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HSBC FlexInvest

FlexInvest is the fastest way to diversify with our low-cost index funds and ready-made portfolios

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.

Key benefits

Investing made affordable

For as little as HKD100, you can invest and buy or sell funds starting at zero monthly fees. Enjoy up to HKD300 in cash rewards when you invest with us. Learn more

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

Exclusive cash reward for new and returning customers

Receive up to HKD300 cash reward when you invest HKD15,000 with us. 

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
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 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.


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 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.


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

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.

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.

Find out more

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


Invest in a diversified portfolio to achieve your financial goals

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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.


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.