Get support from experts in investing
We understand how hard expats work for their money, and the sacrifices they and their families have to make. That's why our qualified Wealth Managers - many of them expats themselves - will be there to help you make the most of your finances, every step of the way.1
To benefit from our investment services, you'll need to open an HSBC Expat bank account.
Not sure where to start? Explore more about our wealth management services.
Why invest with us?
A range of investment products
- if you are looking for advice our large global research team determines the best funds available for our advisors to recommend to you1
- if you know what you want use our International Investment Centre to explore a range of global investment opportunities at your preferred level of risk, in sterling, US dollars or euro
- invest in portfolios, individual funds, shares or discretionary investment management
- choose from hundreds of funds from HSBC and a range of other fund managers
Bank the way you want, in one place
- our award-winning expat banking service has won the 'Expat Banking and Financial Services of the Year' award for 7 years (2012-2019) at the EMEA Expatriate Management & Mobility Awards, run by the Forum for Expatriate Management (FEM)
- with an HSBC Expat bank account, you can keep your money in one place - no matter how many times you move
- open multi-currency bank accounts and savings accounts in up to 19 currencies
- manage your foreign exchange needs with our range of FX services
- access lending services including mortgages and credit cards
It's easy to get started
- start investing from as little as GBP/USD/EUR 100 a month without advice or GBP 250 / USD 350 / EUR 300 with advice with our regular investment options
- get a free, no-obligation financial review1
- call your Wealth Manager whenever you want to discuss your investment portfolio1
Manage your investments online
- view all of your investments in one place and invest online with our International Investment Centre
- use our wealth calculators to help you reach your savings goals
- get free investment insights and FX market updates from our Wealth insights hub
Bank in an offshore jurisdiction
- manage your investments in one of the world's leading and best-regulated international finance centres, as recognised by the Organisation for Economic Cooperation and Development (OECD)
- Jersey has no capital gains, capital transfer or wealth taxes and has signed more than 60 agreements with jurisdictions worldwide
Our investment services
Whether you're looking for advice on financial planning, or just need investment or protection advice, we're here to help.
Our advisory services
- Goal-based planning - Need advice across key financial planning need areas? We'll discuss your circumstances, preferences and goals in detail before making recommendations to help you meet your goals.
- Investment-only advice - If you only need advice on investing cash funds, we'll work to understand your goals, needs and preferences before making recommendations. But we won't review your existing investments or other financial planning needs.
- Protection-only advice - Find out how you can protect yourself and your family should the unexpected happen. We'll assess your needs before making recommendations, but we won't review your wider financial planning needs.
Our execution-only service
If you're ready to get started without advice, you can give a specific instruction to invest in a product available through HSBC. You won't get any advice on investments and we won't review the investment product to see if it's right for you.
| Financial need | Goal-based planning | Investment-only advice | Protection-only advice | Execution only |
|---|---|---|---|---|
| Protecting you and your family | Yes | No | Yes | No |
| Your children's future and education | Yes | No | No | No |
| Managing and growing your wealth | Yes | Yes2 | No | No |
| Planning for your retirement | Yes | No | No | No |
| Passing on your wealth | Yes | No | No | No |
| Review your whole portfolio | Yes3 | No | No | No |
| Self directed investment | No | No | No | Yes4 |
| Financial need | Protecting you and your family |
|---|---|
| Goal-based planning | Yes |
| Investment-only advice | No |
| Protection-only advice | Yes |
| Execution only | No |
| Financial need | Your children's future and education |
| Goal-based planning | Yes |
| Investment-only advice | No |
| Protection-only advice | No |
| Execution only | No |
| Financial need | Managing and growing your wealth |
| Goal-based planning | Yes |
| Investment-only advice | Yes2 |
| Protection-only advice | No |
| Execution only | No |
| Financial need | Planning for your retirement |
| Goal-based planning | Yes |
| Investment-only advice | No |
| Protection-only advice | No |
| Execution only | No |
| Financial need | Passing on your wealth |
| Goal-based planning | Yes |
| Investment-only advice | No |
| Protection-only advice | No |
| Execution only | No |
| Financial need | Review your whole portfolio |
| Goal-based planning | Yes3 |
| Investment-only advice | No |
| Protection-only advice | No |
| Execution only | No |
| Financial need | Self directed investment |
| Goal-based planning | No |
| Investment-only advice | No |
| Protection-only advice | No |
| Execution only | Yes4 |
| Type of service | Investment value | Fee |
|---|---|---|
| Goal based/advised | GBP 25,000 to 499,9995 | 3% advice and implementation fee6 |
| Goal based/advised | GBP 500,000 and above5 | 1.5% advice and implementation fee7 |
| Goal based/advised | Regular contributions up to GBP 1,670 per month | GBP 595 / EUR 650 or USD 750 fixed fee |
| Goal based/advised | Regular contributions over GBP 1,670 per month | 3% of total contributions to be invested in the first 12 months8 |
| Execution-only | Lump sum investments from GBP/USD/EUR 1000, or regular investments from GBP/USD/EUR 100 per month | 1% of the value of the investment9 |
| Type of service | Goal based/advised |
|---|---|
| Investment value | GBP 25,000 to 499,9995 |
| Fee | 3% advice and implementation fee6 |
| Type of service | Goal based/advised |
| Investment value | GBP 500,000 and above5 |
| Fee | 1.5% advice and implementation fee7 |
| Type of service | Goal based/advised |
| Investment value | Regular contributions up to GBP 1,670 per month |
| Fee | GBP 595 / EUR 650 or USD 750 fixed fee |
| Type of service | Goal based/advised |
| Investment value | Regular contributions over GBP 1,670 per month |
| Fee | 3% of total contributions to be invested in the first 12 months8 |
| Type of service | Execution-only |
| Investment value | Lump sum investments from GBP/USD/EUR 1000, or regular investments from GBP/USD/EUR 100 per month |
| Fee | 1% of the value of the investment9 |
1Not applicable to HSBC Advance customers
2Restricted to advice on cash funds.
3We only review investments sold by or transferred to HSBC Expat.
4Investments are done solely on an Execution Only basis with no advice given.
5Or currency equivalent calculated at HSBC Expat foreign exchange rates.
6Or a 2% advice and implementation fee for any fixed income funds implemented.
7Or a 1% advice and implementation fee for any fixed income funds implemented.
8Or 2% of total contributions to be invested in first 12 months into any fixed income funds.
9Applies to lump sum purchases and each monthly contribution when setting up regular savings and/or a new fund purchase involved when selling and repurchasing
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.
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