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Unit Trust Monthly Investment Plan (UTMIP)

Build your investment portfolio and realize your financial goals through UTMIP
  • 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

Invest in Unit Trust Monthly Investment Plan

Wedding? Travelling around the world?

Start now to realize your dreams with HSBC's unique target monthly investment savings plan.

Everyone has a dream!

HSBC offers a target monthly investment plan that is unique in the market as we serve you with your needs in mind. Through monthly investing, you can achieve your goal without having to tie up a big portion of your savings upfront and avoid emotional purchase and sales which saves you the hassles in timing the market.

No matter your plan is for your children education or travel, you should have in mind how long you are going to save for your plan or how much you want to accumulate to achieve your goal. With HSBC unique services, your saving plans come easy.

Why Unit Trust Monthly Investment Plan?

  • Keep track of your investment plan

    HSBC offers a target monthly investment plan to serve you with your needs in mind. To help you keep track of your investment, we offer SMS notification upon reaching your target.
  • Achieve your goal

    Through monthly investing, you can achieve your goal without having to tie up a big portion of your savings upfront and avoid emotional purchase and sales which saves you the hassles in timing the market.
  • Start investing with as low as HKD1,000

    You can start your Unit Trusts investment to diverify your portfolio with as low as HKD1,000 monthly contribution.

How to start investing in UTMIP?

4 Steps to start building your investment portfolio and realize your goals

Step 1: Set objectives

Estimate the amount you need to save in order to achieve your goals, e.g. or children education or retirement.

Step 2: How much you can afford

Consider your budget and pace of saving to decide your monthly contribution amount which can be as low as just HKD1,000 per month.

Step 3: Target setting

Our unique target setting plan offers you the option to pre-set:

Your investment time frame OR the target market value you want to accumulate from the investment plan.

 

Once your target is reached, we will do the rest for you according to your perference:

notifying you via SMS OR automatically terminate the investment plan for you

Step 4: Choose fund

Select appropriate unit trusts according to your risk appetite and needs. The minimum monthly contribution is HKD1,000 per fund.

You can access to comprehensive fund information for systematic fund analysis via Fund Express to facilitate you to make investment decision.

Manage your Unit Trust portfolio through multiple channels

  • HSBC Personal Internet Banking: Buy, sell and switching transactions, set up Monthly Investment Plans and unit trust investment performance monitoring all at the touch of a button
  • Phone banking: Sell transactions only at your convenience
  • Branch Network: Speak to one of HSBC's investment professionals, and let them help you to capture the latest investment opportunities according to your individual needs

 

How much does it cost?1

Service
Charges
Unit Trust Monthly Investment Plan Preferential Initial Charge Offer2
Bond Funds: 2%
Non-Bond Funds: 3%

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 HK$100 per fund transferred
Termination of Unit Trust Monthly Investment Plan within 1st year5
HK$80 per plan

How much does it cost?1

Service
Unit Trust Monthly Investment Plan Preferential Initial Charge Offer2
Charges
Bond Funds: 2%
Non-Bond Funds: 3%

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 HK$100 per fund transferred
Service
Termination of Unit Trust Monthly Investment Plan within 1st year5
Charges
HK$80 per plan

Remarks:

1 The Unit Trusts service charges are applicable to HSBC Premier, HSBC Advance and Personal Integrated Account customers and general unit trusts account customers with account number ending with "383".

2 The 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.

3 Switching 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.

4 Please 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.

5 For termination of a Plan within first year of set-up, an administration fee of HKD80 will apply and will be charged against your default settlement account when your termination instruction is processed. This administration fee does not apply to a Plan with (i) target number of months specified as 12 or less and is opted to terminate automatically within the first year of set-up; (ii) target market value specified and is opted to terminate automatically after such target market value is reached which occurs within the first year of set-up. However, if you have opted and received the SMS notification from the Bank upon your specified target is reached and you subsequently made the termination instruction via any HSBC branch or phonebanking within the first year of set-up of the Plan, the administration fee will still apply.

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

Additional Information

Minimum Investment Requirements

For a monthly investment plan, you can start investing with a minimum monthly contribution of HKD1,000 per fund6, and no initial contribution is required.

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

More ways to invest

A total wealth management solution to help you build and manage your financial health wisely via an unique unit trusts pricing model

Investment solutions designed with customers' specific goals and needs in mind

Personal Internet Users can access to comprehensive fund information for systematic fund analysis via Fund Express to facilitate you to make investment decision.

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

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 then 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