover for anything unexpected. This should ideally be 3-6 months of living costs.

Remember, investing has its ups and downs and – so you could get back less than you invest.

Why invest in a regular portfolio?

Start investing with £50 and choose to set up regular payments after your first investment
Join almost 300,000 people in the UK who are already investing with us
Get the most out of your investment with a tax-efficient stocks & shares ISA, or open a general investment account (GIA) for your portfolio

Keep in mind, tax benefits will depend on your circumstances and tax rules may change in the future.

Who can apply?

You can invest in a regular portfolio 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 holder)
you've got at least £50 to invest

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.

Stocks & shares ISA (Individual Savings Account)

This is an account that you can open for your investments.

You can invest up to £20,000 each tax year without paying any UK income tax or capital gains tax on any income or growth.

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 reached 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 (GIA)

A general investment account is a basic investment account with no tax-efficiencies. You can choose to open a GIA if:

you already have another stocks & shares ISA this tax year, or
you've reached the overall £20,000 ISA limit
this is your preferred option

Ready to start investing?

Select the portfolio with the risk level you're most comfortable with: (1) Cautious, (2) Conservative, (3) Balanced, (4) Dynamic or (5) Adventurous. Risk level 1 is the lowest and 5 is the highest. This indicates the investment's potential risk and reward.

Then, decide which investment account you'd like to apply for – a stocks & shares ISA or a general investment account (GIA).

The charts are correct as of 30 November 2022. For more information on the latest make-up of the portfolios, you can read the relevant 'Factsheet' PDF.

Use these descriptions to help you decide how you feel about risk. Then, choose the portfolio with the risk level that best suits you.

Very low – you're generally ok with a very low level of potential return on your investment, along with a very low risk of investment loss.

Low – you're generally ok with a low level of potential return on your investment, along with a low risk of investment loss.

Balanced – you're generally ok with a medium level of potential return on your investment, along with a medium risk of investment loss.

High – you're generally ok with a high level of potential return on your investment, along with a high risk of investment loss.

Very High – you're generally ok with a very high level of potential return on your investment, along with a very high risk of investment loss.

There's no cost to open a stocks & shares ISA or a general investment account. And there's no cost to withdraw money from your investments.

There will be ongoing charges for as long as you hold your investment, which we'll automatically take each quarter. For example:

Account fees: we charge an annual service fee of 0.25% for the running of your investment portfolio.
Other charges: fund managers also apply an annual management charge and other expenses. These will vary depending on the portfolio you choose.

Before investing, you can read the 'Costs and Charges' PDF for an estimate of the charges that may apply for that portfolio.

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

Cautious Portfolio factsheet

Apply for an ISA (Cautious Portfolio) This link will open in a new window

Apply for a GIA (Cautious Portfolio) This link will open in a new window

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

Conservative Portfolio factsheet

Apply for an ISA (Conservative Portfolio) This link will open in a new window

Apply for a GIA (Conservative Portfolio) This link will open in a new window

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

Balanced Portfolio factsheet

Apply for an ISA (Balanced Portfolio) This link will open in a new window

Apply for a GIA (Balanced Portfolio) This link will open in a new window

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

Dynamic Portfolio factsheet

Apply for an ISA (Dynamic Portfolio) This link will open in a new window

Apply for a GIA (Dynamic Portfolio) This link will open in a new window

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

Adventurous Portfolio factsheet

Apply for  an ISA (Adventurous Portfolio) This link will open in a new window

Apply for a GIA (Adventurous Portfolio) This link will open in a new window

Frequently asked questions

A portfolio is a collection of funds. And, a fund is typically made up of a mix of investments, known as assets.

Lots of people choose to invest in portfolios so they don’t have to choose individual funds themselves. Portfolios are also managed for you.

A ready-made portfolio invests in a mix of assets, bonds and equities, which are types of investments.

And, an asset is a group of investments that have similar financial characteristics.

The 4 types of assets that a fund could invest in are:

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

Our portfolios combine a varying mix of assets to help spread the risk of your investment.

Our team of experts at HSBC Global Asset Management track the risk and performance of the assets in your portfolio. They'll also adjust the investments according to the risk profile.

Their goal will always be to get the optimal return within your risk level.

Our ready-made portfolios are accumulation funds, which means that any income from the fund will be kept within them, which gives your investment more chance to potentially grow.

You can track your portfolio's performance and manage your investment straight through the app. Just select 'Investments' on your account screen to get started.

Or, read our step-by-step guide to learn how to manage your investments via online banking.

Regular portfolios

Take the hassle out of investing

Why invest in a regular portfolio?

Who can apply?

Take a closer look

Mix of global investments

Managed by specialists

Easy access to your money

Invest in a few steps

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

Ready to start investing?

What do we mean by 'risk level'?

What does it cost?

Cautious

Conservative

Balanced

Dynamic

Adventurous

Frequently asked questions

What's a portfolio?

What do we mean by assets, bonds and equities?

How will the portfolio stay at my risk level?

What's an accumulation fund?

How do I manage my portfolio?

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