Understand investment risk and how to manage it | HSBC Expat

About investing risk

One of the benefits of being an expat is the opportunity to invest offshore, giving you access to potentially tax efficient products (depending on your circumstances) in a choice of currencies.

How you choose to invest your money will depend on your financial goals - and your attitude towards risk.

A lot of people put off financial planning because they think it's complicated. But if you break it down into steps, it's a simple process. To help you get started, we've highlighted the main things you need to consider at each stage.

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Things to consider

How much risk are you prepared to take?

The difference between cash savings and investments

Your risk profile



Please remember that the value of investments, and any income received from them can fall as well as rise, is not guaranteed and you may not get back the amount you invested. This could also happen as a result of changes in currency exchange rates, particularly where overseas securities are held or where investments are converted from one currency to another. We always recommend that any Investments held should be viewed as a medium to long-term investment, at least five years.

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