Wealth Management

Manage and grow your wealth

Take the first step to reaching your goals

Whether it's a dream car, a second home or a fuller pension fund, we can help you match your goals with the right investment.

Our Wealth Portfolio Intelligence Service offers professional expertise to help you build and maintain the ideal investment portfolio while managing risks as you capture global opportunities. Find out more.

Plan for retirement

Start preparing at an early stage to achieve financial independence.

Enjoy the comfortable retirement you’ve always dreamed of. Whether you’re far from retirement, just a few years away or want to improve your current plan, we can help.

Protection for your family

Life is ever-changing. Plan ahead now and enjoy every stage of your life.

Take care of the most important people in your life by putting together a personal financial plan. Get extra peace of mind that your family will be debt-free and able to live comfortably should anything happen to you.

Preserving your legacy

Protect what you have built and pass it on to your loved ones.

Endure all kinds of wealth from generation to generation such as passing illiquid assets, such as a family business or a flat, to your loved ones.

Fund your children’s education

Take the first step in planning for your children’s education.

Set your children up for rewarding and successful lives. Whether you’re paying for their tuition fees or all of their expenses, let’s put a plan together so you have the money to support their future.

Future Planner

Want to review your future planning and see if you're on track to achieving your goals? Get started with Future Planner to gain insights into your planning and see what areas may need more attention.

Start now

Sustainability Preferences Questionnaire

Are you interested in indicating your preferences when it comes to ESG and sustainable investing? Please log on to HSBC Online Banking and it will take you just a few minutes to complete the Sustainability Preferences Questionnaire.

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Risk Profiling Questionnaire

Want to understand your investment needs and risk appetite? Please log on to HSBC Personal Internet Banking or the latest version of HSBC HK Mobile Banking app, and it will take you just a few minutes to complete the Risk Profiling Questionnaire.

Access now about risk profiling questionnaire

Contact us

By phone

(852) 2233 3733

At an HSBC branch

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Frequently asked questions

You can use Future Planner to review your finances and assess if you're on track with achieving your goals.

Available at both our branches and on our mobile banking app, it highlights how achievable each goal may be for you, and incorporates product type simulation to see how our product types could make a difference in your financial life plan. It gives you a quick view of your net wealth, allowing you to plan your future with ease and confidence.

Future Planner also takes your needs into account across five areas when coming up with estimations:

protecting you and your family
saving for educational goals
planning for your retirement
managing and growing your wealth
preparing yourself for unexpected critical illness

You can make use of our Risk Profiling Questionnaire to help you find out more about your investment risk tolerance.

The Risk Profiling Questionnaire presents a number of different factors which assess your willingness to take on investment risk. You will be assigned a risk tolerance level which matches your investment risk preferences, out of six available risk tolerance levels as defined below:
Risk Tolerance	Definition
Secure	You generally do not want to take any investment risk, since you can accept no investment loss. Financial products with an investment element are not suitable for you. Products that are potentially suitable for you are likely to produce returns that are based on prevailing interest rates which may or may not keep pace with inflation.
Very Cautious	You are generally comfortable with achieving minimal level of return potential on your investment coupled with minimal risks. Capital values of products that are potentially suitable for you can fluctuate and may fall below your original investment. In normal market conditions fluctuation is expected to be minimal (although this is not guaranteed), and you are comfortable with this level of fluctuation. Investment products with risk rating 1 are likely to be suitable for you.
Cautious	You are generally comfortable with achieving a low level of return potential on your investment coupled with a low level of risk. Capital values of products that are potentially suitable for you can fluctuate and may fall below your original investment. In normal market conditions fluctuation is expected to be low (although this is not guaranteed), and you are comfortable with this level of fluctuation. Investment products with risk rating 2 or below are likely to be suitable for you.
Balanced	You are generally comfortable with achieving a moderate level of return potential on your investment coupled with a moderate level of risk. Capital values can fluctuate and may fall below your original investment. Fluctuation is expected to be higher than products that are suitable for investors in lower risk tolerance categories, but not as much as for higher risk tolerance categories. Investment products with risk rating 3 or below are likely to be suitable for you.
Adventurous	You are generally comfortable with achieving a high level of return potential on your investment coupled with high level of risk. Capital values can fluctuate significantly and may fall quite substantially below your original investment. You understand the risk/reward equation, and are comfortable with this level of fluctuation. Investment products with risk rating 4 or below are likely to be suitable for you.
Speculative	You are generally comfortable with maximizing your return potential on investment coupled with maximized risk. Capital values can fluctuate widely and may fall substantially below your original investment. You understand the risk/reward equation, and are comfortable with this level of fluctuation. Investment products with risk rating 5 or below are likely to be suitable for you.

The Risk Profiling Questionnaire presents a number of different factors which assess your willingness to take on investment risk. You will be assigned a risk tolerance level which matches your investment risk preferences, out of six available risk tolerance levels as defined below:
Risk Tolerance	Secure
Definition	You generally do not want to take any investment risk, since you can accept no investment loss. Financial products with an investment element are not suitable for you. Products that are potentially suitable for you are likely to produce returns that are based on prevailing interest rates which may or may not keep pace with inflation.

Risk Tolerance	Very Cautious
Definition	You are generally comfortable with achieving minimal level of return potential on your investment coupled with minimal risks. Capital values of products that are potentially suitable for you can fluctuate and may fall below your original investment. In normal market conditions fluctuation is expected to be minimal (although this is not guaranteed), and you are comfortable with this level of fluctuation. Investment products with risk rating 1 are likely to be suitable for you.

Risk Tolerance	Cautious
Definition	You are generally comfortable with achieving a low level of return potential on your investment coupled with a low level of risk. Capital values of products that are potentially suitable for you can fluctuate and may fall below your original investment. In normal market conditions fluctuation is expected to be low (although this is not guaranteed), and you are comfortable with this level of fluctuation. Investment products with risk rating 2 or below are likely to be suitable for you.

Risk Tolerance	Balanced
Definition	You are generally comfortable with achieving a moderate level of return potential on your investment coupled with a moderate level of risk. Capital values can fluctuate and may fall below your original investment. Fluctuation is expected to be higher than products that are suitable for investors in lower risk tolerance categories, but not as much as for higher risk tolerance categories. Investment products with risk rating 3 or below are likely to be suitable for you.

Risk Tolerance	Adventurous
Definition	You are generally comfortable with achieving a high level of return potential on your investment coupled with high level of risk. Capital values can fluctuate significantly and may fall quite substantially below your original investment. You understand the risk/reward equation, and are comfortable with this level of fluctuation. Investment products with risk rating 4 or below are likely to be suitable for you.

Risk Tolerance	Speculative
Definition	You are generally comfortable with maximizing your return potential on investment coupled with maximized risk. Capital values can fluctuate widely and may fall substantially below your original investment. You understand the risk/reward equation, and are comfortable with this level of fluctuation. Investment products with risk rating 5 or below are likely to be suitable for you.

Please click here to understand how you can choose investment products with risk rating that match with your risk tolerance level.

The information as shown on this page is not for sales purpose and it is hypothetical and for illustration only. It is not intended to constitute a recommendation or advice to any prospective customers and is not intended as a substitute for professional advice. You should not act on any information on this page without seeking specific professional advice.

Products and services referred to in this website are offered only in jurisdictions where and when they may be lawfully offered by The Hong Kong and Shanghai Banking Corporation Limited. The material on these pages are not intended for distribution to, or use by, any person or entity in any jurisdiction where such distribution or use would be contrary to local law or regulation.

Note: Investment involves risks. Past performance is no guide to future performance. Investors must refer to the respective fund's offering documents for further details of the fund and the risks involved.

Your benefit is subject to the credit risk of the Company. Your premiums paid will form part of the Company's assets. You do not have any rights or ownership over any of those assets. Your recourse is against the Company only. This product is a product of the Company but not HSBC and it is intended only for sale in the Hong Kong SAR.

HSBC Life (International) Limited is incorporated in Bermuda with limited liability, and is one of the HSBC Group's insurance underwriting subsidiaries.

Wealth Management

Future Planner

Sustainability Preferences Questionnaire

Risk Profiling Questionnaire

Contact us

By phone

At an HSBC branch

Frequently asked questions

What should I do to start financial planning?

How do I determine my risk tolerance?

How can I choose investment products that match with my risk tolerance level ?

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