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Unit Trust Monthly Plans | Investments | HSBC HK
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  • 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.

Additional risks are disclosed in the section of "Risk Disclosure" below. View details

Invest in Unit Trust Monthly Investment Plan

Wedding ? Travel 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.

How to invest

HSBC Personal Internet Users

Set up Unit Trusts Monthly Investment Plan


Not yet a HSBC Personal Internet Banking User

Register for HSBC Personal Internet Banking


Need help?

Call (852) 2233 3733(852) 2233 3733

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

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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

UTMIP Target Setting Plan illustration


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.

Click here to experience the convenience of Fund Express. Demo video

Click here to view Demo on Unit Trust Monthly Investment Plan

Manage your Unit Trust portfolio through multiple channels

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  • 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 and Charges Table
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

Remarks:

1The 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".

2The 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.

3Switching 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.

4Please 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.

5For 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.

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


More ways to invest

FundMax

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

HSBC Managed Solutions

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.

Fund Express

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

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 can start up a unit trust for the price of a dinner for two, and you can make a monthly minimum contribution of as little as HKD1,000.

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 UTMIP Fees & Charges

  • Other promotional offers on Unit Trust Monthly Investment Plan 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.
  • The Bank reserves the right to change these Terms and Conditions at any time with reasonable notice and the preferential initial charge offer set out above 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.

Risk disclosure

  • The value of investments and the income from them can fluctuate and is not guaranteed. Investor may not get back the amount they invest.
  • Funds which are invested in certain markets and companies (e.g. emerging, commodity markets and smaller companies, etc) may also involve a higher degree of risk and are usually more sensitive to price movements.
  • Investment returns not denominated in home currency are exposed to exchange rate fluctuations. Rates of exchange may cause the value of investments to go up or down.
  • This document has not been reviewed by the Securities and Futures Commission.

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.


Issued by the Hongkong and Shanghai Banking Corporation Limited