Top of main content

Invest with HSBC Expat

Make HSBC Expat your home for saving and investing, wherever you call home.

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.

Why invest with us?

A range of investment products

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 a range of services, including our FX Expat app
  • 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 review
  • call your Wealth Manager whenever you want to discuss your investment portfolio

Manage your investments online

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.

Compare our services

Check out the table below to easily compare our investment advice services to help you decide which one is best 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 Yes1 No No
Planning for your retirement Yes No No No
Passing on your wealth Yes No No No
Review your whole portfolio Yes2 No No No
Self directed investment No No No Yes3

Compare our services

Check out the table below to easily compare our investment advice services to help you decide which one is best for you.

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 Yes1
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 Yes2
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 Yes3

How much does it cost?

The table below shows an overview of our fees. For more information, please contact us.

Type of service Investment value Fee
Goal based/advised GBP 25,000 to 499,9994 3% advice and implementation fee5
Goal based/advised GBP 500,000 and above4 1.5% advice and implementation fee6            
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 months7
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 investment8

How much does it cost?

The table below shows an overview of our fees. For more information, please contact us.

Type of service Goal based/advised
Investment value GBP 25,000 to 499,9994
Fee 3% advice and implementation fee5
Type of service Goal based/advised
Investment value GBP 500,000 and above4
Fee 1.5% advice and implementation fee6            
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 months7
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 investment8

1Restricted to advice on cash funds.

2We only review investments sold by or transferred to HSBC Expat.

3Investments are done solely on an Execution Only basis with no advice given.

4Or currency equivalent calculated at HSBC Expat foreign exchange rates.

5Or a 2% advice and implementation fee for any fixed income funds implemented.

6Or a 1% advice and implementation fee for any fixed income funds implemented.

7Or 2% of total contributions to be invested in first 12 months into any fixed income funds.

8Applies 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.

You might be interested in

 

Get financial advice tailored to your needs from our wealth managers.

 

Build your own portfolio of investment funds with our International Investment Centre.

 

Use our wealth calculators to help you set and achieve your financial goals.

 

Explore our guides and insights to help you get more from your money, and improve your financial knowledge of savings, investments and forex options.

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.