Top of the content

HSBC FlexInvest

Our easiest way to invest with as little as HKD100, with lots of rewards waiting for you. No trading fees, starting from zero monthly charge1.

Earn up to HKD600 in PayMe vouchers with FlexInvest

Investment involves risks. T&Cs apply. Vouchers will be credited within 60 days after the end of the Promotional Period.

How to join FlexInvest and earn a HKD100 PayMe voucher

Step 1

Log on to the HSBC HK Mobile Banking App  > Select 'Investment' > Select 'FlexInvest'

Step 2

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

How to tell your friends about FlexInvest and earn PayMe vouchers

Make a small PayMe transfer and earn a HKD100 PayMe voucher for every friend who uses FlexInvest for the first time, with up to HKD500 up for grabs. Share more, earn more:

Step 1: Use #StayFlex when you pay a friend

All you have to do is write #StayFlex as your payment message.

The screen displays are for reference and illustration purposes only.

Step 2: Share this offer with them

"Here's a simple way to invest with just HKD100, starting with zero fees, and earn up to HKD600 PayMe vouchers at the same time: www.hsbc.com.hk/stayflex"

Step 3: Stay tuned for your reward

When your friend has made their first investment, we'll let you know through SMS. Your HKD100 PayMe voucher will be directly sent to your PayMe wallet after the promotion period!1

Why choose FlexInvest

We make it easy to diversify in all assets and markets, by covering a wide range of companies, sectors and regions, and for as little as HKD100, you can invest and buy or sell our funds starting with zero monthly fees.

The readymade options

Not sure where to start? You can buy an entire portfolio using our multi-asset funds that cover assets across the world.

There are 5 to choose from with different risk levels to match your investment style.

Prefer to pick where to invest but not be overwhelmed with choices?

We offer 10 individual funds, each aiming to replicate an entire index and its composition – for example Hang Seng Index or S&P 500. You can rebalance your mix over time by buying and selling with no charges.

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

Note

The screen displays are for reference and illustration purposes only.

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.

1. Offer details:

HKD100 PayMe Voucher for the first 4,000 new FlexInvest users “Reward 1”

  • Reward 1 is applicable to the Eligible Customers who have not previously invested through FlexInvest during 1 January 2022 to 31 October 2022 or hold any funds with FlexInvest, and who make a subscription order through FlexInvest during the Promotional Period (“Eligible Transaction”). The order or contribution must successfully be settled or executed in full within the Promotional Period.
  • Subject to these terms and conditions, Eligible Customers will be entitled to receive one Voucher of HKD100 provided that:
    1. The Voucher falls within the quota of 4,000 to be given away during the Campaign on a first- come- first- served basis.
    2. The Eligible Customer continues to hold at least one fund unit in FlexInvest when the Voucher is issued, which will be within 60 days of the end of the Promotion Period.

HKD100 PayMe Vouchers for telling friends and family about FlexInvest “Reward 2”

  • Reward 2 is applicable to Eligible Customers who tell (“Referrer”) a friend or family member about FlexInvest (“Referee”), provided that the Referee:
    1. is also an Eligible Customer;
    2. has not invested through FlexInvest during 1 January 2022 to 31 October 2022;
    3. does not hold any funds with FlexInvest;
    4. makes a subscription order through FlexInvest during the Promotional Period. The order or contribution must successfully be settled or executed in full during the Promotional Period.
  • For the avoidance of doubt, a Referrer does not need to conduct an Eligible Transaction to make a referral and receive a HKD100 Voucher for the referral. Referrers and Referees must however both be Eligible Customers.
  • Subject to these terms and conditions, Referrers will be entitled to receive a Voucher of HKD100 for each successful referral with a maximum cap of five Vouchers per Eligible Customer, provided that:
    1. Each Referee continues to hold at least one fund unit in FlexInvest when the Voucher is issued, which will be within 60 days of the end of the Promotion Period.
    2. The Voucher falls within the quota of 10,000 to be given away during the Campaign on a first-come- first- served basis.
  • The maximum Voucher entitlement any one Eligible Customer can receive under this Promotions is HKD600.
  • A Referrer must not hold themselves out as an employee or agent of HSBC, and must not have any involvement with a Referee’s FlexInvest account after the initial referral, including:
    1. helping set up the Referee’s FlexInvest account;
    2. training the Referee to use FlexInvest;
    3. soliciting or placing orders or having any other ongoing involvement in the Referee’s FlexInvest account;
    4. acting as a point of contact between HSBC and the Referee;
    5. distributing advertising or marketing materials about FlexInvest.