Important risk warning
An easy way to start investing
FlexInvest is a great choice if you're just starting out in investing or you're looking for a low-cost way to begin building a portfolio for you or your family.
We know that many people find it intimidating picking individual stocks, worry about losing money and often think that they don't have enough money to invest.
FlexInvest has been designed to take much of the worry out of making your first investment but is also a great option if you have some experience and want a quick, low-fee way to build wealth.
You can invest with as little as HKD100 making it affordable to get started and you don't need to pay any trading fees when you buy or sell any of the funds.
You will pay a small subscription fee (HKD28 per month) for accounts between HKD10,000–200,000 invested - if your investments are less than HKD10,000 it's free - and this changes for larger amounts. You can read about the fees and charges here.
15 expert-selected funds
We know choice is important, but when you're just starting out or want to make simple decisions, too much can be overwhelming. That's why our experts have hand-selected 15 funds for you to choose from depending on the type of risk you're willing to take.
You can pick from 4 types: a money market fund, a bond fund, an equity funds fund and multi-asset portfolios. Learn more about each of the fund types here.
See all the funds available in FlexInvest.
If you need some help thinking about risk, why not read:
Mix and match to create your perfect portfolio
One of the advantages of funds is that each one is already a portfolio of investments made by professional investment managers, which is a good way to help manage risk.
You can invest in just a single fund or you can mix different types of funds to build a portfolio that suits your needs.
For example, creating a portfolio that mixes both bond funds and equity funds might help you create a more balanced investment strategy. Why not check out our article:
Automate your investing
It's hard to predict whether the price of a fund will go up or down, so one way to take the stress out of trying to time the market is to consistently invest each month and take advantage of something called dollar cost averaging.
When you get started with FlexInvest you can choose whether or not you want to make a lump sum investment or invest a fixed amount each month automatically. If you're trying to build a long-term investing strategy that takes advantage of the effects of compound returns, then creating an automated investing plan could help.
To get started, you'll need an investment account and a valid risk profile questionnaire. You can access both of these from within the HSBC HK Mobile Banking app.
If you don't have an HSBC account yet, you can open one easily, just by downloading the app1.
Still need help? Learn to Invest in 7 Days
If you want to learn about investing in more detail and the different options available, try our free 7-day email course that's great for beginners.
Your quickstart guide to get you going
How to build a portfolio with FlexInvest
Understanding risk tolerance
Can I buy investment products above my risk rating?
Types of funds
Fees and charges
We have worked hard to make sure we keep the fees you need to pay to a minimum and give you the flexibility to change your mind with no extra costs. Here is how it works.
|If your average holding balance is||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
|If your average holding balance is||Less than HKD10,000|
|Monthly platform fees||Free|
|If your average holding balance is||Between HKD10,000–200,000|
|Monthly platform fees||HKD28 per month|
|If your average holding balance is||More than HKD200,000|
|Monthly platform fees||
0.8% p.a. of your average holding balance