HSBC FlexInvest

Diversify with as little as HKD100

We make it easy to invest in all assets and markets, by covering a wide range of companies, sectors and regions. With our selected funds, you can capture an entire index or invest in a whole portfolio that suits your risk appetite.

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Key benefits

Investing made affordable

For as little as HKD100, you can invest and buy or sell funds starting with zero monthly fees

Suits all risk appetites

Choose from expert-curated index funds or ready-made and actively managed portfolios based on your risk appetite

Build a flexible portfolio

Trade in and trade out of asset class indexes with zero transaction fees when you need to adapt to market movements

Automate your investments

Create an automated investing plan so you can invest consistently each month and take advantage of dollar cost averaging

HSBC FlexInvest rewards

Receive up to HKD300 in cash rewards when you invest with us, and earn up to HKD500 PayMe vouchers when you tell your friends about FlexInvest. T&Cs apply.

Learn more

Fees and charges

You'll be charged:

a monthly platform fee, but only when your average holding balance (the daily average of the total market value of your holdings) reaches HKD10,000. See the table for how much you might need to pay.

You won't be charged:

any fund management fees by us, as the companies who manage the funds will take them directly from the fund's performance (read the fund detail pages for details of these fees)
for any trading activities—you can buy or sell FlexInvest funds for free, without any limits

Fees table

This table shows what fees may be charged depending on your average holding balance:
Your average holding balance	Monthly platform fees
Less than HKD10,000	Free
Between HKD10,000–200,000	HKD28 per month
More than HKD200,000	0.8% p.a. of your average holding balance

This table shows what fees may be charged depending on your average holding balance:
Your average holding balance	Less than HKD10,000
Monthly platform fees	Free

Your average holding balance	Between HKD10,000–200,000
Monthly platform fees	HKD28 per month

Your average holding balance	More than HKD200,000
Monthly platform fees	0.8% p.a. of your average holding balance

Fund types you can invest in with HSBC FlexInvest

Money market funds

Money market funds let you invest in low-risk financial products like cash or short-term debt. They are generally considered one of the least risky investments available.

Bond index funds

Bonds are a special kind of debt issued by companies or governments. They're deemed conservative investments with lower risks and returns than equities. But they can be vital to a diversified portfolio.

You can explore bond index funds in FlexInvest by region or industry.

Equity index funds

Equity index funds let you invest in a portfolio of multiple companies. These funds generally carry higher risks than bond index funds. But they can be essential to a diversified portfolio.

Choose from 5 different equity index funds, each consisting of a broad selection of company stocks that aims to replicate an entire index and its composition—for example, Hang Seng Index or S&P 500 Net Total Return Index.

Multi-asset funds

Our World Selection portfolios let you invest within your risk appetite easily. A suite of 5 multi-asset instruments, they're designed and managed within their specific risk level. They can include bonds, equities, money market funds and more.

An award-winning platform

FlexInvest won the top prize for a Wealth Management Platform for 3 consecutive years at the Bloomberg Businessweek Financial Institution Awards, in 2020, 2021 and 2022.

Get started

To get started, you'll need to open an investment account and fill in a valid Risk Profiling Questionnaire. You can do both of these on the HSBC HK Mobile Banking app.

If you don't have an HSBC account yet, you can download the app to open yours easily.

To open an account via the app, you must:

be a permanent resident aged 18 to 64 residing in Hong Kong
not have any existing HSBC bank or investment accounts, or credit cards

Join HSBC Flexinvest in just 3 steps

Step 1

Log on to the HSBC HK Mobile Banking app

Step 2

Select 'Investment', then 'FlexInvest'.

Step 3

You can refer to our FlexInvest user guide for more information on how to place an order and manage your holdings.

Need help?

Talk to us

You can reach us via Live Chat.

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Don't have an HSBC investment account?

You can open an investment account on the HSBC HK Mobile Banking app and start trading with us in minutes.

Open an investment account , link will go to "Open an Investment Account" page

Find your nearest branch or call us on (852) 2233 3733.

Lines are open 9:00am to 6:00pm, Mondays to Fridays, and 9:00am to 1:00pm on Saturdays, except public holidays.

Find out more

The following example is for illustration only and not intended as advice.

You could build a multi-fund portfolio easily using the Lifestyle Investing Method.

Simply subtract your age from 100 to calculate your asset allocation. So if you're 25 years old, your asset allocation would be 75. That means your portfolio would be 25% bonds and 75% equities.

You can use this method to adjust the ratios in your portfolio from time to time even as you get older.

A younger investor who's 30 to 40 years away from retirement could take more risk. They could opt to have 90% equities and 10% bonds in their portfolio.

But an investor who's approaching retirement, or who will need the money soon, may want to protect their investments. They could do so by moving their investments to lower-risk funds such as money market or bond index funds.

Remember, this is just a very general rule. While it's a great place to start, you should also consider your age, investment goals and risk tolerance when deciding your asset mix.

Let's look at an example

Janet is 23 years old and has decided to invest HKD500 per month. Using the Lifestyle Investing Method, she aims to have 23% bonds and 77% equities. She adjusts this to 20% bonds and 80% equities because she's a young investor who can take some risk and wants to make a long-term investment.

She completes the Risk Profiling Questionnaire and gets a risk tolerance level of 4. That means she can tolerate medium to high-risk investments and loss of capital. This is what her asset allocation looks like:
Asset class	Allocation	HKD per month
Equities	80%	400
Bonds	20%	100
Total	100%	500

She completes the Risk Profiling Questionnaire and gets a risk tolerance level of 4. That means she can tolerate medium to high-risk investments and loss of capital. This is what her asset allocation looks like:
Asset class	Equities
Allocation	80%
HKD per month	400

Asset class	Bonds
Allocation	20%
HKD per month	100

Asset class	Total
Allocation	100%
HKD per month	500

Janet sees three equity funds with a risk rating of 4, and two rated 5. She decides to focus on the funds within her risk tolerance level.

She reviews the performance charts and annual management fees for each one. She also looks at the fund fact sheet and asset allocation within each fund, and other important information.

She notices that two of the funds are invested in similar sectors. She decides that she wants to diversify her investments, so she chooses two equity funds that are more different from each other.

Next, she looks at the bond funds. After reviewing the bond information and fees, she chooses a government bond instead of a corporate one. Here's what her asset allocation looks like now:
Asset class	Risk rating	Allocation	HKD per month
Equities fund A	4	40%	200
Equities fund B	4	40%	200
Bond fund	2	20%	100
Total	N/A	100%	500

Next, she looks at the bond funds. After reviewing the bond information and fees, she chooses a government bond instead of a corporate one. Here's what her asset allocation looks like now:
Asset class	Equities fund A
Risk rating	4
Allocation	40%
HKD per month	200

Asset class	Equities fund B
Risk rating	4
Allocation	40%
HKD per month	200

Asset class	Bond fund
Risk rating	2
Allocation	20%
HKD per month	100

Asset class	Total
Risk rating	N/A
Allocation	100%
HKD per month	500

She can purchase each fund for free, and she'll only be charged a monthly subscription fee of HKD28 if her portfolio exceeds HKD10,000. This works out great for her as a young investor who's just getting started on her long-term objectives due to the lower fees and the value of compounding returns.

You may have heard of the phrase, "you have to risk money to make money". Higher risks could lead to higher returns. However, higher risks could also lead to higher losses.

Our Risk Profiling Questionnaire helps you understand what losses—actual and psychological—you can withstand comfortably. It's only 6 questions long, and you can take it on the HSBC HK Mobile Banking app.

Once you've completed it, you'll receive a risk rating between 1–5. All of our investment products, except individual stocks, carry a risk rating so you can see if a product matches your risk tolerance.

A few key things to keep in mind:

Your investing time-horizon could determine how much risk you can take. If you're young and don't need the returns in the short term, you could tolerate more risk than someone who's approaching retirement or who will need the money soon.
Your total net worth could be a factor too. If you have more disposable income, you may be able to withstand greater financial losses.
Your risk rating is a guideline based on what you tell us. You could invest in products with a higher or lower risk rating, but you'll need to make that decision for yourself.

Yes, but you'll need to make that decision for yourself.

You can buy an investment product with a higher risk rating, but you should understand the risks involved.

If you build a portfolio with bond and equity funds, you could lower the ratio of equity funds slightly to allow you to take some risks. Ultimately, you're the best judge of what asset allocation you're comfortable with.

You could start with the Lifestyle Investing Method and adjust your asset allocation ratio from there. As you make your decision, it's important to consider your overall financial wellbeing, risk appetite, investment time-horizon and market volatility.

Having choices is important. But it can be overwhelming if there are too many.

FlexInvest is designed to make investing easier for you. Our experts have curated 15 funds you can choose from, depending on your risk appetite. You can pick from 4 types of funds: money market funds, bond index funds, equity index funds and multi-asset funds.
Type of fund	It might be for you if
Multi-asset funds	You're not very confident with investing but want to do it anyway You're not sure how to start investing You want to make an investment as quickly as you can
Other types of funds (including money market funds, bond index funds and equity index funds)	You're analytical and you conduct your own research before making decisions You want to take control of your own investments

FlexInvest is designed to make investing easier for you. Our experts have curated 15 funds you can choose from, depending on your risk appetite. You can pick from 4 types of funds: money market funds, bond index funds, equity index funds and multi-asset funds.
Type of fund	Multi-asset funds
It might be for you if	You're not very confident with investing but want to do it anyway You're not sure how to start investing You want to make an investment as quickly as you can

Type of fund	Other types of funds (including money market funds, bond index funds and equity index funds)
It might be for you if	You're analytical and you conduct your own research before making decisions You want to take control of your own investments

You may also be interested in

FlexInvest funds list

A flexible way to invest in funds according to your risk appetite

Unit trusts

Invest in a diversified portfolio to achieve your financial goals

Learn to invest in 7 days

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If you want to learn more about investing and options to consider, you can sign up for our free 7-day email course—perfect for beginners.

Take our Risk Profiling Questionnaire

How much risk are you comfortable with? Take or retake our Risk Profiling Questionnaire (RPQ) to get your risk rating score and see which funds might suit you.

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.
The information shown in this website is neither a recommendation, an offer, nor a solicitation for any investment product or service. Investment involves risk. You should carefully consider whether any investment product or service mentioned herein is appropriate for you in view of your personal circumstances. Past performance is no guide to future performance. Investors should refer to the individual product explanatory memorandum or offering document for further details and risks involved. 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 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.
The contents of this page have not been reviewed by the Securities and Futures Commission.