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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

Unit Trusts

Make your first investment or add a more hands-off type of investment to your portfolio. With HSBC, you can choose from a wide range of funds to match your attitude to risk and investment goals.

  • Diversify your portolio with asset allocation strategy via access to equity, multi-asset and fixed income funds under different sub asset classes from around the world

  • All funds are managed by professional fund managers who are ideally positioned to identify investment opportunities for you

  • Start investing in funds with an initial investment as low as HKD1,000

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Risk Disclosure/Disclaimers

  • This video is not intended to provide investment advice and does not constitute a solicitation for the making of any deposit or investment product.
  • The Hong Kong and Shanghai Banking Corporation Limited ( the "Bank") neither endorses nor is responsible for the accuracy or reliability of, and under no circumstances will the Bank be liable for any loss or damage caused by reliance on, any opinion, advice or statement made in this video.
  • The opinions expressed are those of the featured speakers, and except where a speaker is specifically identified as a representative of the Bank, do not represent the Bank's views. The opinions are subject to change without notice and should not be construed as a recommendation of any individual holdings or market sectors.
  • Investment involves risk, value of investment may move up or down, and may become valueless. The opinions expressed above may vary due to market factors and conditions without further notice. Past performance figures shown are not indicative of future performance. The information contained in this video has not been reviewed in the light of your personal financial circumstances. Reliance upon the information is at your sole discretion. You should carefully consider whether any investment products are appropriate in view of your investment experience, objectives, financial resources and relevant circumstances. The relevant product offering documents should be read for further details.
  • The investment decision is yours but you should not invest in any products 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.
  • This video has not been reviewed by the Securities and Futures Commission of Hong Kong or any regulatory authority in Hong Kong.

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Unit Trusts enable investors to diversify their investments into different markets and investment instruments such as equities, bonds, securities, currencies and warrants/derivatives. If you would like to enjoy the benefit of diversification with unit trusts investment, you can invest a lump sum amount or set up a monthly investment plan.

Lump sum investment: Diversify your portfolio with unit trust investment with as low as HKD10,000 in lump sum.

Unit Trust Monthly Investment Plan (UTMIP): Build your investment portfolio to realize your financial goals with as low as HKD1,000 monthly contribution

Investment method and Minimum investment for Lump sum and Unit Trust Monthly Investment Plan
Investment method Minimum investment
Lump sum From USD1,000/HKD10,000
Unit Trust Monthly Investment Plan No initial lump sum is required. Minimum monthly contribution per fund1 of HKD1,000

1Irregular lump sum contributions can be made from a minimum of USD1,000 or HKD10,000 per fund.

You can also invest with FundMax, a total wealth management solution.

FundMax

Build and manage your financial health wisely via an unique pricing structure with a single monthly fee.

Access to comprehensive fund information for systematic fund analysis via Fund Express.

Fund Express

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

HSBC Managed Solutions 2

Invest with HSBC Managed Solutions 2 to achieve specific goals and needs in mind.

2"HSBC Managed Solutions" is the abbreviated name of "HSBC Global Investment Funds - Managed Solutions".

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Unit trusts (or mutual funds) give investors the opportunity to diversify even a small investment in securities, bonds, currencies and commodities in markets around the world. This is achieved by combining the resources of many investors into one large fund which can be spread over a number of different investments and over a wide geographical area. This range of investments is called a portfolio.

Unit trusts have a number of benefits:

  • Spreading the risk. You spread your investment across a diverse portfolio. This is usually safer than investing in a single share. Of course, levels of risk and return also vary among different funds.
  • Professional management. Fund managers spend their working lives researching and managing investments. It would be very difficult for an individual to have an in-depth knowledge of markets around the world. With a unit trust, their expertise is working for you.
  • Access to worldwide markets. Your money can be invested in overseas markets, which may not be easily accessible by individuals.
  • Economies of scale. With a large number of investors contributing to a single fund, operating costs and commissions can be amortised. Individual investors thus pay lower fees.
  • Liquidity. You can buy and sell unit trusts on any dealing day (except on public holidays in the countries to which your fund is linked). Your money need not be tied up for a specific period of time.

Some unit trust products are linked to the index options listed on the various stock exchanges or sometimes to currency options. They can be slightly riskier than more diverse funds.

You don't need to make a large lump sum investment. We can also offer you a monthly investment plan where no initial lump sum is required and the monthly contribution is as low as HKD1,000.

HSBC offers wide range of unit trusts under 3 major asset categories, namely Equity funds, Balanced or Multi-assets funds and Fixed Income funds. Individual funds investing in different regions, has different investment strategies and investment objectives to better serve our customer's wealth needs against his/her risk appetite.

In general, investors are exposed to following risks in investing in unit trusts and investors should refer to the individual product offering document for further details and risks involved.

  • Investment Risk - Unit Trusts are NOT equivalent to time deposits. They are investment products and some may involve derivatives. Investment involves risks. Past performance is no guide to future performance of the funds. Value of the investments can fluctuate and is not guaranteed.
  • Credit risk - For funds investing in bonds, bonds are subject to the risk of the issuer defaulting on its obligations. It should also be noted that credit ratings assigned by credit rating agencies do not guarantee the creditworthiness of the issuer.
  • Liquidity risk - There is a risk that investments made by a unit trust may become less liquid in response to unfavourable market developments or market sentiment.
  • Currency risk - If the fund's assets and income are denominated in currencies other than the base currency of the fund, currency movement may affect the value of the fund's share price.

You can place your subscription and redemption orders via HSBC Personal Internet Banking. If you already have an HSBC Investment Services/Securities account, you can simply log on and execute your orders with us. We also offer Unit Trusts Investment Services through our branches. To open an Investment Services/Securities account, simply visit www.hsbc.com.hk any time or visit any HSBC branch in Hong Kong.

Disclaimer Select to Expand Select to Collapse

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