Wealth Booster financial guide | HSBC One

HSBC HK
Accounts
HSBC One
Wealth Booster

The information on this page is not recommending or soliciting any investment product or service. Refer to the specific terms and conditions for each individual product for further details and risks involved. You should carefully consider whether any investment product or service mentioned here is appropriate for you in view of your personal circumstances.

Investment involves risk. Past performance is no guide to future performance. The price of investment products may move up or down. Losses may be incurred as well as profits made as a result of buying and selling investment products.

The information on this page is intended for Hong Kong residents only and should not be construed as a distribution, an offer to sell, or a solicitation to buy any securities in any jurisdiction that has laws against that, in particular the United States.

Learn how to manage your money like a pro

Power up your finances with our Wealth Booster. Access new tips, tools and other solutions that can help you make better decisions and preparations for your future.

Now's your chance to get started on the path to financial independence. Whether you're looking for advice on saving or how to get started investing, we can help.

Ready to start investing? start investing

We have more than 150 years of experience in helping people grow their wealth. We can help you, too, no matter what stage in the journey you're at.

Where would you like to begin?

Start to invest

Build passive income

Not sure? Start by taking a Financial Health Check. This will give you a good idea of where you currently stand, and what you can do to improve your situation.

How to start investing

It's great that you're setting aside some of your money for the future. Now's the time to put it to work, instead of losing it bit by bit to inflation.

If you're serious about starting to invest, our simple course can teach you the basics in just a week, Sign up and get your first lesson today.

Myth 1: It’s too risky

All investments do have an element of risk, but there are high-risk investments and low-risk investments and everything in between.

The key is to first figure out your risk appetite and see how it fits with your investment goals. You can do it in just a few minutes using our Risk Profiling Questionnaire. This will help you understand what sort of investments are right for you.

Myth 2: You have to be rich

Nope. Nowadays you can start with relatively little. You only need HKD100 to start investing in unit trusts. And you can invest in stocks for as little as HKD1,000 per month.

Myth 3: You need to be an expert

Investing doesn't have to mean constantly watching the stock market. There are other options, such as investing in funds that could be another way to start. Investing in a fund is like buying a ready-made, off-the-shelf basket of investments that's been put together by an experienced professional fund manager.

Wealth Know-how

We're here to help simplify things. Follow our tips to learn about all different kinds of investments, for all levels of risk.

5 steps to successful investing

Nervous about getting started? No problem, here's a simple guide to start with.

Six keys to manage market uncertainty

You can't predict the future, but there are ways to prepare yourself for it.

Three investment tips to navigate coronavirus volatility

COVID might have created lots of uncertainty, but you can still make a plan

What are index funds? This link will open in a new window

An index fund lets you invest in something that mirrors the overall performance of a market.

How to pick index funds This link will open in a new window

There are lots of different index funds covering all different markets, from the Hang Seng Index to the S&P 500 and beyond. So what's the right index fund for you?

Find out how an insurance plan can help achieve your financial goals This link will open in a new window

Starting to make some money? Great! Don't forget to protect it.¹

Wealth Made Easy

We've got all kinds of apps and products to help you start investing. Remember to check out the features and risks of any products before investing.

FlexInvest

FlexInvest makes it easy to start doing your own investments. You can buy unit trusts with as little as HKD100.

Stock Monthly Investment Plan (SMIP)

Make your investing a habit. The SMIP is a subscription that lets you start building your portfolio for as little as HKD1,000 a month.

Easy Invest

Want to take full control of your stock trading? Easy Invest is an easy to use app that lets you trade stocks and get free market information.

MPF TVC

Save on your taxes and build your retirement nest egg at the same time. Tax Deductible Voluntary Contributions (TVC) let you make up to HKD60,000 worth of tax deductible contributions to your MPF each year.

Foreign currency isn't just for overseas trips. Discover how you can use foreign exchange as part of your investment portfolio.

FX Investment

Planning to do some FX investing? With as little as HKD5,000 you can use Deposit Plus for a chance at higher interest rates.

Deposit Plus

We've also got easy-to-use tools to help you understand your financial situation, so you can start building your wealth plan. Explore our tools.

Wealth Coach

Need some guidance? We're here to help address any questions you might have about investments.

And if you need help figuring out how to achieve your financial goals, you can book an appointment for a free, personalised session with our Wealth Coach.

Get in touch with us via "Live Chat" or “Chat with us” on our mobile app to learn more.

How to build passive income

The right type of investments can pay you a regular income in addition to – or in place of – your full time job. Let's take a look at how you can start generating passive income with the money you've saved.

What is passive income?

Passive income is money that regularly goes into your bank account no matter how the market performs. Unlike growth investments, where you're hoping your wealth grows over time, passive income gives you a more stable cash return.

Passive income is usually generated from lower volatility investments, such as dividend stocks, bonds / certificates of deposit or insurance plans.

Returns and income flow on these types of investments are relatively stable and more predictable as they are less volatile than other investments (they don't go up and down in price as much). This makes them a relatively stable part of your portfolio, you don't need to spend as much time monitoring them.

They're also more suited to long-term investing, so you don't face as much stress of trying to "time the market", buying when the price is at its absolute lowest and selling at the top.

Passive income can come from investments that pay you dividends and interest you earn on your holdings. You can take it as cash, but if you re-invest it instead you can start to benefit from compound interest.

Your new dividends and interest will be based on the new total, so every time you re-invest them you'll earn more interest and more dividends, allowing you to grow your portfolio balance exponentially.

Even though passive income investments are less volatile, there’s still a risk that you could lose the money you invest, or that you might not earn what you expect.

There are many reasons for uncertain outcomes. A firm whose shares you own could be hit by a scandal, or currency fluctuations could impact the value of your investment.

To manage risk, don’t put all your eggs in one basket - consider putting your money in a range of investments to diversify your income streams. That way if one loses money, it could be balanced out by your other investments.

Wealth Know-how

Explore how different investment and insurance products work so you can start to generate passive income.

Investing 101: Introduction to bonds This link will open in a new window

You can invest in a company or a government by lending them money. Find out more about bonds.

Investing 101: The basics of bond prices, bond yields and duration This link will open in a new window

Bonds can also be bought and sold on the bond market. Find out more about what could affect a bond's value.

Find out how annuities can help you with your long term goals This link will open in a new window

Life insurance to help you reach financial goals? Yup. An annuity can help give you a steady income over the years.

Public and private annuities – know the difference This link will open in a new window

How to pick the right annuity for you. Some of them are even tax deductible.

Wealth Made Easy

We've got all kinds of products that can help you start building passive income. Remember to check out the features and risks of any products before investing.

Bond / CD

Check out our range of investment grade bonds and CDs.

UT Monthly Investment Plan

Use our monthly plan to invest in professionally managed unit trusts for as little as HKD1,000 a month.

Insurance plans

This link will open in a new window

We have a range of insurance plans to achieve your financial goals and fulfill your life coverage needs.¹

Stocks

Explore Hong Kong, US and China A shares that pay out regular dividends.

We've also got easy-to-use tools to help you understand your financial situation, so you can start developing your passive income. Explore our tools.

Wealth Coach

Need some guidance? We're here to help address any questions you might have about investments.

And if you need help figuring out how to achieve your financial goals, you can book an appointment for a free, personalised session with our Wealth Coach.

Get in touch with us via "Live Chat" or “Chat with us” on our mobile app to learn more.

How do I start investing? start investing

Tools

Financial Health Check

about financial health check This link will open in a new window

Review your finances and check if you're on track with your goals in life.

Risk Profiling Questionnaire

click here This link will open in a new window

Take a few minutes to understand your investment needs and risk appetite.

Ready to start investing?

HSBC One in neon light; image used for HSBC One

Don't have an HSBC account?

Learn more about HSBC One

Learn more about HSBC One - an all-in-one account to handle all of your financial needs

Mouse connector; image used for HSBC Wealth Booster

Start investing now

Log on to your investment account log on to investment account This link will open in a new window

Open an HSBC Investment Account today open an HSBC investment account

Disclaimer

The Hongkong and Shanghai Banking Corporation Limited ("HSBC") is an insurance agent authorised by HSBC Life for the distribution of life insurance products in the HKSAR and also by AXA for the distribution of medical and general insurance products in the HKSAR.

Wealth Booster

Important risk warning