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Horizons - Your Investment Bulletin

A quick yet comprehensive monthly overview of the investment market and relevant products for reference

Money has a tendency to lose its value over time because the price of goods and services has an upward tendency. This is called inflation. Here are some factors that could eat away your money:

  • Inflation. Simply, inflation occurs when the price of goods and services rises. And when prices rise, people will ask for a rise in salary. That's why the money you earn today will be worth less 10 years from now.
  • Interest rate fluctuations. A drop in interest rates means a smaller return on your deposits, and if the interest rate is lower than the rate of inflation, your savings lose value. But for some investments, such as equities and bonds, the value of your investment may rise because of the drop in interest rates.

Therefore it is crucial that you have a financial plan to protect your future and to put your money where it generates reasonable returns to meet your needs.

The sooner you start, the better. The example below shows the difference in accumulative savings between Mr. Early and Mr. Late, who start saving at different times.

Mr. Early saves for 10 years and then stops. Mr. Late starts 10 years later and also saves for 10 years. But Mr. Early gets 63% more than Mr. Late (based upon 5% annual growth, not taking into account annual inflation).

Accumulative Savings Table
Year Savings Accumulation Savings Accumulation
1 1,000 1,050 0 0
2 1,000 2,153 0 0
3 1,000 3,310 0 0
4 1,000 4,526 0 0
5 1,000 5,802 0 0
6 1,000 7,142 0 0
7 1,000 8,549 0 0
8 1,000 10,027 0 0
9 1,000 11,578 0 0
10 1,000 13,207 0 0
11 0 13,867 1,000 1,050
12 0 14,560 1,000 2,153
13 0 15,289 1,000 3,310
14 0 16,053 1,000 4,526
15 0 16,856 1,000 5,802
16 0 17,698 1,000 7,142
17 0 18,583 1,000 8,549
18 0 19,512 1,000 10,027
19 0 20,488 1,000 11,578
20 0 21,512 1,000 13,207

You can choose from a range of different financial tools:

Traditionally, savings or time deposits are the safest place to put your money, but often offer lower rates of interest. Investment products usually offer potentially higher returns but with a greater risk.

You can open an investment account online in most circumstances. You must maintain a personal banking account with HSBC before you can open an investment account online.

Alternatively you can also open an investment account at our branches. If you wish to open a joint account, you can only do so at our branches.

Opening an investment account does not incur any fees. However, there may be other account fees applicable depending on the nature of the account and the products held in the account. Besides, there may be transaction fees involved when you buy or sell investment products. Please consult our staff should you have any queries.

Financial Product is a term defined in the Code of Conduct for Persons Licensed by or Registered with the Securities and Futures Commission. The products currently made available by our Retail Banking and Wealth Management business to personal customers are classified as follows:

Accumulative Savings Table
Financial Products Not Financial Products
Stocks, Warrants, Bonds, Unit Trusts, Equity-linked Investment and Structured Notes Insurance products, Certificate of Deposit (CD), Deposit Plus, Capital Protection Investment (CPI), Wayfoong Statement Gold, Margin FX and Foreign Exchange Services

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Important Infomration

Notice of Changes on Terms and Conditions, effective 15 Oct 2014

With effect from 15 October 2014, the bank will amend a list of Terms and Conditions to reflect a globally consistent approach to sharing customer information and clarify customer obligations. Please refer to the Notice of Changes on Integrated Account Terms and Conditions, General Terms and Conditions and Super Ease Terms and Conditions for details.

Pre-Investment Cooling Off Period

Effective from 1 Jan 2011, a Pre-Investment Cooling Off Period arrangement is required for non-listed derivative product purchases to enhance investor protection to ensure that customers have sufficient time to consider the non-listed derivative product purchase. Click here for details.

New Investment Services Account Terms and Conditions ("T&Cs")

New Section XI T&Cs covering all investment services provided under the Investment Services Account will be effective upon the earlier of your signing up for the U.S. Stock Trading Service or on 30 November 2010 if you continue maintaining an investment account with HSBC.

Updated Product Risk Rating

To keep you updated on the recent risk rating changes of investment products - Unit Trusts, Structured Products, Bonds/Certificates of Deposit

Potential Tax Obligation from Investing in Overseas Products

Investors are reminded to seek tax advice and learn about the potential tax obligations, such as estate duty and dividend withholding tax, that might arise from investing in overseas products.


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.