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The benefits of financial advice

New to investing but not sure where to start? Getting financial advice could help simplify things and save you time – allowing you feel more confident in your investment decisions.

Investing gives your money a greater potential to grow above and beyond inflation, compared to saving. But you should be prepared to invest for at least 5 years. There is also a risk you may not get back what you put in.

There’s a fee involved for investment advice and usually a minimum investment amount. But don’t let that put you off. 

Here are some of the benefits of investment advice. 

It could save you time

Building up the knowledge to make an informed decision on what to do with your money can take time and effort. By delegating the research to a financial adviser, it could free up your time and energy to spend on something else.

It could simplify things

If you’ve never invested before, it’s easy to get overwhelmed by the size of the task. Investment terms can also feel like a different language sometimes. 

Whether you take advice online or with a financial adviser, it can help make things more manageable. You’ll be asked a set of simple questions to clarify what’s relevant, before having your options helpfully streamlined for you.

Explore: Investment advice options with HSBC

Eligibility criteria and fees apply.

It could help you take decisive action

While having a lot of choice can be amazing, it can also be stressful.

The more options we have, the harder it can be for our brains to process, the higher the potential for anxiety and the slower our decision making can be. 

Consulting a professional can be a great way to avoid overthinking and take action. Why is that so important? Because when it comes to investing in your future, time is money. The sooner you start investing, the longer you could potentially leave your money to grow – giving it greater potential. 

Remember – there is always a degree of risk involved.

It could increase your confidence

When you research something yourself, you may doubt whether you’ve come to the right conclusion. You know that, ‘What if I missed something?’ feeling. 

When you receive a professional investment recommendation, you can feel reassured that the investment decision you’re taking is a well-informed one that’s right for you.

It could help you feel supported

Financial decisions can be difficult to make on your own. And they’re rarely just about you. Either directly or indirectly, they can also affect your partner or family, which can add to the pressure.

The pace of modern life means our brains are constantly being pulled into short-term activities, which creates short-term thinking. And that makes it difficult to focus on what you want your future to look like – and what it will take to get you there.

By consulting a trusted adviser about those longer-term decisions, including the risk and time commitments involved, it can feel like someone’s got your back. And not just anyone. Their professional and objective view means you’re benefiting from their knowledge and experience.

What type of advice can you get from HSBC?

Guides to help you make investment decisions

Take a look at our latest guides to learn more about investing – from how to get started to the different ways to invest.

Bespoke financial plan

If your needs are more complex, you may want to consider bespoke financial advice.

HSBC current account holders who have £100,000 or more in savings and investments – can book an appointment to receive a full financial review.

From protecting your family to planning your retirement, we’ll spend time getting to know your current plans and future ambitions.

Our financial advisers can make recommendations from a wide range of products that we’ve hand-picked from selected providers, including HSBC. 

Additional eligibility criteria and fees apply.

Want to choose your own investments?

Not everyone wants or needs financial advice. If you're happy making your own investment decisions, you can invest in funds or in shares by opening an InvestDirect sharedealing account

Eligibility criteria and fees apply.