HSBC Investment platform guide

1. Log on to HSBC HK Mobile Banking and open the 'Investment' tab.
2. Choose 'Check my eligibility' to see if you can open an account.
3. Review your details and choose a settlement account to fund your investments.
4. Submit a valid proof of address, and a consent form (only required if you work at a financial institution and are an SFC regulated customer).
5. Take our short questionnaire to determine your financial knowledge.
6. Review our terms and conditions then submit your application.

Different people have different attitudes towards investment. Some are not willing to take any risks or withstand losses, and therefore would rather forgo potentially higher returns. Some are willing to take some risks but tend to avoid huge volatility. Others are willing to take risks in exchange for returns that outperform the markets.

At HSBC we use six levels of risk tolerance: Secure, Very Cautious, Cautious, Balanced, Adventurous, and Speculative. All our investment products, except individual stocks, display a risk rating that shows you whether that product matches your risk tolerance.

• On the HSBC HK Mobile Banking App: Select 'Investment', scroll down to 'Products and services' and select ‘Risk profile questionnaire’ to get started.
• On HSBC Online Banking: Scroll to the bottom of the page. On the footer, under ‘Investment’, click ‘Risk profiling questionnaire’.

• Your investing time-horizon can be a factor in determining how much risk you can take on. For example, if you're young, you can probably tolerate greater risk than someone who is older and nearing retirement, or if you were investing for the near term.
• Your total net worth can be a factor too. If you have a larger disposable income, for instance, you may be able to financially withstand greater losses.
• Your risk rating is a guidance based on what you tell us. It is possible to invest in products above and below your risk rating, but you have to make that decision yourself.

Forecast your future finances so you can better plan ahead with confidence and ease - all with just one tool. 

See financial projections for your whole life across every stage and goal - from managing your wealth, buying a home or funding your children's education, to providing for your protection needs and retirement.

Investment involves risk. The value of investments can fluctuate.

HSBC Jade: 2233 3033

HSBC Premier: 2233 3322

HSBC One: 2233 3000

Jade and Premier customers can also contact their Jade Director or Relationship Manager directly.

1. Select 'Investment', and then 'Future Planner' under 'Products and Services' to get started
2. If this is your first time using Future Planner, follow the step-by-step walkthrough at the beginning to update your profile
3. Or, from the main menu of Future Planner, tap 'Edit details' next to 'Financial Profile'

Reference portfolios are indicators you can use to achieve an asset mix that matches your overall risk and return characteristics. You will be assigned one that corresponds with your current risk rating to refer to when distributing assets in your portfolio.

We refresh our reference portfolios every quarter, using a combination of several factors including the historical as well as the expected volatility and return of each asset class given the current investment outlook.

• On the HSBC HK Mobile Banking App: Select 'Investment', then click on 'show me' under either 'Shock your portfolio' (for HSBC Jade) or 'Shock your Unit Trust holdings' (for HSBC Premier).
• On HSBC Online Banking: Go to ‘My portfolio’ under the ‘My investments’ tab, then select ‘Find out more' under either 'Shock your portfolio' (for HSBC Jade) or 'Shock your Unit Trust holdings'  (for HSBC Premier) on the right-hand side.

You can contact your dedicated Jade Relationship Director or Premier Relationship Manager through email or directly by phone. Alternatively:

• HSBC Jade: Use 'Chat with RM and team' on our Mobile Banking app to text or video chat with your HSBC Jade Director.
• HSBC Premier: Use 'Contact HSBC Premier' under 'Support' on our Mobile Banking app, or 'Contact your Relationship Manager' on our Online Banking at the bottom under 'Contact HSBC'.

Leave the decision of picking and choosing each individual product and asset class, and select pre-built portfolios that give you exposure to worldwide equities, fixed income, and money market funds.

1. Select 'Investment', and then ‘FlexInvest’ under ‘Products and Services’ to get started.
2. In the section 'What funds can I invest in?', choose ‘Multi-asset portfolios’ and explore the different options.
3. Be sure to familiarise yourself with the fund offering documents to know more details about each portfolio composition before investing.

It's important to save some cash in a savings account for emergencies. But adding bonds or certificates of deposits (CDs) to your portfolio may offer you a better return.

Let our improved Bond Screener help you explore new opportunities through featured selections, guided or advanced search. It's a simpler way to identify your next move, whether you're an experienced investor or you're new to bonds/CDs.

1. Discover bonds worth considering using our Bond Screener guided journey.
2. On HSBC Online Banking: Go to 'Bonds' / 'Certificates of Deposit' under 'My investments' tab and select 'Bond Screener' to get started.
3. On the HSBC HK Mobile Banking app: Select 'Investment', and then scroll down to 'Products and services'. Select 'Bonds & CDs'.

How to view your bonds portfolio

1. On HSBC Online Banking: Go to 'Bonds' / 'Certificates of Deposit' under 'My investments' tab.
   
2. On the HSBC HK Mobile Banking app: Go to 'My portfolio' under 'Investment' tab and select 'Bonds and Certificates'.

We offer more than 600 professionally managed unit trusts in various asset classes, regions, and industry sectors. It can be daunting to browse through them all, so we made it easy for you to curate and filter the ones that suit your needs.

• Guided search / advanced search: You can answer a few questions and we’ll shortlist funds that match your answers in the guided search. Alternatively, you can select various criteria such as asset class, geography, risk tolerance, and more through the advanced search.
• Fund ideas: You can browse the top performers, top selling, and latest funds on our shelf.

• On the HSBC HK Mobile Banking App: Select 'Investment', and then scroll down to 'Products and services'. Select 'Unit Trusts', then choose either option from the menu.
• On HSBC Online Banking: Go to 'Unit Trusts' under the 'My investments' tab, then select either option from the 'Discover funds' menu.
  

Looking to capitalise on your market views and select funds specific to your desired asset classes and regions? Our comprehensive view complete with past returns can help you navigate your journey.

On HSBC Online Banking: Go to 'Unit Trusts' under the 'My investments' tab, and view the list under 'Market'.

Finding the right fund can take time – you want to make sure they match your risk appetite and investment goals. Our comparative tool helps you weigh up the different types of unit trusts.

Select and compare up to five funds across three main criteria: performance, fees and charges, and risk return. You can then choose between various key indicators to guide your investment decisions.

On HSBC Online Banking and the HSBC HK Mobile Banking App:

1. Go to 'Unit Trusts' under the 'My investments' tab (online banking) or the 'Investment' tab (mobile banking).
2. Select 'Fund details' when browsing.
3. Tap '+ add to compare' on the fund details page.

Note: Use the '< back' button at the top to navigate between pages on the HSBC HK Mobile Banking App.

After your financial planning meeting with our front-line staff via video conference, you can review and confirm your order through online banking.

Step 1

Log on to HSBC Online Banking, go to 'My investment documents' under the 'My investments' tab.

Step 2

Review your order details; offering documents; product features and risk disclosures; fees and charges; suitability assessments; and relevant terms and conditions. Then confirm your order acknowledgement.

More detailed instructions

More detailed instructions

HSBC Jade and HSBC Premier customers have access to our Wealth Portfolio Intelligence Service, powered by BlackRock's Aladdin Wealth technology, where you can stress-test your unit trust holdings or full portfolio against market scenarios, and measure your overall risk exposure.

You can compare the impact of these scenarios and your portfolio risk against our reference portfolio, and consider rebalancing your holdings accordingly.

With Wealth Portfolio Intelligence Service, you’ll be able to review your holdings by:

• asset class (e.g. Global Equity, Asia Pacific Equity, Global High Yield).
• currency (for your investment products denominated in foreign currencies).
• equity sector (only available through HSBC Online Banking).

• On the HSBC HK Mobile Banking App: Select 'Investment', then click on 'show me' under either 'Shock your portfolio' (for HSBC Jade) or 'Shock your Unit Trust holdings' (for HSBC Premier).
• On HSBC Online Banking: Go to ‘My portfolio’ under the ‘My investments’ tab, then select ‘Find out more' under either 'Shock your portfolio' (for HSBC Jade) or 'Shock your Unit Trust holdings‘ (for HSBC Premier) on the right-hand side.
• If you prefer the personal touch: Contact your dedicated Jade Relationship Director or Premier Relationship Manager through email or directly by phone. Alternatively:

    1.HSBC Jade: Use 'Chat with RM and team' on our Mobile Banking app to text or video chat with your      HSBC Jade Director.

    2.HSBC Premier: Use 'Contact HSBC Premier' under 'Support' on our Mobile Banking app, or 'Contact      your Relationship Manager' on our Online Banking at the bottom under 'Contact HSBC'.

• If you want to view Singapore investment account on HSBC HK Mobile Banking App: tap on 'Global Investment View' under Investment > Products and services in your app when Global View is enabled on online banking.

The 'My portfolio' dashboard lets you:

• easily review your portfolio by products and your unrealised gain/loss in real-time for making informed investment decisions.
• understand your asset mix as a total share of all your holdings with handy charts.
• get insights into your portfolio’s total market value in HKD or denominated currencies (e.g. USD/RMB) or get the net asset value (NAV) of your unit trusts.

• On the HSBC HK Mobile Banking App: Select 'Investment', and explore a detailed view of your performance by tapping each product listed under 'My holdings'.
• On HSBC Online Banking: Go to 'My portfolio' under the 'My investments' tab, and select 'view details' to get more details on any unrealised gain/loss.

Wonder how other investors at HSBC are putting their money to work? In Online Banking you can view what our top-performing investors who have the same risk profile or hold the same investment products as yourself are invested in.

On HSBC Online Banking: Go to 'My portfolio' under the 'My investments' tab, and select 'Find out more' under the 'Investors like me' section.

1. Select 'Investment', and then 'Future Planner' under 'Products and Services' to get started
2. Tap 'Add a new goal' under 'My goals' to create a new one
3. Enter details such as the target amount of your goal and when you plan to reach it, and find out your achievability score based on your financial situation

Get tailored support from our professionals to improve your goal achievability with simulations to see how investment, insurance and pension products could help you achieve your future financial goals.

Investment involves risk. The value of investments can fluctuate.