• Unit Trusts are investment products and some may involve derivatives. The investment decision is yours but you should not invest in the Unit Trusts unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives
  • Unit Trusts are NOT equivalent to time deposits
  • In the worst case scenario, the value of the unit trusts may be worth substantially less than the original amount you have invested

Make your first investment or add an investment to your portfolio. With HSBC, you can choose from a wide range of funds to match your attitude to risk and investment goals.

  • Diversify your portfolio with asset allocation strategy via access to equity, multi-asset and fixed income funds under different sub asset classes from around the world
  • All funds are managed by professional fund managers who are ideally positioned to identify investment opportunities for you
  • Start investing in funds with an initial investment as low as HKD10,000

Ways to invest in Unit Trusts

Invest at your own pace

Unit Trusts enable investors to diversify their investments into different markets and investment instruments such as equities, bonds, securities, currencies and warrants/derivatives. If you would like to enjoy the benefit of diversification with unit trusts investment, you can invest a lump sum amount or set up a monthly investment plan.

 

Lump sum investment: Diversify your portfolio with unit trust investment with as low as HKD10,000 in lump sum.


Unit Trust Monthly Investment Plan (UTMIP): Build your investment portfolio to realize your financial goals with as low as HKD1,000 monthly contribution

Methods of Investment
Investment method Minimum investment
Lump sum From USD1,000/HKD10,000
Unit Trust Monthly Investment Plan No initial lump sum is required. Minimum monthly contribution per fund1  of HKD1,000
Methods of Investment
Investment method Lump sum
Minimum investment From USD1,000/HKD10,000
Investment method Unit Trust Monthly Investment Plan
Minimum investment No initial lump sum is required. Minimum monthly contribution per fund1  of HKD1,000

1Irregular lump sum contributions can be made from a minimum of USD1,000 or HKD10,000 per fund.

You can also invest with FundMax, a total wealth management solution.

Build and manage your financial health wisely via an unique pricing structure with a single monthly fee.

Access to comprehensive fund information for systematic fund analysis via Fund Express.

An all-in-one tool with comprehensive fund information for systematic fund analysis.

Invest with HSBC Managed Solutions2

2"HSBC Managed Solutions" is the abbreviated name of "HSBC Global Investment Funds - Managed Solutions".

Fees & Charges

Note: The Unit Trust fees and charges and applicable Terms and Conditions stated below do not apply to FundMax account. Please refer to "FundMax" page for details.

HSBC lump-sum open-end fund initial charge offer pricing table

All open-end funds (except Bond Funds / Money Market Funds)

Unit Trust preferential initial charge offer for the Investment Account Type used for Subscription Order
Service Charges Charges Charges Charges
Subscription1,2 Subscription amount / fund type HSBC Premier HSBC Advance or Personal Integrated Account Other investment accounts
Subscription1,2 Below HKD1,000,000 2.50% 3.00% 3.00%
Subscription1,2 HKD1,000,000 or above 2.00% 2.50% 3.00%
Unit Trust preferential initial charge offer for the Investment Account Type used for Subscription Order
Service Subscription1,2
Charges HSBC Advance or Personal Integrated Account
Charges Other investment accounts
Service Subscription1,2
Charges 3.00%
Charges 3.00%
Service Subscription1,2
Charges 2.50%
Charges 3.00%

Note: The minimum investment for lump-sum Unit Trust investment is from USD 1,000 or HKD10,000 .

Bond Funds / Money Market Funds

Unit Trust preferential initial charge offer for the Investment Account Type used for Subscription Order
Service Charges Charges Charges Charges
Subscription1,2 Subscription amount / fund type HSBC Premier HSBC Advance or Personal Integrated Account Other investment accounts
Subscription1,2 Below HKD1,000,000 2.00% 2.00% 2.00%
Subscription1,2 HKD1,000,000 or above 1.50% 2.00% 2.00%
Unit Trust preferential initial charge offer for the Investment Account Type used for Subscription Order
Service Subscription1,2
Charges Other investment accounts
Service Subscription1,2
Charges 2.00%
Service Subscription1,2
Charges 2.00%

Note: The minimum investment for lump-sum Unit Trust investment is from USD 1,000 or HKD10,000 .

Other

Pricing Table
Service Charges
Redemption/ Management/ Other fees Please refer to the respective prospectus of the fund
Switching fee3 Up to 1% of the switching amount
Investment Order Confirmation eAlerts Free of charge
Transfer-out4 Administration fee of HKD100 per fund transferred
Pricing Table
Service Redemption/ Management/ Other fees
Charges
Please refer to the respective prospectus of the fund
Service Switching fee3
Charges
Up to 1% of the switching amount
Service Investment Order Confirmation eAlerts
Charges
Free of charge
Service Transfer-out4
Charges
Administration fee of HKD100 per fund transferred

Note: The application channel for Unit Trusts includes HSBC Internet Banking, Branch, and Phonebanking (for redemption only).

Remarks:

1The initial charge offer is applicable to successful lump-sum subscription order of open-end funds (excluding CapitALL funds). Determination of the initial charge for each subscription order is based on the relevant fund type, account type and subscription amount, details of which are set out in the above initial charge offer pricing table.

2The actual amount of initial charge imposed on an open-end fund subscription order is calculated based on the applicable initial charge offer and in accordance with the respective fund house’s fee calculation logic, which varies from fund house to fund house. This amount may be different from the amount derived from multiplying the subscription amount by the relevant open-end fund preferential initial charge offer.

3Switching is only allowed between two funds of the same fund house. Please refer to the respective prospectus of the fund for details of the fees and charges .

4Please note that only Transfer-in/ out across same name accounts will be allowed. Please visit any HSBC branch should you wish to place transfer instruction.

 

Please refer to the "Terms and Conditions for Unit Trusts Fees & Charges"  section below for other terms & conditions of Unit Trusts fees & charges.

Terms and Conditions for Unit Trusts Fees & Charges :

  • Other promotional offers on open-end fund initial charge maybe available from time to time. Customer will enjoy the preferential initial charge offer set out above or the prevailing promotional offer, whichever rate is lower.
  • Details of this open-end fund preferential initial charge offer may be changed from time to time at the discretion of The Hongkong and Shanghai Banking Corporation Limited in Hong Kong SAR (the “Bank”) without prior notice.
  • The Bank reserves the right to change these Terms and Conditions at any time with reasonable notice and the initial charge offer may be withdrawn by the Bank at its discretion without prior notice.
  • In case of dispute, the decision of the Bank shall be final and conclusive.
  • In case of discrepancies between the English and Chinese versions of these Terms and Conditions, the English version shall apply and prevail.


Disclaimer:

The information is not and should not be construed as an offer to buy or sell any investment products, and should not be considered as investment advice. You should carefully consider whether any investment products are appropriate in view of your investment experience, objectives, financial resources and relevant circumstances.

Investment involves risk. Investors should not only base on this material alone to make investment decisions. Please refer to the offering documents of the respective funds for details, including risk factors. The price of units or shares and the income from them may go down as well as up and any past performance figures shown are not indicative of future performance. The information contained on this website 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 where such activities would be unlawful under the laws of such jurisdiction, in particular the United States of America. Please refer to the Unit Trust disclaimer for further important details.

Unit Trusts are investment products and some may involve derivatives. The investment decision is yours but you should not invest in the Unit Trusts unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives.

Unit Trusts are NOT equivalent to time deposits.

In the worst case scenario, the value of the unit trusts may be worth substantially less than the original amount you have invested.

The contents of this page have not been reviewed by the Securities and Futures Commission.

Issued by the Hongkong and Shanghai Banking Corporation Limited