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Unit Trusts

Invest into a diversified portfolio to help you achieve your financial goals with peace of mind

Important Risk Warning 

  • 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

Transfer-in offer

Jade and Premier customers may receive HKD2,000 cash rebate for every accumulated amount of HKD500,000 transfer-in of Unit Trust, no cash rebate limit. Offer valid till 31 March 2023. T&Cs apply. Learn more

Don't have an account yet? Learn more about HSBC Premier or HSBC Jade

What are Unit Trusts?

Unit trusts pool the resources of investors into one large fund, which is then divided into shares, or ‘units’. Unit trusts are managed by professional fund managers and have varying levels of risk and return.

Whether you are making your first investment, or adding an investment to your portfolio, at HSBC you can choose from a range of funds to match your attitude to risk and investment goals. 

New to Unit Trusts offer

  • Jade and Premier customers who did not have any Unit Trusts holdings and transactions in the past 12 months can enjoy initial subscription charge of 0.68% on all Unit Trust orders (unlimited transaction amount). Offer valid till 31 March 2023. T&Cs apply. Learn more
  • Enjoy first 6 months initial charge waiver for Unit Trusts Monthly Investment Plan. Offer valid till 31 December 2023. T&Cs apply. Learn more

Investment involves risk.

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Why invest in Unit Trusts?

  • Spreading your risk

    Your investment is spread across a diverse portfolio.

  • Professional management

    Fund managers whose expertise is working for you.

  • Access to worldwide markets

    Your money can be invested in overseas markets.

  • Invest at your own pace

    Begin with a lump sum investment of HKD10,000 or build your portfolio with a HKD1,000 monthly contribution.

For more information read our "why consider" factsheet.

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Ways to invest in Unit Trusts

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.

Minimum investment: From USD1,000/HKD10,000

Minimum investment: No initial lump sum is required. Minimum monthly contribution per fund1 of HKD1,000

FundMax

 

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.

HSBC's Investment capability

 
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Invest with HSBC through its investment specialists.

Remarks:

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

 

Fees and charges

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
Subscription1,2 amount / fund type
 HSBC Premier HSBC One or Personal Integrated Account Other investment accounts
Below HKD1,000,000
 2.50%
 3.00%
 3.00%
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
Subscription1,2 amount / fund type
 Below HKD1,000,000
HSBC Premier 2.50%
HSBC One or Personal Integrated Account 3.00%
Other investment accounts
 3.00%
Subscription1,2 amount / fund type
 HKD1,000,000 or above
HSBC Premier 2.00%
HSBC One or Personal Integrated Account 2.50%
Other investment accounts
 3.00%

Note: The minimum investment for lump-sum Unit Trust investment is from USD1,000 or HKD10,000 .

Bond Funds / Money Market Funds

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

Note: The minimum investment for lump-sum Unit Trust investment is from USD1,000 or HKD10,000 .

Other Services

Services 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
Services 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

Notes: 

  1. 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.
  2. 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.

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