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Pick the right path for your investment journey

Everyone's different, and there's a choice of ways to invest with us depending on your goals, circumstances and experience. Learn more about getting financial advice, or using our mobile investments platform to plot your own path.

Investing with or without advice

Invest with advice

Investing with our Wealth Managers through our financial planning service is perfect if you're new to investing. It may also be helpful if you're more experienced, but want us to find investments tailored to your goals.

Minimum investment: GBP / EUR 25,000 or USD 35,000 lump sum

Full review of your finances - Get an in-depth assessment of your needs based on your circumstances, preferences and ambitions
Goal-based advice - We can give you recommendations for every stage of life. Secure your retirement, save for education or just protect and grow your wealth
Chosen by us, tailored to you - If you don't have time to choose your own investments we'll do it for you. If your goals change, we can recommend something new
Global knowledge - Use our international reach and expertise to navigate multiple markets and fluctuating currencies

Choose your own investments

If you have a smaller amount to get started with, or just want to be more involved, you can invest without one-to-one advice in our online investment centre.

Minimum investment: GBP / USD / EUR 100 monthly or as a lump sum

Invest online in minutes - Use our research tools to select funds that match your goals, then invest online the same day
Wide range of funds - Explore a variety of mutual funds from HSBC and other well-known providers. Choose a ready-made portfolio or select from equity, fixed-income and ESG funds
Manage on the move - Make new investments or manage your portfolio anytime, anywhere in the HSBC Expat Mobile Banking app

Why invest with HSBC Expat?

Cross-border wealth expertise

Our wealth managers know expats because most of them are expats. Invest with advice and they can give you tailored solutions for every stage of life.
Easy online investing

Do-it-yourself with ready-made portfolios, shares or single asset class funds in a range of currencies.

Spread your risk and increase your potential

Diversify your portfolio with funds from a range of providers, geographies and sectors.
Everything in one place

See your investments, bank account and more, all together in our mobile app.

Ready to start investing?

To use our investment services, you'll need an HSBC Expat Bank Account. Find out more about our multicurrency account, here.

If you've already got an account you can start your investment journey today. Choose between investing with advice or managing your own wealth.

Get financial advice

Need a helping hand? Our experts can help you find the right investment solutions to match your goals.

Book a wealth review This link will open in a new window

Invest online today

Whether you're a seasoned investor or just starting out, you can buy, sell and explore investments in our International Investment Centre. Available in the app 24/7.

Frequently asked questions

If you're new to investing, you'll probably find it helpful to discuss your ambitions and expectations with a financial advisor. This could also be beneficial if your goals have evolved or you are experiencing a big life change. A financial advisor could recommend approaches for passing on wealth, planning for retirement, investing an inheritance or building towards a future life goal.

There are many different ways to invest, and a financial adviser can help you find the best ones for you. Knowing your current wealth, risk appetite and future plans, they can recommend the options that are most likely to help you achieve your specific goals.

Before you start investing, make sure you have an emergency fund set aside that would cover 3 to 6 months of essential living costs.

You'll then want to consider:

How much you have to invest
Whether you want to invest a lump sum, or smaller ongoing payments
What your wealth and broader life goals are
How much say you want over the funds in your portfolio
Whether you'd prefer a bold (and higher-risk) strategy or a more cautious approach
How you'd like to manage and monitor your investments once you've made them

If you'd like to discuss these points and receive investment recommendations, making an appointment with a financial adviser could be a good first step. You normally need to invest a minimum amount to use this service. You can also get started immediately using an online investment platform like our International Investment Centre.

Find out more about How to Start Investing

For goal-based financial advice on your investments, we charge the following fees:

3% advice & implementation fee for portfolios between GBP 25,000 and GBP 499,999 (or currency equivalent)
1.5% advice & implementation fee for portfolios GBP 500,000 and above
A fixed fee (e.g. GBP 595 / EUR 650 / USD 750) for regular contributions up to GBP 1,670 per month. For regular contributions over that amount: 3% of total contributions in the first 12 months

Investing for beginners

Choosing to invest for the first time can be confusing. This article covers the basics.

Your financial action plan

Looking to build a better financial future abroad? Discover our plan to help you get there.

Saving and investing for expats

What's the best way to put money aside to fulfill your relocation dreams?

Active vs passive funds

Discover the difference between active and passive funds and which might best suit your circumstances.

Additional information

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.

Any investment made with us in Jersey is not protected by any compensation scheme in Jersey or any other place.

Issued by HSBC Expat which is a division of HSBC Bank plc, Jersey Branch: HSBC House, Esplanade, St. Helier, Jersey, JE1 1HS. HSBC Bank plc, Jersey Branch is regulated by the Jersey Financial Services Commission. HSBC Bank plc is registered and incorporated in England and Wales with limited liability, number 14259. Registered office 8 Canada Square, London, E14 5HQ. HSBC Bank plc, Hong Kong Branch, is licensed by the Hong Kong Monetary Authority as an authorised institution and registered with the Securities and Futures Commission to conduct Type 1 (dealing in securities) and Type 4 (advising on securities) regulated activities under the Securities and Futures Ordinance (central entity number: AFJ824).

Ways to invest with HSBC Expat

Pick the right path for your investment journey

Investing with or without advice

Invest with advice

Choose your own investments

Why invest with HSBC Expat?

Ready to start investing?

Get financial advice

Invest online today

Frequently asked questions

When should I consider getting investment advice?

Why should I get advice before investing?

How do I start investing?

How much does a financial adviser cost?

You might be interested in

Investing for beginners

Your financial action plan

Saving and investing for expats

Active vs passive funds

Additional information

Disclaimers

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