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Financial planning

Effective wealth management means finding the ideal investment solutions for you. Our financial planning service offers investment support to help you on your way.

Planning your financial future to achieve success

The way you manage your money now could have a big impact on your future. Through our financial planning service, we'll discuss where you'd like to be in 5, 10, or even 50 years time.

Whether you're looking for a comfortable retirement, to secure the best start in life for your children, or simply want to make the most of your disposable income, we could help you make financial decisions that suit your current needs and future aspirations.

Why invest with us?

International wealth expertise

Our fully qualified Wealth Managers can advise and help you make financial decisions that suit your current needs and future aspirations.

Comprehensive financial review

Receive a comprehensive review of your money with a wealth adviser to help you to achieve your goals and make the most of your finances.

Continued support

With your Wealth Manager you can discuss how your investments are performing, or review your balances online through our International Investment Centre.

How it works

What happens during a financial review.

1. Get to know you

Considering the complete picture, we'll discuss everything from your current savings and investments, to financial goals and plans for the future which helps us recommend the right solutions for you.

2. Discuss your financial plan

We'll discuss your proposals, and make recommendations after we've assessed your needs on limited products from particular companies, capturing protection and investment solutions. Any investment recommendations will reflect the level of risk you're prepared to take to achieve your financial goals.

3. Take action

We'll send our recommendations in writing, with details of their costs, and arrange a follow up meeting to discuss the content, answering any further questions you may have. If you're happy to go ahead, your Wealth Manager will put your agreed plan into action.

4. Finalise documents digitally

Our online e-signature tool allows you to complete and return documents online, without needing to print and scan them. This service is not currently available in Hong Kong.

Nominee service

Your investments will be held by Nominee, an administration service that streamlines the buying and selling of your investments. It's not an asset management service.[@financial-planning-disclaimer]

With Nominee you can:

  • apply for investments and transfer assets with minimal paperwork
  • instruct to buy or sell funds via your Wealth Manager or online using our International Investment Centre
  • maintain a single point of contact for your investment transactions
  • consolidate your mutual fund investments for a portfolio view
  • view the value of your portfolio in our International Investment Centre

Some investments are excluded, such as stock market traded shares or funds, bank deposits and some collective investment schemes. Applications to transfer current or future investments into the service will be evaluated on an individual basis. 

Things to know

Who can apply?

You can book a financial review with one of our Wealth Managers if you have an HSBC Expat Premier Bank Account and can invest either:

  • GBP 25,000 / USD 35,000 / EUR 25,000 or more as a lump sum
  • GBP 250 / USD 350 / EUR 300 or more each month

We may offer a review depending on your country or region of residence, and location.

Book a financial review

Already with Expat?

Set up an appointment with one of our Wealth Managers.

We'll advise and make recommendations for you after we have assessed your needs. The information and services you receive may be limited by your location.

New to Expat?

You can apply once you have opened an HSBC Expat Bank Account with us.

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Additional information

    Remember, the value of investments is not guaranteed - you may not get back the amount you invested, and any income received from them can fall as well as rise. This could also result from 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 should be considered as medium to long-term holdings of least 5 years.

    Economies in emerging markets generally are heavily dependent upon international trade and, accordingly, have been and may continue to be affected adversely by trade barriers, exchange controls, managed adjustments in relative currency values and other protectionist measures imposed or negotiated by the countries with which they trade.

    Listening to what you have to say about services matters to us. It's easy to share your ideas, stay informed and join the conversation.