Multi Asset Funds | Ready-made Portfolios

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class="header-main-navigation-title">Borrowing</span> <span class="icon icon-chevron-right hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-subtitle">Short & long-term</span> </div> <div aria-hidden="true" class="doormat-menu" data-source="header-doormat-1"> <div class="doormat-container row"> <div class="doormat-main sm-12 lg-9"> <div class="row"> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/credit-cards/" data-event-component="topnav" data-event-name="Borrowing: Credit cards" class="doormat-heading-link"> <h2 class="doormat-heading">Credit cards</h2> </a> <ul class="doormat-links"> <li> <a href="/credit-cards/balance-transfer-credit-cards/" aria-label="Balance transfer credit cards" data-event-component="topnav" data-event-name="Borrowing: Credit cards: Balance transfer cards"> Balance transfer credit cards </a> </li> <li> <a href="https://www.hsbc.co.uk/credit-cards/purchase-credit-cards/" aria-label="Purchase cards" data-event-component="topnav" data-event-name="Borrowing: Credit cards: Purchase cards"> Purchase cards </a> </li> <li> <a href="https://www.hsbc.co.uk/credit-cards/rewards-credit-cards/" aria-label="Rewards cards" data-event-component="topnav" data-event-name="Borrowing: Credit cards: reward cards"> Rewards cards </a> </li> <li> <a href="https://www.hsbc.co.uk/credit-cards/credit-builder-credit-cards/" aria-label="Credit building cards" data-event-component="topnav" data-event-name="Borrowing: Credit cards: Credit building cards"> Credit building cards </a> </li> <li> <a href="https://www.hsbc.co.uk/credit-cards/premier-credit-cards/" aria-label="Premier cards" data-event-component="topnav" data-event-name="Borrowing: Credit cards: Premier cards"> Premier cards </a> </li> <li> <a href="/loans/ways-to-borrow/" aria-label="Ways to borrow"> Ways to borrow </a> </li> <li> <a href="/credit-cards/eligibility-checker/" aria-label="Credit card eligibility checker" data-event-component="topnav" data-event-name="Borrowing: Credit cards: credit card eligibility checker"> Credit card eligibility checker </a> </li> <li> <a href="https://www.hsbc.co.uk/credit-cards/products/" aria-label="See all credit cards" data-event-component="topnav" data-event-name="Borrowing: Credit cards: See all credit cards"> See all credit cards </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/loans/" data-event-component="topnav" data-event-name="Borrowing: Loans" class="doormat-heading-link"> <h2 class="doormat-heading">Loans</h2> </a> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/loans/products/personal/" aria-label="Personal Loan" data-event-component="topnav" data-event-name="Borrowing: Loans: Personal Loan"> Personal Loan </a> </li> <li> <a href="https://www.hsbc.co.uk/loans/products/premier/" aria-label="Premier Loan" data-event-component="topnav" data-event-name="Borrowing: Loans: Premier Loan"> Premier Loan </a> </li> <li> <a href="https://www.hsbc.co.uk/loans/products/car-loan/" aria-label="Car Loan" data-event-component="topnav" data-event-name="Borrowing: Loans: Car Loan"> Car Loan </a> </li> <li> <a href="https://www.hsbc.co.uk/loans/products/home-improvements/" aria-label="Home Improvement Loan" data-event-component="topnav" data-event-name="Borrowing: Loans: Home Improvement Loan"> Home Improvement Loan </a> </li> <li> <a href="https://www.hsbc.co.uk/loans/products/top-up-loans/" aria-label="Top up your loan" data-event-component="topnav" data-event-name="Borrowing: Loans: Top up your loan"> Top up your loan </a> </li> <li> <a href="/loans/ways-to-borrow/" aria-label="Ways to borrow"> Ways to borrow </a> </li> <li> <a href="/loans/products/debt-consolidation/" aria-label="Debt Consolidation Loan"> Debt Consolidation Loan </a> </li> <li> <a href="/loans/flexipay/" aria-label="HSBC Flexipay"> HSBC Flexipay </a> </li> <li> <a href="https://www.hsbc.co.uk/loans/" aria-label="See all loans" data-event-component="topnav" data-event-name="Borrowing: Loans: See all loans"> See all loans </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/mortgages/" data-event-component="topnav" data-event-name="Borrowing: Mortgages" class="doormat-heading-link"> <h2 class="doormat-heading">Mortgages</h2> </a> <ul class="doormat-links"> <li> <a href="/mortgages/existing-customers/switch/" aria-label="Switch your mortgage rate"> Switch your mortgage rate </a> </li> <li> <a href="https://www.hsbc.co.uk/mortgages/move-your-mortgage/" aria-label="Remortgage to HSBC" data-event-component="topnav" data-event-name="Borrowing: Mortgages: Remortgage to HSBC"> Remortgage to HSBC </a> </li> <li> <a href="https://www.hsbc.co.uk/mortgages/first-time-buyers/" aria-label="First-time buyers" data-event-component="topnav" data-event-name="Borrowing: Mortgages: First-time Buyers"> First-time buyers </a> </li> <li> <a href="https://www.hsbc.co.uk/mortgages/how-to-apply/" aria-label="Get a decision in principle" data-event-component="topnav" data-event-name="Borrowing: Mortgages: Get a decision in principle"> Get a decision in principle </a> </li> <li> <a href="/mortgages/moving-home/" aria-label="Moving home" data-event-component="topnav" data-event-name="Borrowing: Mortgages: 95% mortgages"> Moving home </a> </li> <li> <a href="https://www.hsbc.co.uk/mortgages/our-rates/" aria-label="Mortgage rates" data-event-component="topnav" data-event-name="Borrowing: Mortgages: Mortgage rates"> Mortgage rates </a> </li> <li> <a href="https://www.hsbc.co.uk/mortgages/calculators/" aria-label="Mortgage calculators" data-event-component="topnav" data-event-name="Borrowing: Mortgages: Calculators"> Mortgage calculators </a> </li> <li> <a href="/mortgages/application-in-progress/" aria-label="Continue my application"> Continue my application </a> </li> </ul> </div> </div> </div> </div> </div> <div class="doormat-highlight sm-12 lg-3"> <div class="doormat-highlight-menu"> <div> <div class="links-group"> <h2 class="doormat-heading">Already borrowing with us?</h2> <ul class="doormat-links"> <li> <a href="/mortgages/cost-of-living-support/" aria-label="Mortgage charter" data-event-component="topnav" data-event-name="Borrowing: Already borrowing with us: Mortgage charter"> Mortgage charter </a> </li> <li> <a href="/mortgages/existing-customers/" aria-label="Manage your existing mortgage" data-event-component="topnav" data-event-name="Borrowing: Already borrowing with us: Manage your existing mortgage"> Manage your existing mortgage </a> </li> <li> <a href="https://www.hsbc.co.uk/help/money-worries/" aria-label="Money worries " data-event-component="topnav" data-event-name="Borrowing: Mortgage payment support"> Money worries </a> </li> <li> <a href="/help/money-worries/mortgage-payments/" aria-label="Mortgage payment support" data-event-component="topnav" data-event-name="Borrowing: Mortgage payment support"> Mortgage payment support </a> </li> <li> <a href="/credit-cards/existing-customers/" aria-label="Manage your credit card" data-event-component="topnav" data-event-name="Borrowing: Already borrowing with us: Manage your cards"> Manage your credit card </a> </li> <li> <a href="/credit-cards/fees/" aria-label="Credit card fees and rates"> Credit card fees and rates </a> </li> <li> <a href="/help/bank-of-england-base-rate/" aria-label="Base rate information" data-event-component="topnav" data-event-name="Borrowing: Already borrowing with us: Base rate information"> Base rate information </a> </li> <li> <a href="/credit-cards/credit-card-repayment-calculator/" aria-label="Credit card repayment calculator"> Credit card repayment calculator </a> </li> </ul> </div> </div> </div> </div> </div> </div> </li> <li class="header-main-navigation-item" tabindex="0"> <div data-target="header-doormat-2" class="header-mobile-doormat-2 header-doormat-mobile-title sidebar-submenu-trigger"> <span class="icon icon-investment hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-title">Investing</span> <span class="icon icon-chevron-right hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-subtitle">Products & planning</span> </div> <div aria-hidden="true" class="doormat-menu" data-source="header-doormat-2"> <div class="doormat-container row"> <div class="doormat-main sm-12 lg-9"> <div class="row"> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/investments/" data-event-component="topnav" data-event-name="Investing: Ways to invest" class="doormat-heading-link"> <h2 class="doormat-heading">Investing</h2> </a> <ul class="doormat-links"> <li> <a href="/investments/new-to-investing/" aria-label="New to investing?" data-event-component="topnav" data-event-name="investing: way to invest: new to investing"> New to investing? </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/isas/" aria-label="Stocks & shares ISA" data-event-component="topnav" data-event-name="Investing: Ways to invest: Invest in an ISA"> Stocks & shares ISA </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/funds/" aria-label="Invest in funds" data-event-component="topnav" data-event-name="Investing: Ways to invest: Invest in funds"> Invest in funds </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/products/invest-direct/" aria-label="Invest in shares" data-event-component="topnav" data-event-name="Investing: Ways to invest: Invest in invest-direct"> Invest in shares </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/products/" aria-label="See all investments" data-event-component="topnav" data-event-name="Investing: Ways to invest: Invest in products"> See all investments </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/investments/advice/" data-event-component="topnav" data-event-name="Investing: Your advice options" class="doormat-heading-link"> <h2 class="doormat-heading">Advice</h2> </a> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/investments/advice/financial-advice/" aria-label="Financial advice" data-event-component="topnav" data-event-name="Investing: Your advice options: Financial advice"> Financial advice </a> </li> <li> <a href="/investments/advice/premier-investment-management-service/" aria-label="Premier investment management" data-event-component="topnav" data-event-name="Investing: Your advice options: Premier investment management"> Premier investment management </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/protection-advice/" aria-label="Protection advice" data-event-component="topnav" data-event-name="Investing: Your advice options: Protection advice"> Protection advice </a> </li> </ul> </div> <div class="links-group"> <a href="https://www.hsbc.co.uk/retirement/" data-event-component="topnav" data-event-name="Investing: Visualise your retirement" class="doormat-heading-link"> <h2 class="doormat-heading">Retirement</h2> </a> <ul class="doormat-links"> <li> <a href="https://retirementcalculator.hsbc.co.uk" aria-label="Retirement calculator" data-event-component="topnav" data-event-name="Investing: Visualise your retirement: Retirement calculator"> Retirement calculator </a> </li> <li> <a href="https://www.hsbc.co.uk/retirement/investing-for-retirement/" aria-label="Investing for retirement" data-event-component="topnav" data-event-name="Investing: Visualise your retirement: Investing for retirement"> Investing for retirement </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/wealth/planning/" data-event-component="topnav" data-event-name="Investing: Improve your knowledge " class="doormat-heading-link"> <h2 class="doormat-heading">Wealth planning </h2> </a> <ul class="doormat-links"> <li> <a href="/wealth/planning/future-planner/" aria-label="Future Planner " data-event-component="topnav" data-event-name="Future Planner "> Future Planner </a> </li> <li> <a href="/investments/goal-based-investing/" aria-label="Investment goals" data-event-component="topnav" data-event-name="Investing: Ways to invest: Investment goals"> Investment goals </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/financial-action-plan" aria-label="Your financial action plan" data-event-component="topnav" data-event-name="Investing: Invest in yourself: Your financial action plan"> Your financial action plan </a> </li> <li> <a href="/wealth/investment-calculator/" aria-label="Investment calculator" data-event-component="topnav" data-event-name="Investing: Invest in yourself: Investment calculator"> Investment calculator </a> </li> <li> <a href="/wealth/education-calculator/" aria-label="Children’s education calculator" data-event-component="topnav" data-event-name="investing: improve your knowledge: children's education calculator"> Children’s education calculator </a> </li> <li> <a href="https://www.hsbc.co.uk/wealth/insights/" aria-label="Wealth Insights" data-event-component="topnav" data-event-name="Investing: Invest in yourself: HSBC Wealth insights"> Wealth Insights </a> </li> </ul> </div> <div class="links-group"> <ul class="doormat-links"> </ul> </div> </div> </div> </div> </div> <div class="doormat-highlight sm-12 lg-3"> <div class="doormat-highlight-menu"> <div> <div class="links-group"> <h2 class="doormat-heading">Already investing with us?</h2> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/investments/existing-customers/" aria-label="Manage your investments" data-event-component="topnav" data-event-name="Investing: Already investing with us?: Manage your investments"> Manage your investments </a> </li> <li> <a href="/investments/existing-customers/goal-based-investing/" aria-label="How to use investment goals" data-event-component="topnav" data-event-name="Investing: Already investing with us?: How to use investment goals"> How to use investment goals </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/existing-customers/global-investment-centre/" aria-label="How to use our Global Investment Centre" data-event-component="topnav" data-event-name="Investing: Already investing with us?: How to buy and sell funds"> How to use our Global Investment Centre </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/existing-customers/invest-direct/" aria-label="How to use InvestDirect" data-event-component="topnav" data-event-name="Investing: Already investing with us?: How to buy and sell shares"> How to use InvestDirect </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/products/onshore-investment-bond/" aria-label="Onshore Investment Bond" data-event-component="topnav" data-event-name="Investing: Already investing with us?: Onshore Investment Bond"> Onshore Investment Bond </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/products/child-trust-fund/" aria-label="Child Trust Fund" data-event-component="topnav" data-event-name="Investing:Already investing with us?: Child Trust Fund"> Child Trust Fund </a> </li> <li> <a href="/investments/existing-customers/flexible-retirement-account/" aria-label="Manage your Flexible Retirement Account" data-event-component="topnav" data-event-name="Investing: Already investing with us?: Manage your Flexible Retirement Account"> Manage your Flexible Retirement Account </a> </li> </ul> </div> </div> </div> </div> </div> </div> </li> <li class="header-main-navigation-item" tabindex="0"> <div data-target="header-doormat-3" class="header-mobile-doormat-3 header-doormat-mobile-title sidebar-submenu-trigger"> <span class="icon icon-insurance hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-title">Insurance</span> <span class="icon icon-chevron-right hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-subtitle">Property & family</span> </div> <div aria-hidden="true" class="doormat-menu" data-source="header-doormat-3"> <div class="doormat-container row"> <div class="doormat-main sm-12 lg-9"> <div class="row"> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="/insurance/" data-event-component="topnav" data-event-name="Insurance: Insurance" class="doormat-heading-link"> <h2 class="doormat-heading">Insurance</h2> </a> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/insurance/home/" aria-label="Home Insurance" data-event-component="topnav" data-event-name="Insurance: Insurance: Home Insurance"> Home Insurance </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/contents/" aria-label="Contents Insurance" data-event-component="topnav" data-event-name="Insurance: Insurance: Contents Insurance"> Contents Insurance </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/travel/" aria-label="Travel Insurance" data-event-component="topnav" data-event-name="Banking: Insurance: Travel Insurance"> Travel Insurance </a> </li> <li> <a href="https://www.business.hsbc.uk/en-gb/products-and-solutions/insurance" aria-label="Small Business Insurance" data-event-component="topnav" data-event-name="Banking: Insurance: Small Business Insurance"> Small Business Insurance </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/" aria-label="See all insurance" data-event-component="topnav" data-event-name="Insurance: Insurance: See all insurance"> See all insurance </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/insurance/life/" data-event-component="topnav" data-event-name="Insurance: Life:" class="doormat-heading-link"> <h2 class="doormat-heading">Life</h2> </a> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/insurance/products/life-cover/" aria-label="Life Cover" data-event-component="topnav" data-event-name="Insurance: Life: Life Cover"> Life Cover </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/critical-illness-cover/" aria-label="Critical Illness Cover" data-event-component="topnav" data-event-name="Insurance: Life: Critical Illness Cover"> Critical Illness Cover </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/income-protection/" aria-label="Income Protection Insurance" data-event-component="topnav" data-event-name="Insurance: Life: Income Protection Insurance"> Income Protection Insurance </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/protection-advice/" aria-label="Protection advice" data-event-component="topnav" data-event-name="Insurance: Life: Protection advice"> Protection advice </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/life/" aria-label="See all life insurance" data-event-component="topnav" data-event-name="Insurance: Life: See all life insurance products"> See all life insurance </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <h2 class="doormat-heading">Claims</h2> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/insurance/products/select-and-cover" aria-label="Select and Cover claims"> Select and Cover claims </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/home/claims/" aria-label="Home Insurance claims"> Home Insurance claims </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/life/claims/" aria-label="Life Insurance claims" data-event-component="topnav" data-event-name="Insurance: Claims: Life Insurance claims"> Life Insurance claims </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/travel/claims/" aria-label="Travel Insurance claims" data-event-component="topnav" data-event-name="Insurance: Claims: Travel Insurance claims"> Travel Insurance claims </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/aspects/claims/" aria-label="Aspects Insurance claims" data-event-component="topnav" data-event-name="Insurance: Claims: Aspects Insurance claims"> Aspects Insurance claims </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/travel/claims/" aria-label="Premier Travel Insurance claims" data-event-component="topnav" data-event-name="Insurance: Claims: Premier Travel Insurance claims"> Premier Travel Insurance claims </a> </li> </ul> </div> </div> </div> </div> </div> <div class="doormat-highlight sm-12 lg-3"> <div class="doormat-highlight-menu"> <div> <div class="links-group"> <h2 class="doormat-heading">Already insured by us? </h2> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/insurance/home/claims/" aria-label="Home Insurance support" data-event-component="topnav" data-event-name="Insurance: Already insured by us?: Home Insurance support"> Home Insurance support </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/life/claims/" aria-label="Life Insurance support" data-event-component="topnav" data-event-name="Insurance: Already insured by us?: Life Insurance support"> Life Insurance support </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/premier-travel/" aria-label="Premier Travel support" data-event-component="topnav" data-event-name="Insurance: Already insured by us?: Premier Travel support"> Premier Travel support </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/aspects/" aria-label="Aspects Insurance support" data-event-component="topnav" data-event-name="Insurance: Already insured by us?: Aspects Insurance support"> Aspects Insurance support </a> </li> </ul> </div> </div> </div> </div> </div> </div> </li> <li class="header-main-navigation-item" tabindex="0"> <div data-target="header-doormat-4" class="header-mobile-doormat-4 header-doormat-mobile-title sidebar-submenu-trigger"> <span class="icon icon-health hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-title">Wellbeing</span> <span class="icon icon-chevron-right hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-subtitle">Financial health & support</span> </div> <div aria-hidden="true" class="doormat-menu" data-source="header-doormat-4"> <div class="doormat-container row"> <div class="doormat-main sm-12 lg-9"> <div class="row"> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="/financial-fitness/" data-event-component="topnav" data-event-name="Wellbeing: Financial fitness" class="doormat-heading-link"> <h2 class="doormat-heading">Financial fitness</h2> </a> <ul class="doormat-links"> <li> <a href="/financial-fitness/fitness-score/" aria-label="Financial health tools & webinars" data-event-component="topnav" data-event-name="Financial fitness score tool"> Financial health tools & webinars </a> </li> <li> <a href="/financial-fitness/everyday-budgeting/" aria-label="Everyday budgeting" data-event-component="topnav" data-event-name="Wellbeing: Financial fitness Everyday budgeting"> Everyday budgeting </a> </li> <li> <a href="/financial-fitness/managing-debt/" aria-label="Managing debt" data-event-component="topnav" data-event-name="Wellbeing: Financial fitness: Managing debt"> Managing debt </a> </li> <li> <a href="/financial-fitness/growing-your-money/" aria-label="Growing your money" data-event-component="topnav" data-event-name="Wellbeing: Financial fitness: Growing your money"> Growing your money </a> </li> <li> <a href="/help/security-centre/" aria-label="Staying safe and secure" data-event-component="topnav" data-event-name="Wellbeing: Financial fitness: Staying safe and secure"> Staying safe and secure </a> </li> <li> <a href="/financial-education/" aria-label="Learning about money" data-event-component="topnav" data-event-name="Wellbeing: Financial fitness: Learning about money"> Learning about money </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="/new-beginnings/" data-event-component="topnav" data-event-name="Wellbeing: New Beginnings" class="doormat-heading-link"> <h2 class="doormat-heading">New beginnings</h2> </a> <ul class="doormat-links"> <li> <a href="/new-beginnings/expanding-your-family/" aria-label="Expanding your family" data-event-component="topnav" data-event-name="Wellbeing: New beginnings: Expanding your family"> Expanding your family </a> </li> <li> <a href="/new-beginnings/getting-married/" aria-label="Getting married" data-event-component="topnav" data-event-name="Wellbeing: New beginnings: Getting married"> Getting married </a> </li> <li> <a href="https://www.hsbc.co.uk/retirement/" aria-label="Planning for retirement" data-event-component="topnav" data-event-name="Wellbeing: New beginnings: Planning for retirement"> Planning for retirement </a> </li> <li> <a href="/mortgages/first-time-buyers/" aria-label="Buying your first home" data-event-component="topnav" data-event-name="Wellbeing: New beginnings: Buying your first home"> Buying your first home </a> </li> <li> <a href="/international/moving-abroad/" aria-label="Moving abroad" data-event-component="topnav" data-event-name="Wellbeing: New beginnings: Moving abroad"> Moving abroad </a> </li> <li> <a href="/students/" aria-label="Going to uni" data-event-component="topnav" data-event-name="Wellbeing: New beginnings: Going to uni"> Going to uni </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="/help/life-events/" data-event-component="topnav" data-event-name="Wellbeing: Life events" class="doormat-heading-link"> <h2 class="doormat-heading">Life events</h2> </a> <ul class="doormat-links"> <li> <a href="/help/life-events/bereavement/" aria-label="Bereavement support" data-event-component="topnav" data-event-name="Wellbeing: Life events: Bereavement support"> Bereavement support </a> </li> <li> <a href="/help/life-events/assisting-someone-with-their-money/" aria-label="Assisting someone with their money" data-event-component="topnav" data-event-name="Wellbeing: Life events: Assisting someone with their money"> Assisting someone with their money </a> </li> <li> <a href="/help/life-events/separation/" aria-label="Separation" data-event-component="topnav" data-event-name="Wellbeing: Life events: Separation "> Separation </a> </li> <li> <a href="/help/life-events/unexpected-change/redundancy/" aria-label="Losing your job" data-event-component="topnav" data-event-name="Wellbeing: Life events: Losing your job"> Losing your job </a> </li> <li> <a href="/help/life-events/poa/" aria-label="Power of Attorney" data-event-component="topnav" data-event-name="Wellbeing: Life events: Power of attorney"> Power of Attorney </a> </li> <li> <a href="/accessibility/mental-health-and-support/" aria-label="Mental health and support" data-event-component="topnav" data-event-name="Wellbeing: Life events: Mental health and support"> Mental health and support </a> </li> <li> <a href="/accessibility/tell-us-your-needs/" aria-label="Tell us your support needs" data-event-component="topnav" data-event-name="Wellbeing: Life events: Tell us your support needs"> Tell us your support needs </a> </li> </ul> </div> </div> </div> </div> </div> <div class="doormat-highlight sm-12 lg-3"> <div class="doormat-highlight-menu"> <div> <div class="links-group"> <a href="/help/money-worries/" data-event-component="topnav" data-event-name="Wellbeing: Money worries" class="doormat-heading-link"> <h2 class="doormat-heading">Money worries</h2> </a> <ul class="doormat-links"> <li> <a href="/help/money-worries/how-we-can-help/" aria-label="How we can help" data-event-component="topnav" data-event-name="Wellbeing: Money worries: How we can help"> How we can help </a> </li> <li> <a href="/help/money-worries/mortgage-payments/" aria-label="Mortgage payment support" data-event-component="topnav" data-event-name="Wellbeing: Money worries: Mortgage payment support"> Mortgage payment support </a> </li> <li> <a href="/help/money-worries/financial-abuse/" aria-label="Financial and domestic abuse" data-event-component="topnav" data-event-name="Wellbeing: Money worries: Financial and domestic abuse"> Financial and domestic abuse </a> </li> <li> <a href="/help/money-worries/managing-your-finances/" aria-label="Managing your finances" data-event-component="topnav" data-event-name="Wellbeing: Money worries: Managing your finances"> Managing your finances </a> </li> <li> <a href="/financial-fitness/rising-cost-of-living/" aria-label="Rising cost of living" data-event-component="topnav" data-event-name="Wellbeing: Money worries: Coronavirus support"> Rising cost of living </a> </li> <li> <a href="/help/card-support/gambling-restrictions/" aria-label="Support for gambling" data-event-component="topnav" data-event-name="Wellbeing: Card support: Support for gambling"> Support for gambling </a> </li> </ul> </div> </div> </div> </div> </div> </div> </li> <li class="header-main-navigation-item" tabindex="0"> <div data-target="header-doormat-5" class="header-mobile-doormat-5 header-doormat-mobile-title sidebar-submenu-trigger"> <span class="icon icon-help hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-title">Help</span> <span class="icon icon-chevron-right hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-subtitle">Service & security</span> </div> <div aria-hidden="true" class="doormat-menu" data-source="header-doormat-5"> <div class="doormat-container row"> <div class="doormat-main sm-12 lg-9"> <div class="row"> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="/help/banking-made-easy/" data-event-component="topnav" data-event-name="Help: Managing your account" class="doormat-heading-link"> <h2 class="doormat-heading">Managing your account</h2> </a> <ul class="doormat-links"> <li> <a href="/financial-fitness/rising-cost-of-living/" aria-label="Rising cost of living"> Rising cost of living </a> </li> <li> <a href="/ways-to-bank/" aria-label="Ways to bank" data-event-component="topnav" data-event-name="Help: Managing your account: Ways to bank"> Ways to bank </a> </li> <li> <a href="/help/card-support/" aria-label="Card support" data-event-component="topnav" data-event-name="Help: Managing your account: Card support"> Card support </a> </li> <li> <a href="/help/banking-made-easy/how-to-set-up-a-direct-debit/" aria-label="Set up or cancel a Direct Debit" data-event-component="topnav" data-event-name="Help: Managing your account: Set up or cancel a direct debit"> Set up or cancel a Direct Debit </a> </li> <li> <a href="https://www.hsbc.co.uk/help/banking-made-easy/how-to-set-up-standing-order/" aria-label="Set up or cancel a standing order" data-event-component="topnav" data-event-name="Help: Managing your account: Set up or cancel a standing order"> Set up or cancel a standing order </a> </li> <li> <a href="/help/card-support/dispute-transaction/" aria-label="Query a transaction" data-event-component="topnav" data-event-name="Help: Managing your account: Query a transaction"> Query a transaction </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="/help/security-centre/" data-event-component="topnav" data-event-name="Help: Fraud and security" class="doormat-heading-link"> <h2 class="doormat-heading">Fraud and security</h2> </a> <ul class="doormat-links"> <li> <a href="/help/security-centre/fraud-guide/" aria-label="Fraud guide" data-event-component="topnav" data-event-name="Help: Fraud and security: Fraud guide"> Fraud guide </a> </li> <li> <a href="/help/security-centre/received-a-text/" aria-label="Received a text?" data-event-component="topnav" data-event-name="Help: Fraud and security: Received a text"> Received a text? </a> </li> <li> <a href="/help/security-centre/hsbc-safeguard/" aria-label="HSBC Safeguard" data-event-component="topnav" data-event-name="Help: Fraud and security: HSBC Safeguard"> HSBC Safeguard </a> </li> <li> <a href="/help/security-centre/secure-key/" aria-label="Secure Key" data-event-component="topnav" data-event-name="Help: Fraud and security: Secure Key"> Secure Key </a> </li> <li> <a 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banking </a> </li> <li> <a href="/ways-to-bank/mobile/" aria-label="Mobile banking" data-event-component="topnav" data-event-name="Help: Digital banking: Mobile banking"> Mobile banking </a> </li> <li> <a href="/ways-to-bank/online-banking/" aria-label="Online banking" data-event-component="topnav" data-event-name="Help: Digital banking: Online banking"> Online banking </a> </li> <li> <a href="/current-accounts/banking-at-home/" aria-label="Banking at home" data-event-component="topnav" data-event-name="Help: Digital banking: Banking at home"> Banking at home </a> </li> <li> <a href="/ways-to-bank/mobile/cheque-deposit/" aria-label="Mobile cheque deposit" data-event-component="topnav" data-event-name="Help: Digital banking: Mobile cheque deposit"> Mobile cheque deposit </a> </li> <li> <a href="/help/security-centre/lost-your-details/" aria-label="Reset your log on details" data-event-component="topnav" data-event-name="Help: Digital banking: Reset your online banking details"> Reset your log on details </a> </li> <li> <a href="/ways-to-bank/mobile/money-management/" aria-label="Mobile money management" data-event-component="topnav" data-event-name="Help: Digital banking: Plan ahead"> Mobile money management </a> </li> </ul> </div> </div> </div> </div> </div> <div class="doormat-highlight sm-12 lg-3"> <div class="doormat-highlight-menu"> <div> <div class="links-group"> <a href="/help/" data-event-component="topnav" data-event-name="Help: Help" class="doormat-heading-link"> <h2 class="doormat-heading">Help</h2> </a> <ul class="doormat-links"> <li> <a href="/help/" aria-label="Customer support" data-event-component="topnav" data-event-name="Help: Help: Customer support"> Customer support </a> </li> <li> <a href="https://www.hsbc.co.uk/help/money-worries/" aria-label="Money worries " data-event-component="topnav" data-event-name="Help: Help: Making payments"> Money worries </a> </li> <li> <a href="/help/feedback-and-complaints/" aria-label="Feedback and complaints" data-event-component="topnav" data-event-name="Help: Help: Feedback and complaints"> Feedback and complaints </a> </li> <li> <a href="/help/digital-banking-help-tool/" aria-label="Digital banking help tool" data-event-component="topnav" data-event-name="Help: Help: Digital banking help tool"> Digital banking help tool </a> </li> <li> <a href="/help/bank-of-england-base-rate/" aria-label="Bank of England base rate" data-event-component="topnav" data-event-name="Help: Help: Bank of England base rate"> Bank of England base rate </a> </li> <li> <a href="/help/banking-made-easy/making-payments/" aria-label="Making payments" data-event-component="topnav" data-event-name="Help: Help: Making payments"> Making payments </a> </li> <li> <a href="/accessibility/" aria-label="Accessibility and disability" data-event-component="topnav" data-event-name="Help: Help: Accessibility and disability"> Accessibility and disability </a> </li> <li> <a href="/sustainability/" aria-label="Sustainability" data-event-component="topnav" data-event-name="Help: Help: Sustainability"> Sustainability </a> </li> </ul> </div> </div> </div> </div> </div> </div> </li> </ul> </nav> </div> </div> </div> <div class="header-mobile"> <div class="header-mobile-top hide-on-desktop"> <button class="header-sidebar-trigger" aria-label="Open menu" data-aria-label-open-menu="Open menu" data-aria-label-close-menu="Close menu"> <span class="icon icon-menu" aria-hidden="true"></span> <span class="header-sidebar-trigger-text">Menu</span> </button> <nav id="sidebar" class="header-mobile-sidebar hide-on-desktop"> <div class="header-mobile-sidebar-content"> <div class="close-submenu-trigger" role="button" tabindex="0" aria-label="Close Submenu"> <span class="icon icon-chevron-left" aria-hidden="true"></span> </div> <ul class="header-mobile-doormat" role="menubar"> <li class="header-main-navigation-item" tabindex="0"> <div data-target="header-doormat-0" class="header-mobile-doormat-0 header-doormat-mobile-title sidebar-submenu-trigger"> <span class="icon icon-banking hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-title">Banking</span> <span class="icon icon-chevron-right hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-subtitle">Accounts & services</span> </div> <div aria-hidden="true" class="doormat-menu" data-source="header-doormat-0"> <div class="doormat-container row"> <div class="doormat-main sm-12 lg-9"> <div class="row"> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/current-accounts/" data-event-component="topnav" data-event-name="Banking: Current accounts" class="doormat-heading-link"> <h2 class="doormat-heading">Current accounts</h2> </a> <ul class="doormat-links"> <li> <a href="/current-accounts/products/premier/" aria-label="Premier Account" data-event-component="topnav" data-event-name="Banking: Current accounts: Premier Account"> Premier Account </a> </li> <li> <a href="https://www.hsbc.co.uk/current-accounts/products/bank-account/" aria-label="Bank Account" data-event-component="topnav" data-event-name="Banking: Current accounts: Bank Account"> Bank Account </a> </li> <li> <a href="https://www.hsbc.co.uk/current-accounts/products/advance/" aria-label="Advance Account" data-event-component="topnav" data-event-name="Banking: Current accounts: Advance Account"> Advance Account </a> </li> <li> <a href="https://www.hsbc.co.uk/current-accounts/products/student/" aria-label="Student Account" data-event-component="topnav" data-event-name="Banking: Current accounts: Student Account"> Student Account </a> </li> <li> <a href="https://www.hsbc.co.uk/current-accounts/products/international-student/" aria-label="International Student Account" data-event-component="topnav" data-event-name="Banking: Current accounts: International student account"> International Student Account </a> </li> <li> <a href="https://www.hsbc.co.uk/current-accounts/products/children/" aria-label="Children's Account" data-event-component="topnav" data-event-name="Banking: Current accounts: Childrens Account"> Children's Account </a> </li> <li> <a href="https://www.business.hsbc.uk/en-gb/products-and-solutions/business-accounts" aria-label="Business accounts" data-event-component="topnav" data-event-name="Banking: Current accounts: Business accounts"> Business accounts </a> </li> <li> <a href="/current-accounts/products/jade/private-bank/" aria-label="Private Banking Account" data-event-component="topnav" data-event-name="Banking: Current accounts: Private Banking Account"> Private Banking Account </a> </li> <li> <a href="https://www.hsbc.co.uk/current-accounts/products/" aria-label="See all current accounts" data-event-component="topnav" data-event-name="Banking: Current accounts: See all current accounts"> See all current accounts </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/savings/" data-event-component="topnav" data-event-name="Banking: Savings accounts" class="doormat-heading-link"> <h2 class="doormat-heading">Savings accounts</h2> </a> <ul class="doormat-links"> <li> <a href="/savings/products/fixed-rate-isa/" aria-label="Fixed Rate Cash ISA" data-event-component="topnav" data-event-name="Banking: Savings:Fixed Rate Cash ISA"> Fixed Rate Cash ISA </a> </li> <li> <a href="https://www.hsbc.co.uk/savings/products/online-bonus-saver/" aria-label=" Online Bonus Saver" data-event-component="topnav" data-event-name="Banking: Savings: Online Bonus Saver"> Online Bonus Saver </a> </li> <li> <a href="https://www.hsbc.co.uk/savings/products/regular-saver/" aria-label="Regular Savings Account" data-event-component="topnav" data-event-name="Banking: Savings: Regular Savings Account"> Regular Savings Account </a> </li> <li> <a href="https://www.hsbc.co.uk/savings/products/cash-isa/" aria-label="Loyalty Cash ISA" data-event-component="topnav" data-event-name="Banking: Savings: Loyalty Cash ISA"> Loyalty Cash ISA </a> </li> <li> <a href="https://www.hsbc.co.uk/savings/products/fixed-rate/" aria-label="Fixed Rate Savings Account" data-event-component="topnav" data-event-name="Banking: Savings: Fixed Rate Savings Account"> Fixed Rate Savings Account </a> </li> <li> <a href="https://www.hsbc.co.uk/savings/products/mysavings/" aria-label="Children’s Savings Account" data-event-component="topnav" data-event-name="Banking: Savings: Children’s Savings Account"> Children’s Savings Account </a> </li> <li> <a href="https://www.hsbc.co.uk/savings/easy-access-accounts/" aria-label="Easy access savings accounts" data-event-component="topnav" data-event-name="Banking: Savings: easy access savings accounts"> Easy access savings accounts </a> </li> <li> <a href="https://www.hsbc.co.uk/savings/compare/" aria-label="Compare savings accounts" data-event-component="topnav" data-event-name="Banking: Savings: Compare savings accounts"> Compare savings accounts </a> </li> <li> <a href="https://www.hsbc.co.uk/savings/products/" aria-label="See all savings accounts" data-event-component="topnav" data-event-name="Banking: Savings: See all savings accounts"> See all savings accounts </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/international/" data-event-component="topnav" data-event-name="Banking: International services" class="doormat-heading-link"> <h2 class="doormat-heading">International services</h2> </a> <ul class="doormat-links"> <li> <a href="/current-accounts/products/global-money/" aria-label="Global Money Account" data-event-component="topnav" data-event-name="Global Money Account"> Global Money Account </a> </li> <li> <a href="https://www.hsbc.co.uk/international/using-your-card-abroad/" aria-label="Using your card outside the UK" data-event-component="topnav" data-event-name="Banking: International Services: Using your card outside the UK"> Using your card outside the UK </a> </li> <li> <a href="https://www.hsbc.co.uk/international/travel-money/" aria-label="Travel Money" data-event-component="topnav" data-event-name="Banking: International Services: Travel Money"> Travel Money </a> </li> <li> <a href="https://www.hsbc.co.uk/international/money-transfer/" aria-label="International payments" data-event-component="topnav" data-event-name="Banking: International Services: International payments"> International payments </a> </li> <li> <a href="https://www.hsbc.co.uk/international/currency-account/" aria-label="Currency Account" data-event-component="topnav" data-event-name="Banking: International Services: Currency Account"> Currency Account </a> </li> <li> <a href="https://www.hsbc.co.uk/international/overseas-account-opening/" aria-label="Opening an account outside the UK" data-event-component="topnav" data-event-name="Banking: International Services: International Bank Account"> Opening an account outside the UK </a> </li> <li> <a href="/international/apply-for-a-uk-account/" aria-label="Open a UK account" data-event-component="topnav" data-event-name="Banking: International Services: Open a UK account"> Open a UK account </a> </li> <li> <a href="https://www.hsbc.co.uk/international/" aria-label="See all international services" data-event-component="topnav" data-event-name="Banking: International Services: See all international services"> See all international services </a> </li> </ul> </div> </div> </div> </div> </div> <div class="doormat-highlight sm-12 lg-3"> <div class="doormat-highlight-menu"> <div> <div class="links-group"> <h2 class="doormat-heading">Already banking with us?</h2> <ul class="doormat-links"> <li> <a href="/current-accounts/existing-customers/" aria-label="Existing customers" data-event-component="topnav" data-event-name="Banking: Already banking with us: Existing customers"> Existing customers </a> </li> <li> <a href="/help/money-worries/" aria-label="Money worries " data-event-component="topnav" data-event-name="Banking: Already banking with us: Mobile banking "> Money worries </a> </li> <li> <a href="/help/banking-made-easy/%20/" aria-label="Manage your account" data-event-component="topnav" data-event-name="Banking: Already banking with us: Manage your account"> Manage your account </a> </li> <li> <a href="/ways-to-bank/mobile/" aria-label="Mobile banking " data-event-component="topnav" data-event-name="Banking: Already banking with us: Mobile banking "> Mobile banking </a> </li> <li> <a href="/ways-to-bank/online-banking/" aria-label="Online banking" data-event-component="topnav" data-event-name="Banking: Already banking with us: Online banking"> Online banking </a> </li> <li> <a href="/current-accounts/products/overdrafts/" aria-label="Overdrafts" data-event-component="topnav" data-event-name="Banking: Already banking with us: Overdrafts "> Overdrafts </a> </li> <li> <a href="/current-accounts/products/overdraft-calculator/" aria-label="Overdraft calculator" data-event-component="topnav" data-event-name="Banking: Already banking with us: Overdraft calculator"> Overdraft calculator </a> </li> <li> <a href="/current-accounts/products/overdraft-calculator/repayment/" aria-label="Overdraft repayment calculator" data-event-component="text link" data-event-name="overdraft repayment calculator: Online banking"> Overdraft repayment calculator </a> </li> </ul> </div> </div> </div> </div> </div> </div> </li> <li class="header-main-navigation-item" tabindex="0"> <div data-target="header-doormat-1" class="header-mobile-doormat-1 header-doormat-mobile-title sidebar-submenu-trigger"> <span class="icon icon-borrowing hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-title">Borrowing</span> <span class="icon icon-chevron-right hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-subtitle">Short & long-term</span> </div> <div aria-hidden="true" class="doormat-menu" data-source="header-doormat-1"> <div class="doormat-container row"> <div class="doormat-main sm-12 lg-9"> <div class="row"> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/credit-cards/" data-event-component="topnav" data-event-name="Borrowing: Credit cards" class="doormat-heading-link"> <h2 class="doormat-heading">Credit cards</h2> </a> <ul class="doormat-links"> <li> <a href="/credit-cards/balance-transfer-credit-cards/" aria-label="Balance transfer credit cards" data-event-component="topnav" data-event-name="Borrowing: Credit cards: Balance transfer cards"> Balance transfer credit cards </a> </li> <li> <a href="https://www.hsbc.co.uk/credit-cards/purchase-credit-cards/" aria-label="Purchase cards" data-event-component="topnav" data-event-name="Borrowing: Credit cards: Purchase cards"> Purchase cards </a> </li> <li> <a href="https://www.hsbc.co.uk/credit-cards/rewards-credit-cards/" aria-label="Rewards cards" data-event-component="topnav" data-event-name="Borrowing: Credit cards: reward cards"> Rewards cards </a> </li> <li> <a href="https://www.hsbc.co.uk/credit-cards/credit-builder-credit-cards/" aria-label="Credit building cards" data-event-component="topnav" data-event-name="Borrowing: Credit cards: Credit building cards"> Credit building cards </a> </li> <li> <a href="https://www.hsbc.co.uk/credit-cards/premier-credit-cards/" aria-label="Premier cards" data-event-component="topnav" data-event-name="Borrowing: Credit cards: Premier cards"> Premier cards </a> </li> <li> <a href="/loans/ways-to-borrow/" aria-label="Ways to borrow"> Ways to borrow </a> </li> <li> <a href="/credit-cards/eligibility-checker/" aria-label="Credit card eligibility checker" data-event-component="topnav" data-event-name="Borrowing: Credit cards: credit card eligibility checker"> Credit card eligibility checker </a> </li> <li> <a href="https://www.hsbc.co.uk/credit-cards/products/" aria-label="See all credit cards" data-event-component="topnav" data-event-name="Borrowing: Credit cards: See all credit cards"> See all credit cards </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/loans/" data-event-component="topnav" data-event-name="Borrowing: Loans" class="doormat-heading-link"> <h2 class="doormat-heading">Loans</h2> </a> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/loans/products/personal/" aria-label="Personal Loan" data-event-component="topnav" data-event-name="Borrowing: Loans: Personal Loan"> Personal Loan </a> </li> <li> <a href="https://www.hsbc.co.uk/loans/products/premier/" aria-label="Premier Loan" data-event-component="topnav" data-event-name="Borrowing: Loans: Premier Loan"> Premier Loan </a> </li> <li> <a href="https://www.hsbc.co.uk/loans/products/car-loan/" aria-label="Car Loan" data-event-component="topnav" data-event-name="Borrowing: Loans: Car Loan"> Car Loan </a> </li> <li> <a href="https://www.hsbc.co.uk/loans/products/home-improvements/" aria-label="Home Improvement Loan" data-event-component="topnav" data-event-name="Borrowing: Loans: Home Improvement Loan"> Home Improvement Loan </a> </li> <li> <a href="https://www.hsbc.co.uk/loans/products/top-up-loans/" aria-label="Top up your loan" data-event-component="topnav" data-event-name="Borrowing: Loans: Top up your loan"> Top up your loan </a> </li> <li> <a href="/loans/ways-to-borrow/" aria-label="Ways to borrow"> Ways to borrow </a> </li> <li> <a href="/loans/products/debt-consolidation/" aria-label="Debt Consolidation Loan"> Debt Consolidation Loan </a> </li> <li> <a href="/loans/flexipay/" aria-label="HSBC Flexipay"> HSBC Flexipay </a> </li> <li> <a href="https://www.hsbc.co.uk/loans/" aria-label="See all loans" data-event-component="topnav" data-event-name="Borrowing: Loans: See all loans"> See all loans </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/mortgages/" data-event-component="topnav" data-event-name="Borrowing: Mortgages" class="doormat-heading-link"> <h2 class="doormat-heading">Mortgages</h2> </a> <ul class="doormat-links"> <li> <a href="/mortgages/existing-customers/switch/" aria-label="Switch your mortgage rate"> Switch your mortgage rate </a> </li> <li> <a href="https://www.hsbc.co.uk/mortgages/move-your-mortgage/" aria-label="Remortgage to HSBC" data-event-component="topnav" data-event-name="Borrowing: Mortgages: Remortgage to HSBC"> Remortgage to HSBC </a> </li> <li> <a href="https://www.hsbc.co.uk/mortgages/first-time-buyers/" aria-label="First-time buyers" data-event-component="topnav" data-event-name="Borrowing: Mortgages: First-time Buyers"> First-time buyers </a> </li> <li> <a href="https://www.hsbc.co.uk/mortgages/how-to-apply/" aria-label="Get a decision in principle" data-event-component="topnav" data-event-name="Borrowing: Mortgages: Get a decision in principle"> Get a decision in principle </a> </li> <li> <a href="/mortgages/moving-home/" aria-label="Moving home" data-event-component="topnav" data-event-name="Borrowing: Mortgages: 95% mortgages"> Moving home </a> </li> <li> <a href="https://www.hsbc.co.uk/mortgages/our-rates/" aria-label="Mortgage rates" data-event-component="topnav" data-event-name="Borrowing: Mortgages: Mortgage rates"> Mortgage rates </a> </li> <li> <a href="https://www.hsbc.co.uk/mortgages/calculators/" aria-label="Mortgage calculators" data-event-component="topnav" data-event-name="Borrowing: Mortgages: Calculators"> Mortgage calculators </a> </li> <li> <a href="/mortgages/application-in-progress/" aria-label="Continue my application"> Continue my application </a> </li> </ul> </div> </div> </div> </div> </div> <div class="doormat-highlight sm-12 lg-3"> <div class="doormat-highlight-menu"> <div> <div class="links-group"> <h2 class="doormat-heading">Already borrowing with us?</h2> <ul class="doormat-links"> <li> <a href="/mortgages/cost-of-living-support/" aria-label="Mortgage charter" data-event-component="topnav" data-event-name="Borrowing: Already borrowing with us: Mortgage charter"> Mortgage charter </a> </li> <li> <a href="/mortgages/existing-customers/" aria-label="Manage your existing mortgage" data-event-component="topnav" data-event-name="Borrowing: Already borrowing with us: Manage your existing mortgage"> Manage your existing mortgage </a> </li> <li> <a href="https://www.hsbc.co.uk/help/money-worries/" aria-label="Money worries " data-event-component="topnav" data-event-name="Borrowing: Mortgage payment support"> Money worries </a> </li> <li> <a href="/help/money-worries/mortgage-payments/" aria-label="Mortgage payment support" data-event-component="topnav" data-event-name="Borrowing: Mortgage payment support"> Mortgage payment support </a> </li> <li> <a href="/credit-cards/existing-customers/" aria-label="Manage your credit card" data-event-component="topnav" data-event-name="Borrowing: Already borrowing with us: Manage your cards"> Manage your credit card </a> </li> <li> <a href="/credit-cards/fees/" aria-label="Credit card fees and rates"> Credit card fees and rates </a> </li> <li> <a href="/help/bank-of-england-base-rate/" aria-label="Base rate information" data-event-component="topnav" data-event-name="Borrowing: Already borrowing with us: Base rate information"> Base rate information </a> </li> <li> <a href="/credit-cards/credit-card-repayment-calculator/" aria-label="Credit card repayment calculator"> Credit card repayment calculator </a> </li> </ul> </div> </div> </div> </div> </div> </div> </li> <li class="header-main-navigation-item" tabindex="0"> <div data-target="header-doormat-2" class="header-mobile-doormat-2 header-doormat-mobile-title sidebar-submenu-trigger"> <span class="icon icon-investment hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-title">Investing</span> <span class="icon icon-chevron-right hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-subtitle">Products & planning</span> </div> <div aria-hidden="true" class="doormat-menu" data-source="header-doormat-2"> <div class="doormat-container row"> <div class="doormat-main sm-12 lg-9"> <div class="row"> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/investments/" data-event-component="topnav" data-event-name="Investing: Ways to invest" class="doormat-heading-link"> <h2 class="doormat-heading">Investing</h2> </a> <ul class="doormat-links"> <li> <a href="/investments/new-to-investing/" aria-label="New to investing?" data-event-component="topnav" data-event-name="investing: way to invest: new to investing"> New to investing? </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/isas/" aria-label="Stocks & shares ISA" data-event-component="topnav" data-event-name="Investing: Ways to invest: Invest in an ISA"> Stocks & shares ISA </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/funds/" aria-label="Invest in funds" data-event-component="topnav" data-event-name="Investing: Ways to invest: Invest in funds"> Invest in funds </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/products/invest-direct/" aria-label="Invest in shares" data-event-component="topnav" data-event-name="Investing: Ways to invest: Invest in invest-direct"> Invest in shares </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/products/" aria-label="See all investments" data-event-component="topnav" data-event-name="Investing: Ways to invest: Invest in products"> See all investments </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/investments/advice/" data-event-component="topnav" data-event-name="Investing: Your advice options" class="doormat-heading-link"> <h2 class="doormat-heading">Advice</h2> </a> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/investments/advice/financial-advice/" aria-label="Financial advice" data-event-component="topnav" data-event-name="Investing: Your advice options: Financial advice"> Financial advice </a> </li> <li> <a href="/investments/advice/premier-investment-management-service/" aria-label="Premier investment management" data-event-component="topnav" data-event-name="Investing: Your advice options: Premier investment management"> Premier investment management </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/protection-advice/" aria-label="Protection advice" data-event-component="topnav" data-event-name="Investing: Your advice options: Protection advice"> Protection advice </a> </li> </ul> </div> <div class="links-group"> <a href="https://www.hsbc.co.uk/retirement/" data-event-component="topnav" data-event-name="Investing: Visualise your retirement" class="doormat-heading-link"> <h2 class="doormat-heading">Retirement</h2> </a> <ul class="doormat-links"> <li> <a href="https://retirementcalculator.hsbc.co.uk" aria-label="Retirement calculator" data-event-component="topnav" data-event-name="Investing: Visualise your retirement: Retirement calculator"> Retirement calculator </a> </li> <li> <a href="https://www.hsbc.co.uk/retirement/investing-for-retirement/" aria-label="Investing for retirement" data-event-component="topnav" data-event-name="Investing: Visualise your retirement: Investing for retirement"> Investing for retirement </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/wealth/planning/" data-event-component="topnav" data-event-name="Investing: Improve your knowledge " class="doormat-heading-link"> <h2 class="doormat-heading">Wealth planning </h2> </a> <ul class="doormat-links"> <li> <a href="/wealth/planning/future-planner/" aria-label="Future Planner " data-event-component="topnav" data-event-name="Future Planner "> Future Planner </a> </li> <li> <a href="/investments/goal-based-investing/" aria-label="Investment goals" data-event-component="topnav" data-event-name="Investing: Ways to invest: Investment goals"> Investment goals </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/financial-action-plan" aria-label="Your financial action plan" data-event-component="topnav" data-event-name="Investing: Invest in yourself: Your financial action plan"> Your financial action plan </a> </li> <li> <a href="/wealth/investment-calculator/" aria-label="Investment calculator" data-event-component="topnav" data-event-name="Investing: Invest in yourself: Investment calculator"> Investment calculator </a> </li> <li> <a href="/wealth/education-calculator/" aria-label="Children’s education calculator" data-event-component="topnav" data-event-name="investing: improve your knowledge: children's education calculator"> Children’s education calculator </a> </li> <li> <a href="https://www.hsbc.co.uk/wealth/insights/" aria-label="Wealth Insights" data-event-component="topnav" data-event-name="Investing: Invest in yourself: HSBC Wealth insights"> Wealth Insights </a> </li> </ul> </div> <div class="links-group"> <ul class="doormat-links"> </ul> </div> </div> </div> </div> </div> <div class="doormat-highlight sm-12 lg-3"> <div class="doormat-highlight-menu"> <div> <div class="links-group"> <h2 class="doormat-heading">Already investing with us?</h2> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/investments/existing-customers/" aria-label="Manage your investments" data-event-component="topnav" data-event-name="Investing: Already investing with us?: Manage your investments"> Manage your investments </a> </li> <li> <a href="/investments/existing-customers/goal-based-investing/" aria-label="How to use investment goals" data-event-component="topnav" data-event-name="Investing: Already investing with us?: How to use investment goals"> How to use investment goals </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/existing-customers/global-investment-centre/" aria-label="How to use our Global Investment Centre" data-event-component="topnav" data-event-name="Investing: Already investing with us?: How to buy and sell funds"> How to use our Global Investment Centre </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/existing-customers/invest-direct/" aria-label="How to use InvestDirect" data-event-component="topnav" data-event-name="Investing: Already investing with us?: How to buy and sell shares"> How to use InvestDirect </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/products/onshore-investment-bond/" aria-label="Onshore Investment Bond" data-event-component="topnav" data-event-name="Investing: Already investing with us?: Onshore Investment Bond"> Onshore Investment Bond </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/products/child-trust-fund/" aria-label="Child Trust Fund" data-event-component="topnav" data-event-name="Investing:Already investing with us?: Child Trust Fund"> Child Trust Fund </a> </li> <li> <a href="/investments/existing-customers/flexible-retirement-account/" aria-label="Manage your Flexible Retirement Account" data-event-component="topnav" data-event-name="Investing: Already investing with us?: Manage your Flexible Retirement Account"> Manage your Flexible Retirement Account </a> </li> </ul> </div> </div> </div> </div> </div> </div> </li> <li class="header-main-navigation-item" tabindex="0"> <div data-target="header-doormat-3" class="header-mobile-doormat-3 header-doormat-mobile-title sidebar-submenu-trigger"> <span class="icon icon-insurance hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-title">Insurance</span> <span class="icon icon-chevron-right hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-subtitle">Property & family</span> </div> <div aria-hidden="true" class="doormat-menu" data-source="header-doormat-3"> <div class="doormat-container row"> <div class="doormat-main sm-12 lg-9"> <div class="row"> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="/insurance/" data-event-component="topnav" data-event-name="Insurance: Insurance" class="doormat-heading-link"> <h2 class="doormat-heading">Insurance</h2> </a> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/insurance/home/" aria-label="Home Insurance" data-event-component="topnav" data-event-name="Insurance: Insurance: Home Insurance"> Home Insurance </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/contents/" aria-label="Contents Insurance" data-event-component="topnav" data-event-name="Insurance: Insurance: Contents Insurance"> Contents Insurance </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/travel/" aria-label="Travel Insurance" data-event-component="topnav" data-event-name="Banking: Insurance: Travel Insurance"> Travel Insurance </a> </li> <li> <a href="https://www.business.hsbc.uk/en-gb/products-and-solutions/insurance" aria-label="Small Business Insurance" data-event-component="topnav" data-event-name="Banking: Insurance: Small Business Insurance"> Small Business Insurance </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/" aria-label="See all insurance" data-event-component="topnav" data-event-name="Insurance: Insurance: See all insurance"> See all insurance </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/insurance/life/" data-event-component="topnav" data-event-name="Insurance: Life:" class="doormat-heading-link"> <h2 class="doormat-heading">Life</h2> </a> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/insurance/products/life-cover/" aria-label="Life Cover" data-event-component="topnav" data-event-name="Insurance: Life: Life Cover"> Life Cover </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/critical-illness-cover/" aria-label="Critical Illness Cover" data-event-component="topnav" data-event-name="Insurance: Life: Critical Illness Cover"> Critical Illness Cover </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/income-protection/" aria-label="Income Protection Insurance" data-event-component="topnav" data-event-name="Insurance: Life: Income Protection Insurance"> Income Protection Insurance </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/protection-advice/" aria-label="Protection advice" data-event-component="topnav" data-event-name="Insurance: Life: Protection advice"> Protection advice </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/life/" aria-label="See all life insurance" data-event-component="topnav" data-event-name="Insurance: Life: See all life insurance products"> See all life insurance </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <h2 class="doormat-heading">Claims</h2> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/insurance/products/select-and-cover" aria-label="Select and Cover claims"> Select and Cover claims </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/home/claims/" aria-label="Home Insurance claims"> Home Insurance claims </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/life/claims/" aria-label="Life Insurance claims" data-event-component="topnav" data-event-name="Insurance: Claims: Life Insurance claims"> Life Insurance claims </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/travel/claims/" aria-label="Travel Insurance claims" data-event-component="topnav" data-event-name="Insurance: Claims: Travel Insurance claims"> Travel Insurance claims </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/aspects/claims/" aria-label="Aspects Insurance claims" data-event-component="topnav" data-event-name="Insurance: Claims: Aspects Insurance claims"> Aspects Insurance claims </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/travel/claims/" aria-label="Premier Travel Insurance claims" data-event-component="topnav" data-event-name="Insurance: Claims: Premier Travel Insurance claims"> Premier Travel Insurance claims </a> </li> </ul> </div> </div> </div> </div> </div> <div class="doormat-highlight sm-12 lg-3"> <div class="doormat-highlight-menu"> <div> <div class="links-group"> <h2 class="doormat-heading">Already insured by us? </h2> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/insurance/home/claims/" aria-label="Home Insurance support" data-event-component="topnav" data-event-name="Insurance: Already insured by us?: Home Insurance support"> Home Insurance support </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/life/claims/" aria-label="Life Insurance support" data-event-component="topnav" data-event-name="Insurance: Already insured by us?: Life Insurance support"> Life Insurance support </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/premier-travel/" aria-label="Premier Travel support" data-event-component="topnav" data-event-name="Insurance: Already insured by us?: Premier Travel support"> Premier Travel support </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/aspects/" aria-label="Aspects Insurance support" 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class="O-HEROCARD-RW-RBWM"> <h1 class="crh-hero-banner__main-header A-TYPS1R-RW-DEV text-container text "> <span class="A-TYPS1L-RW-DEV">Ready-made portfolios</span> </h1> <div id="pp_intro_hero_description_1"> <div class="crh-hero-banner__main-lead A-TYPS5R-RW-DEV text-container text "> The HSBC Global Strategy Portfolios contain a mix of investments that are managed on your behalf. </div> </div> <div class="crh-hero-banner__main-buttons-wrapper"> </div> </div> </div> </div> <div class="crh-hero-banner__main-image-wrapper "> <div class="M-IMG-RW-DEV"> <div id="pp_intro_image_1" class="smart-image"> <figure class="smart-image-figure"> <picture id="pp_intro_image_2"> <source srcset="/content/dam/hsbc/en/images/16-9/studio-person-1-global.jpg/jcr:content/renditions/cq5dam.web.1280.1280.jpeg 1x" media="(min-width: 960px)"/> <source srcset="/content/dam/hsbc/en/images/16-9/studio-person-1-global.jpg/jcr:content/renditions/cq5dam.web.1220.1000.jpeg 1x" media="(min-width: 480px)"/> <source 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class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <h2 class="heading A-TYP28L-RW-ALL remove-bottom-space" id="pp_tools_heading_1"> Take the hassle out of investing </h2> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_1" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL">New to investing, or just looking for a more convenient way to invest? Choose an HSBC ready-made portfolio – a fund with a mix of investments that's managed on your behalf.</p> <p class="A-PAR16R-RW-ALL">Each portfolio has a different level of risk and expected reward. Just select your preferred level of risk and our team of experts will take care of the rest.</p> <p class="A-PAR16R-RW-ALL">Before you invest, you should build up 3-6 months of living costs to fall back on, so that you're less likely to dip into your investment to cover for anything unexpected.  </p> <p class="A-PAR16R-RW-ALL">Remember, investing has its ups and downs and – so you could get back less than you invest.</p> </div></div> </div> <div id="pp_tools_columnControlColumn_2" class="cc-column"> </div> </div> </div> </div> <div class="O-SMARTSPCGEN-DEV in-page-promo"> <div id="pp_tools_inPage_promo_1" class="in-page-promo--pearl img-small img-left clearfix"> <div class="in-page-promo__image-container "> <div class="image"><div class="img-container"> <div class="M-IMG-RW-DEV"> <div id="pp_tools_image_1" class="smart-image"> <figure class="smart-image-figure"> <picture id="pp_tools_image_2"> <source srcset="/content/dam/hsbc/gb/images/16-9/16060-white-gift-box-800x450.jpg 1x" media="(min-width: 960px)"/> <source srcset="/content/dam/hsbc/gb/images/16-9/16060-white-gift-box-800x450.jpg 1x" media="(min-width: 480px)"/> <source srcset="/content/dam/hsbc/gb/images/16-9/16060-white-gift-box-800x450.jpg/jcr:content/renditions/cq5dam.web.490.1000.jpeg 1x"/> <img id="pp_tools_image_3" class="A-IMAGE-RW-ALL smart-image-img" role="img" src="/content/dam/hsbc/gb/images/16-9/16060-white-gift-box-800x450.jpg" alt/> </picture> </figure> </div> </div> </div></div> </div> <div class="in-page-promo__text-container"> <div class="in-page-promo__wrapper m-xsm-12 m-mdsm-10 m-md-8"> <div class="in-page-promo__title "> <h3 class="A-TYPS3L-RW-DEV text-container text "> Win £40,000 with HSBC Premier </h3> <div class="in-page-promo__subtitle"> <p class="A-TYPS5R-RW-DEV text-container text "> <p>Invest £1,000 or more in a fund or across a mix of funds by <strong>31 March 2025</strong> for your chance to win £40,000 – our exclusive offer for HSBC Premier customers.</p> <p>Capital at risk. You should aim to invest for at least 5 years.</p> </p> </div> </div> <div class="action-buttons"> <div class="secondary-button"> <div> <a class="A-BTNSS-RW-ALL" href="/content/dam/hsbc/gb/pdf/hsbc-investment-prize-draw-winter-2025-terms-and-conditions.pdf" target="_blank" rel="noopener " id="pp_tools_button_1" data-event-component="button" data-event-name="Find out more"> <span aria-hidden="true">Find out more</span> <span class="visuallyhidden">Find out more about the investment Premier Prize draw (PDF) This link will open in a new window</span> </a> </div> </div> </div> <div class="in-page-promo__small"> <div class="A-TYPS7R-RW-DEV text-container text "> T&Cs and fees apply. </div> </div> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_2"> <div class="cc cc-columns-66-33 "> <div id="pp_tools_columnControlColumn_3" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="take-a-closer-look"></div> <h2 class="heading A-TYP28L-RW-ALL remove-bottom-space" id="pp_tools_heading_2"> Take a closer look </h2> </div> </div> <div id="pp_tools_columnControlColumn_4" class="cc-column"> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_3"> <div class="cc cc-columns-25-25-25-25 "> <div id="pp_tools_columnControlColumn_5" class="cc-column"> <div class="M-IMG-RW-DEV"> <div id="pp_tools_image_4" class="crh-smart-image "> <div class="crh-media-aspect-ratio-container"> <picture id="pp_tools_image_5"> <source srcset="/content/dam/hsbc/en/images/pictograms/white-bg/16-9-tile/multi-channels-trading.jpg 1x" media="(min-width: 960px)"/> <source srcset="/content/dam/hsbc/en/images/pictograms/white-bg/16-9-tile/multi-channels-trading.jpg 1x" media="(min-width: 480px)"/> <source srcset="/content/dam/hsbc/en/images/pictograms/white-bg/16-9-tile/multi-channels-trading.jpg/jcr:content/renditions/cq5dam.web.490.1000.jpeg 1x"/> <img id="pp_tools_image_6" class="A-IMAGE-RW-ALL crh-media-aspect-ratio-container__media-inside" role="img" src="/content/dam/hsbc/en/images/pictograms/white-bg/16-9-tile/multi-channels-trading.jpg" alt/> </picture> </div> </div> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="pp_tools_heading_3"> Mix of global investments </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_2" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL">Our portfolios contain a mix of investments from over 50 different countries, giving you access to a world of opportunities.</p> </div></div> </div> <div id="pp_tools_columnControlColumn_6" class="cc-column"> <div class="M-IMG-RW-DEV"> <div id="pp_tools_image_7" class="crh-smart-image "> <div class="crh-media-aspect-ratio-container"> <picture id="pp_tools_image_8"> <source srcset="/content/dam/hsbc/en/images/pictograms/white-bg/16-9-tile/meeting.jpg 1x" media="(min-width: 960px)"/> <source srcset="/content/dam/hsbc/en/images/pictograms/white-bg/16-9-tile/meeting.jpg 1x" media="(min-width: 480px)"/> <source srcset="/content/dam/hsbc/en/images/pictograms/white-bg/16-9-tile/meeting.jpg/jcr:content/renditions/cq5dam.web.490.1000.jpeg 1x"/> <img id="pp_tools_image_9" class="A-IMAGE-RW-ALL crh-media-aspect-ratio-container__media-inside" role="img" src="/content/dam/hsbc/en/images/pictograms/white-bg/16-9-tile/meeting.jpg" alt/> </picture> </div> </div> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="pp_tools_heading_4"> Managed by specialists </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_3" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL">Your portfolio will be managed by our investment specialists. Just choose your preferred level of risk and they'll take care of the rest. </p> </div></div> </div> <div id="pp_tools_columnControlColumn_7" class="cc-column"> <div class="M-IMG-RW-DEV"> <div id="pp_tools_image_10" class="crh-smart-image "> <div class="crh-media-aspect-ratio-container"> <picture id="pp_tools_image_11"> <source srcset="/content/dam/hsbc/en/images/pictograms/white-bg/16-9-tile/savings.jpg 1x" media="(min-width: 960px)"/> <source srcset="/content/dam/hsbc/en/images/pictograms/white-bg/16-9-tile/savings.jpg 1x" media="(min-width: 480px)"/> <source srcset="/content/dam/hsbc/en/images/pictograms/white-bg/16-9-tile/savings.jpg/jcr:content/renditions/cq5dam.web.490.1000.jpeg 1x"/> <img id="pp_tools_image_12" class="A-IMAGE-RW-ALL crh-media-aspect-ratio-container__media-inside" role="img" src="/content/dam/hsbc/en/images/pictograms/white-bg/16-9-tile/savings.jpg" alt/> </picture> </div> </div> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="pp_tools_heading_5"> Easy access to your money </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_4" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL">We recommend you aim to invest for at least 5 years. But your money isn't locked away – you can sell your investments and the money will be in your account within 5 days.</p> </div></div> </div> <div id="pp_tools_columnControlColumn_8" class="cc-column"> <div class="M-IMG-RW-DEV"> <div id="pp_tools_image_13" class="crh-smart-image "> <div class="crh-media-aspect-ratio-container"> <picture id="pp_tools_image_14"> <source srcset="/content/dam/hsbc/en/images/pictograms/white-bg/16-9-tile/9798-flexible-trading-anywhere-800x450.jpg 1x" media="(min-width: 960px)"/> <source srcset="/content/dam/hsbc/en/images/pictograms/white-bg/16-9-tile/9798-flexible-trading-anywhere-800x450.jpg 1x" media="(min-width: 480px)"/> <source srcset="/content/dam/hsbc/en/images/pictograms/white-bg/16-9-tile/9798-flexible-trading-anywhere-800x450.jpg/jcr:content/renditions/cq5dam.web.490.1000.jpeg 1x"/> <img id="pp_tools_image_15" class="A-IMAGE-RW-ALL crh-media-aspect-ratio-container__media-inside" role="img" src="/content/dam/hsbc/en/images/pictograms/white-bg/16-9-tile/9798-flexible-trading-anywhere-800x450.jpg" alt/> </picture> </div> </div> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="pp_tools_heading_6"> Invest in a few steps </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_5" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL">You can invest here on the website or from your app. Then, track and manage your portfolio in the app, wherever you are. </p> </div></div> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_4"> <div class="cc cc-columns-66-33 "> <div id="pp_tools_columnControlColumn_9" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="more-reasons-to-invest"></div> <h2 class="heading A-TYP28L-RW-ALL remove-bottom-space" id="pp_tools_heading_7"> More reasons to invest </h2> </div> </div> <div id="pp_tools_columnControlColumn_10" class="cc-column"> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_5"> <div class="cc cc-columns-50-50 "> <div id="pp_tools_columnControlColumn_11" class="cc-column"> <div class="O-ADVLST-RW-DEV O-SMARTSPCGEN-DEV clearfix"><div id="pp_tools_advancedList_1"> <ul class="list advanced-list"> <li class="element M-SMARTSPCGENELEMENT-DEV"><div class="list-item" id="pp_tools_advancedListElement_1"> <span class="icon-container"> <i class="icon icon-agree green" aria-hidden="true"></i> </span> <div class="A-TYP16BL-RW-ALL text-container text "> Start investing with £50 </div> <div class="A-PAR14R-RW-ALL description text-container text "> Invest in a portfolio with £50 and choose to set up regular payments after your first investment. </div> </div> </li> <li class="element M-SMARTSPCGENELEMENT-DEV"><div class="list-item" id="pp_tools_advancedListElement_2"> <span class="icon-container"> <i class="icon icon-agree green" aria-hidden="true"></i> </span> <div class="A-TYP16BL-RW-ALL text-container text "> Invest with an ISA </div> <div class="A-PAR14R-RW-ALL description text-container text "> Invest up to £20,000 per tax year with a stocks & shares ISA, without paying UK income or capital gains tax on any growth. </div> </div> </li> </ul> <div class="disclaimer"> </div> </div></div> </div> <div id="pp_tools_columnControlColumn_12" class="cc-column"> <div class="O-ADVLST-RW-DEV O-SMARTSPCGEN-DEV clearfix"><div id="pp_tools_advancedList_2"> <ul class="list advanced-list"> <li class="element M-SMARTSPCGENELEMENT-DEV"><div class="list-item" id="pp_tools_advancedListElement_3"> <span class="icon-container"> <i class="icon icon-agree green" aria-hidden="true"></i> </span> <div class="A-TYP16BL-RW-ALL text-container text "> Join other investors </div> <div class="A-PAR14R-RW-ALL description text-container text "> Join almost 300,000 people in the UK who are already investing with us </div> </div> </li> </ul> <div class="disclaimer"> </div> </div></div> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_6"> <div class="cc cc-columns-66-33 "> <div id="pp_tools_columnControlColumn_13" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_6" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL">Keep in mind, tax benefits will depend on your circumstances and tax rules may change in the future.</p> </div></div> </div> <div id="pp_tools_columnControlColumn_14" class="cc-column"> </div> </div> </div> </div> </div> </div> <div class="row with-bg"> <div class="sm-12"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_main_columnControl_1"> <div class="cc cc-columns-66-33 "> <div id="pp_main_columnControlColumn_1" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="dollar-invest-from-your-app-productoffersummaryinfotitle"></div> <h2 class="heading A-TYP28L-RW-ALL remove-bottom-space" id="pp_main_heading_1"> An award-winning way to invest </h2> </div> </div> <div id="pp_main_columnControlColumn_2" class="cc-column"> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_main_columnControl_2"> <div class="cc cc-columns-33-66 "> <div id="pp_main_columnControlColumn_3" class="cc-column"> <div class="M-IMG-RW-DEV O-SMARTSPCGEN-DEV"> <div id="pp_main_image_1" class="smart-image"> <figure class="smart-image-figure"> <picture id="pp_main_image_2"> <source srcset="/content/dam/hsbc/gb/messages/email/salesforce/personal-banking/full-width-tile/13264-full-width-tiles-wealth-awards-660x496.jpg 1x" media="(min-width: 960px)"/> <source srcset="/content/dam/hsbc/gb/messages/email/salesforce/personal-banking/full-width-tile/13264-full-width-tiles-wealth-awards-660x496.jpg 1x" media="(min-width: 480px)"/> <source srcset="/content/dam/hsbc/gb/messages/email/salesforce/personal-banking/full-width-tile/13264-full-width-tiles-wealth-awards-660x496.jpg/jcr:content/renditions/cq5dam.web.490.1000.jpeg 1x"/> <img id="pp_main_image_3" class="A-IMAGE-RW-ALL smart-image-img" role="img" src="/content/dam/hsbc/gb/messages/email/salesforce/personal-banking/full-width-tile/13264-full-width-tiles-wealth-awards-660x496.jpg" alt="The Banker Innovation in Digital Banking Awards 2023 Winner Mobile and Boring Money Best For Customer Service 2024 award "/> </picture> </figure> </div> </div> </div> <div id="pp_main_columnControlColumn_4" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="invest-online-or-straight-through-your-app"></div> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="pp_main_heading_2"> Invest online or straight through your app </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_main_richtext_1" class="remove-bottom-space A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL"><p>We're delighted to have won awards for how easy it is to invest through our app and for our dedicated investment customer service.</p> <p>Why not try investing with the app yourself?</p> <p>Just open scroll past your accounts in the app and select 'Investments' to get started.</p> </p> </div></div> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_main_columnControl_3"> <div class="cc cc-columns-66-33 "> <div id="pp_main_columnControlColumn_5" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <h2 class="heading A-TYP28L-RW-ALL remove-bottom-space" id="pp_main_heading_3"> Who can apply? </h2> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_main_richtext_2" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL">You can invest in a ready-made portfolio if:</p> <ul class="A-LSTU-RW-ALL"> <li>you’ve got an HSBC <a href="/current-accounts/" target="_self">current account</a> or <a href="/savings/" target="_self">savings account</a> (excludes Online Bonus Saver and Fixed-rate Saver)<br> </li> <li>you’re at least 18 years old<br> </li> <li>you're a UK resident<br> </li> <li>you’re not a US national/citizen/resident (eg a US passport holder)</li> <li>you've got at least £50 to invest</li> </ul> </div></div> </div> <div id="pp_main_columnControlColumn_6" class="cc-column"> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_main_columnControl_4"> <div class="cc cc-columns-66-33 "> <div id="pp_main_columnControlColumn_7" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="before-you-apply"></div> <h2 class="heading A-TYP28L-RW-ALL remove-bottom-space" id="pp_main_heading_4"> Before you apply </h2> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="do-you-need-to-tell-us-about-your-personal-situation"></div> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="pp_main_heading_5"> Do you need to tell us about your personal situation? </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_main_richtext_3" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL">We want you to be comfortable with any investment choice you make.</p> <p class="A-PAR16R-RW-ALL">So, if you might be experiencing something that could impact your decisions, from a mental or physical health condition to a change in your life at home, you can get in touch with our Wealth team who can better understand your situation and can offer support.</p> </div></div> <div class="O-SMARTSPCGEN-DEV M-CONTMAST-RW-RBWM links"> <div> <ul id="pp_main_links_1" class="links-list"> <li> <div id="pp_main_link_1" class="link-container"> <a class="A-LNKST-RW-ALL" href="/investments/existing-customers/investment-support/" target="_self"> <span class="link"> Speak to our Wealth team </span> <span class="icon icon-chevron-right" aria-hidden="true"></span> </a> </div> </li> </ul> </div></div> <div class="O-SMARTSPCGEN-DEV O-ACCRD-RW-RBWM row"><div> <div id="pp_main_accordion_1" class="accordions-container sm-12"> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="pp_main_advanced_expander_1" class="sm-12 clear-float"> <div class="A-EXPCNT-RW-RBWM expander"> <div class="dropdown" aria-controls="1697244952__panel0" role="button" tabindex="0"> <h4 id="1697244952__tab0" class="dropdown-text ">Other support for your banking </h4> <span class="chevron"></span> </div> <section id="1697244952__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_main_columnControl_5"> <div class="cc cc-columns-100 "> <div id="pp_main_columnControlColumn_8" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_main_richtext_4" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL">To make an adjustment to any of your other banking with us, tell us what support you need and we can make your banking work best for you. </p> <p class="A-PAR16R-RW-ALL">This could be support for:</p> <ul class="A-LSTU-RW-ALL"> <li>How we communicate with you</li> <li>Taking control of your finances</li> <li>Third party support</li> <li>A change to your personal circumstances</li> </ul> </div></div> <div class="O-SMARTSPCGEN-DEV M-CONTMAST-RW-RBWM links"> <div> <ul id="pp_main_links_2" class="links-list"> <li> <div id="pp_main_link_2" class="link-container"> <a class="A-LNKST-RW-ALL" href="/accessibility/tell-us-your-needs/#register-your-support-needs" target="_self"> <span class="link"> Tell us about your needs </span> <span class="icon icon-chevron-right" aria-hidden="true"></span> </a> </div> </li> </ul> </div></div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </div> </div></div> </div> <div id="pp_main_columnControlColumn_9" class="cc-column"> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_main_columnControl_6"> <div class="cc cc-columns-66-33 "> <div id="pp_main_columnControlColumn_10" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <h2 class="heading A-TYP28L-RW-ALL remove-bottom-space" id="pp_main_heading_6"> Fees </h2> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_main_richtext_5" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL">There's no fee to open a stocks & shares ISA or a general investment account.</p> <p class="A-PAR16R-RW-ALL">There's also no fee to withdraw money from your investments. But there will be ongoing charges, which we'll automatically take each quarter.</p> <p class="A-PAR16R-RW-ALL">Before investing, you can read the 'Costs and Charges' PDF for an estimate of the charges that may apply for that portfolio.</p> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="account-fee"></div> <h3 class="heading A-TYP14B-RW-ALL remove-bottom-space" id="pp_main_heading_7"> Account fee </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_main_richtext_6" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL">This is 0.25% of the value of the investments, taken quarterly from your nominated HSBC account. For example, a £1,000 investment would have a £2.50 account fee.</p> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="fund-management-charge"></div> <h3 class="heading A-TYP14B-RW-ALL remove-bottom-space" id="pp_main_heading_8"> Fund management charge </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_main_richtext_7" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL">This charge varies depending on the fund you choose and is calculated as a percentage of your investment. It is taken by the fund manager, which means you don't have to pay it directly, as it's reflected in the valuation of the fund.</p> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="ready-to-invest"></div> <h2 class="heading A-TYP28L-RW-ALL remove-bottom-space" id="pp_main_heading_9"> Ready to invest? </h2> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_main_richtext_8" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL">Here's how to get started:</p> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="1-decide-how-you-feel-about-risk"></div> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="pp_main_heading_10"> 1. Decide how you feel about risk </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_main_richtext_9" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL">Select the portfolio with the risk level you're most comfortable with. Risk level 1 is the lowest and 5 is the highest. This indicates the investment's potential risk and reward.</p> </div></div> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="pp_main_advanced_expander_2" class="sm-12 clear-float"> <div class="A-LNKE-RW-ALL expander"> <div class="dropdown" aria-controls="-1336695711__panel0" role="button" tabindex="0"> <h4 id="-1336695711__tab0" class="dropdown-text ">What do we mean by 'risk level'? </h4> <span class="chevron"></span> </div> <section id="-1336695711__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_main_columnControl_7"> <div class="cc cc-columns-100 "> <div id="pp_main_columnControlColumn_11" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_main_richtext_10" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL">Use these descriptions to help you decide how you feel about risk. Then, choose the portfolio with the risk level that best suits you. </p> <p class="A-PAR16R-RW-ALL"><strong>Very low</strong> – you're generally ok with a very low level of potential return on your investment, along with a very low risk of investment loss.</p> <p class="A-PAR16R-RW-ALL"><strong>Low – </strong>you're generally ok with a low level of potential return on your investment, along with a low risk of investment loss.</p> <p class="A-PAR16R-RW-ALL"><strong>Balanced</strong> – you're generally ok with a medium level of potential return on your investment, along with a medium risk of investment loss.</p> <p class="A-PAR16R-RW-ALL"><strong>High</strong> – you're generally ok with a high level of potential return on your investment, along with a high risk of investment loss.</p> <p class="A-PAR16R-RW-ALL"><strong>Very High –</strong> you're generally ok with a very high level of potential return on your investment, along with a very high risk of investment loss.</p> </div></div> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="2-choose-which-account-youd-like-to-apply-for"></div> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="pp_main_heading_11"> 2. Choose which account you'd like to apply for </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_main_richtext_11" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL">Decide which investment account you'd like to apply for – a stocks & shares ISA or a general investment account (GIA). Alongside your investment account, an Uninvested Cash Account (UCA) will also be opened for you.</p> </div></div> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="pp_main_advanced_expander_3" class="sm-12 clear-float"> <div class="A-LNKE-RW-ALL expander"> <div class="dropdown" aria-controls="-389379778__panel0" role="button" tabindex="0"> <h3 id="-389379778__tab0" class="dropdown-text ">What's a stocks & shares ISA or a general investment account (GIA)? </h3> <span class="chevron"></span> </div> <section id="-389379778__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_main_columnControl_8"> <div class="cc cc-columns-100 "> <div id="pp_main_columnControlColumn_12" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="stocks-shares-isa-individual-savings-account"></div> <h4 class="heading A-TYP14B-RW-ALL remove-bottom-space" id="pp_main_heading_12"> Stocks & shares ISA (Individual Savings Account) </h4> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_main_richtext_12" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL">A stocks & shares ISA is an account that you can open for your investments.</p> <p class="A-PAR16R-RW-ALL">You can invest up to £20,000 each tax year without paying any UK income tax or capital gains tax on any income or growth.</p> <p class="A-PAR16R-RW-ALL">You can open a stocks & shares ISA if:</p> <ul class="A-LSTU-RW-ALL"> <li>You don’t already have an HSBC or first direct stocks & shares ISA for the current tax year (you can still have a cash ISA or another type of ISA)</li> <li>You’ve not reached your £20,000 ISA limit for the current tax year</li> </ul> <p class="A-PAR16R-RW-ALL">Keep in mind, tax rules can also change and any benefits will depend on your individual circumstances.</p> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="general-investment-account-gia"></div> <h4 class="heading A-TYP14B-RW-ALL remove-bottom-space" id="pp_main_heading_13"> General investment account (GIA) </h4> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_main_richtext_13" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL">A general investment account is a basic investment account with no tax-efficiencies. You can choose to open a GIA if:</p> <ul class="A-LSTU-RW-ALL"> <li>You’ve already subscribed to another HSBC or first direct stocks & shares ISA this current tax year, or</li> <li>You've reached the overall £20,000 ISA limit</li> <li>This is your preferred option</li> </ul> </div></div> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="pp_main_advanced_expander_4" class="sm-12 clear-float"> <div class="A-LNKE-RW-ALL expander"> <div class="dropdown" aria-controls="1590871329__panel0" role="button" tabindex="0"> <h4 id="1590871329__tab0" class="dropdown-text ">What's an Uninvested Cash Account (UCA)? </h4> <span class="chevron"></span> </div> <section id="1590871329__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_main_columnControl_9"> <div class="cc cc-columns-100 "> <div id="pp_main_columnControlColumn_13" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_main_richtext_14" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL">A UCA is the default account you’ll use to hold cash whilst waiting to invest, to receive the proceeds of any sales and to receive income or other payments.</p> <p class="A-PAR16R-RW-ALL">We don't pay any interest on your UCA, because it isn’t intended as a place to hold cash for the long-term.</p> </div></div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </div> <div id="pp_main_columnControlColumn_14" class="cc-column"> </div> </div> </div> </div> <div class="O-SMARTSPCGEN-DEV"><div> <div class="O-MASTERTILE-DEV title-hidden"> <div class="row"> <div class="container sm-12 md-12 lg-4"> <div class="M-MASTERTILEITEM-DEV"><div id="pp_main_tile_1" class="A-PNL-RW-ALL"> <div class="image-wrapper"> <picture id="pp_main_image_4"> <source srcset="/content/dam/hsbc/en/wealth/images/graphs/9377-regular-portfolios-graphs-cautious.jpg/jcr:content/renditions/cq5dam.web.590.1000.jpeg 1x, /content/dam/hsbc/en/wealth/images/graphs/9377-regular-portfolios-graphs-cautious.jpg/jcr:content/renditions/cq5dam.web.1220.1000.jpeg 2x" media="(min-width: 960px)"/> <source srcset="/content/dam/hsbc/en/wealth/images/graphs/9377-regular-portfolios-graphs-cautious.jpg/jcr:content/renditions/cq5dam.web.430.1000.jpeg 1x, /content/dam/hsbc/en/wealth/images/graphs/9377-regular-portfolios-graphs-cautious.jpg/jcr:content/renditions/cq5dam.web.880.1000.jpeg 2x" media="(min-width: 480px)"/> <source srcset="/content/dam/hsbc/en/wealth/images/graphs/9377-regular-portfolios-graphs-cautious.jpg/jcr:content/renditions/cq5dam.web.230.1000.jpeg 1x, /content/dam/hsbc/en/wealth/images/graphs/9377-regular-portfolios-graphs-cautious.jpg/jcr:content/renditions/cq5dam.web.490.1000.jpeg 2x"/> <img id="pp_main_image_5" class="A-IMAGE-RW-ALL " src="/content/dam/hsbc/en/wealth/images/graphs/9377-regular-portfolios-graphs-cautious.jpg" alt="Cautious portfolio pie chart, showing Equities at 16%, Property 2%, Cash 2% and Bonds 80%."/> </picture> </div> <div class="heading"> <h3 class="A-TYP28L-RW-ALL"> Cautious</h3> </div> <div class="A-PAR16R-RW-ALL rich-text"> <p><strong>Risk level:</strong> 1 out of 5 </p> <p>The Cautious fund is invested across global markets with a strong bias towards bonds.</p> <p> </p> <p><a href="http://doc.morningstar.com/LatestDoc.aspx?clientid=hsbcuk&key=d18e74ef5518182c&documenttype=327&investmentid=F00000OOBJ&investmenttype=1&frame=0" target="_blank" rel="noopener">Cautious Portfolio costs and charges</a></p> <p> </p> <p><a href="https://doc.morningstar.com/LatestDoc.aspx?clientid=hsbcuk&key=d18e74ef5518182c&language=0L00000122&sid=F00000OOBJ&dt=52" target="_blank" rel="noopener">Cautious Portfolio factsheet</a></p> </div> <div class="A-PNLPEARL-RW-ALL"> <div id="pp_main_link_3" class="link-container"> <a class="A-LNKST-RW-ALL" href="https://investments.online-banking.hsbc.co.uk/ao/#/openAndBuy?fundId=B84DV18&accountType=ISA" target="_blank" rel="noopener " data-event-component="text link" data-event-name="button:apply for an isa (cautious portfolio)|component:midshelf_1|position:1"> <span aria-hidden="true" class="link text"> Apply for an ISA (Cautious Portfolio) </span> <span class="icon icon-chevron-right-small" aria-hidden="true"></span> <span class="visuallyhidden">Apply for an ISA (Cautious Portfolio) This link will open in a new window</span> </a> </div> <span class="A-DIVHL-RW-ALL"></span> <div id="pp_main_link_4" class="link-container"> <a class="A-LNKST-RW-ALL" href="https://investments.online-banking.hsbc.co.uk/ao/#/openAndBuy?fundId=B84DV18&accountType=GIA" target="_blank" rel="noopener " data-event-component="text link" data-event-name="button:apply for an gia (cautious portfolio)|component:midshelf_1|position:2"> <span aria-hidden="true" class="link text"> Apply for a GIA (Cautious Portfolio) </span> <span class="icon icon-chevron-right-small" aria-hidden="true"></span> <span class="visuallyhidden">Apply for&nbsp;a GIA (Cautious Portfolio) This link will open in a new window</span> </a> </div> </div> </div> </div> </div> <div class="container sm-12 md-6 lg-4"> <div class="M-MASTERTILEITEM-DEV"><div id="pp_main_tile_2" class="A-PNL-RW-ALL"> <div class="image-wrapper"> <picture id="pp_main_image_6"> <source srcset="/content/dam/hsbc/en/wealth/images/graphs/12696-regular-portfolios-graphs-conservative-960x540.jpg/jcr:content/renditions/cq5dam.web.590.1000.jpeg 1x" media="(min-width: 960px)"/> <source srcset="/content/dam/hsbc/en/wealth/images/graphs/12696-regular-portfolios-graphs-conservative-960x540.jpg/jcr:content/renditions/cq5dam.web.430.1000.jpeg 1x, /content/dam/hsbc/en/wealth/images/graphs/12696-regular-portfolios-graphs-conservative-960x540.jpg/jcr:content/renditions/cq5dam.web.880.1000.jpeg 2x" media="(min-width: 480px)"/> <source srcset="/content/dam/hsbc/en/wealth/images/graphs/12696-regular-portfolios-graphs-conservative-960x540.jpg/jcr:content/renditions/cq5dam.web.230.1000.jpeg 1x, /content/dam/hsbc/en/wealth/images/graphs/12696-regular-portfolios-graphs-conservative-960x540.jpg/jcr:content/renditions/cq5dam.web.490.1000.jpeg 2x"/> <img id="pp_main_image_7" class="A-IMAGE-RW-ALL " src="/content/dam/hsbc/en/wealth/images/graphs/12696-regular-portfolios-graphs-conservative-960x540.jpg" alt="Conservative portfolio pie chart, showing Equities at 33%, Property 4%, Cash 3% and Bonds 60%."/> </picture> </div> <div class="heading"> <h3 class="A-TYP28L-RW-ALL"> Conservative</h3> </div> <div class="A-PAR16R-RW-ALL rich-text"> <p><strong>Risk level:</strong> 2 out of 5 </p> <p>The Conservative fund is invested across global markets with a bias towards bonds.</p> <p> </p> <p><a href="https://doc.morningstar.com/LatestDoc.aspx?clientid=hsbcuk&key=d18e74ef5518182c&documenttype=327&investmentid=F00000ZDXW&investmenttype=1&frame=0" target="_blank" rel="noopener">Conservative Portfolio costs and charges</a></p> <p> </p> <p><a href="https://doc.morningstar.com/LatestDoc.aspx?clientid=hsbcuk&key=d18e74ef5518182c&language=0L00000122&sid=F00000ZDXW&dt=52" target="_blank" rel="noopener">Conservative Portfolio factsheet</a></p> </div> <div class="A-PNLPEARL-RW-ALL"> <div id="pp_main_link_5" class="link-container"> <a class="A-LNKST-RW-ALL" href="https://investments.online-banking.hsbc.co.uk/ao/#/openAndBuy?fundId=BYVXBK2&accountType=ISA" target="_blank" rel="noopener " data-event-component="button" data-event-name="button:apply for an isa (conservative portfolio)|component:midshelf_1|position:3"> <span aria-hidden="true" class="link text"> <strong>Apply for an ISA (Conservative Portfolio)</strong> </span> <span class="icon icon-chevron-right-small" aria-hidden="true"></span> <span class="visuallyhidden"><strong>Apply for&nbsp;an ISA (Conservative Portfolio)</strong> This link will open in a new window</span> </a> </div> <span class="A-DIVHL-RW-ALL"></span> <div id="pp_main_link_6" class="link-container"> <a class="A-LNKST-RW-ALL" href="https://investments.online-banking.hsbc.co.uk/ao/#/openAndBuy?fundId=BYVXBK2&accountType=GIA" target="_blank" rel="noopener " data-event-component="text link" data-event-name="button:apply for an gia (conservative portfolio)|component:midshelf_1|position:4"> <span aria-hidden="true" class="link text"> <strong>Apply for a GIA (Conservative Portfolio)</strong> </span> <span class="icon icon-chevron-right-small" aria-hidden="true"></span> <span class="visuallyhidden"><strong>Apply for&nbsp;a GIA (Conservative Portfolio)</strong> This link will open in a new window</span> </a> </div> </div> </div> </div> </div> <div class="container sm-12 md-6 lg-4"> <div class="M-MASTERTILEITEM-DEV"><div id="pp_main_tile_3" class="A-PNL-RW-ALL"> <div class="image-wrapper"> <picture id="pp_main_image_8"> <source srcset="/content/dam/hsbc/en/wealth/images/graphs/12696-sustainable-portfolios-graphs-balanced-960x540.jpg/jcr:content/renditions/cq5dam.web.590.1000.jpeg 1x" media="(min-width: 960px)"/> <source srcset="/content/dam/hsbc/en/wealth/images/graphs/12696-sustainable-portfolios-graphs-balanced-960x540.jpg/jcr:content/renditions/cq5dam.web.430.1000.jpeg 1x, /content/dam/hsbc/en/wealth/images/graphs/12696-sustainable-portfolios-graphs-balanced-960x540.jpg/jcr:content/renditions/cq5dam.web.880.1000.jpeg 2x" media="(min-width: 480px)"/> <source srcset="/content/dam/hsbc/en/wealth/images/graphs/12696-sustainable-portfolios-graphs-balanced-960x540.jpg/jcr:content/renditions/cq5dam.web.230.1000.jpeg 1x, /content/dam/hsbc/en/wealth/images/graphs/12696-sustainable-portfolios-graphs-balanced-960x540.jpg/jcr:content/renditions/cq5dam.web.490.1000.jpeg 2x"/> <img id="pp_main_image_9" class="A-IMAGE-RW-ALL " src="/content/dam/hsbc/en/wealth/images/graphs/12696-sustainable-portfolios-graphs-balanced-960x540.jpg" alt="Balanced portfolio pie chart, showing Equities at 53%, Property 6%, Cash 2% and Bonds 39%."/> </picture> </div> <div class="heading"> <h3 class="A-TYP28L-RW-ALL"> Balanced</h3> </div> <div class="A-PAR16R-RW-ALL rich-text"> <p><strong>Risk level:</strong> 3 out of 5 </p> <p>The Balanced fund is invested across global markets with a spread of asset types.</p> <p> </p> <p><a href="http://doc.morningstar.com/LatestDoc.aspx?clientid=hsbcuk&key=d18e74ef5518182c&documenttype=327&investmentid=F00000OOBL&investmenttype=1&frame=0" target="_blank" rel="noopener">Balanced Portfolio costs and charges</a></p> <p> </p> <p><a href="https://doc.morningstar.com/LatestDoc.aspx?clientid=hsbcuk&key=d18e74ef5518182c&language=0L00000122&sid=F00000OOBL&dt=52" target="_blank" rel="noopener">Balanced Portfolio factsheet</a></p> </div> <div class="A-PNLPEARL-RW-ALL"> <div id="pp_main_link_7" class="link-container"> <a class="A-LNKST-RW-ALL" href="https://investments.online-banking.hsbc.co.uk/ao/#/openAndBuy?fundId=B76WP69&accountType=ISA" target="_blank" rel="noopener " data-event-component="text link" data-event-name="button:apply for an isa (balanced portfolio)|component:midshelf_1|position:5"> <span aria-hidden="true" class="link text"> <strong>Apply for an ISA (Balanced Portfolio)</strong> </span> <span class="icon icon-chevron-right-small" aria-hidden="true"></span> <span class="visuallyhidden"><strong>Apply for&nbsp;an ISA (Balanced Portfolio)</strong> This link will open in a new window</span> </a> </div> <span class="A-DIVHL-RW-ALL"></span> <div id="pp_main_link_8" class="link-container"> <a class="A-LNKST-RW-ALL" href="https://investments.online-banking.hsbc.co.uk/ao/#/openAndBuy?fundId=B76WP69&accountType=GIA" target="_blank" rel="noopener " data-event-component="text link" data-event-name="button:apply for an gia (balanced portfolio)|component:midshelf_1|position:6"> <span aria-hidden="true" class="link text"> <strong>Apply for a GIA (Balanced Portfolio)</strong> </span> <span class="icon icon-chevron-right-small" aria-hidden="true"></span> <span class="visuallyhidden"><strong>Apply for&nbsp;a&nbsp;GIA (Balanced Portfolio)</strong> This link will open in a new window</span> </a> </div> </div> </div> </div> </div> </div> </div> </div></div> <div class="O-SMARTSPCGEN-DEV"><div> <div class="O-MASTERTILE-DEV title-hidden"> <div class="row"> <div class="container sm-12 md-12 lg-4"> <div class="M-MASTERTILEITEM-DEV"><div id="pp_main_tile_4" class="A-PNL-RW-ALL"> <div class="image-wrapper"> <picture id="pp_main_image_10"> <source srcset="/content/dam/hsbc/en/wealth/images/graphs/12696-regular-portfolios-graphs-dynamic-960x540.jpg/jcr:content/renditions/cq5dam.web.590.1000.jpeg 1x" media="(min-width: 960px)"/> <source srcset="/content/dam/hsbc/en/wealth/images/graphs/12696-regular-portfolios-graphs-dynamic-960x540.jpg/jcr:content/renditions/cq5dam.web.430.1000.jpeg 1x, /content/dam/hsbc/en/wealth/images/graphs/12696-regular-portfolios-graphs-dynamic-960x540.jpg/jcr:content/renditions/cq5dam.web.880.1000.jpeg 2x" media="(min-width: 480px)"/> <source srcset="/content/dam/hsbc/en/wealth/images/graphs/12696-regular-portfolios-graphs-dynamic-960x540.jpg/jcr:content/renditions/cq5dam.web.230.1000.jpeg 1x, /content/dam/hsbc/en/wealth/images/graphs/12696-regular-portfolios-graphs-dynamic-960x540.jpg/jcr:content/renditions/cq5dam.web.490.1000.jpeg 2x"/> <img id="pp_main_image_11" class="A-IMAGE-RW-ALL " src="/content/dam/hsbc/en/wealth/images/graphs/12696-regular-portfolios-graphs-dynamic-960x540.jpg" alt="Dynamic portfolio pie chart, showing Equities at 70%, Property 8%, Cash 2% and Bonds 20%."/> </picture> </div> <div class="heading"> <h3 class="A-TYP28L-RW-ALL"> Dynamic</h3> </div> <div class="A-PAR16R-RW-ALL rich-text"> <p><strong>Risk level:</strong> 4 out of 5</p> <p>The Dynamic fund is invested across global markets with a bias towards equities.</p> <p> </p> <p><a href="https://doc.morningstar.com/LatestDoc.aspx?clientid=hsbcuk&key=d18e74ef5518182c&documenttype=327&investmentid=F00000OOBE&investmenttype" target="_blank" rel="noopener">Dynamic Portfolio costs and charges</a></p> <p> </p> <p><a href="https://doc.morningstar.com/LatestDoc.aspx?clientid=hsbcuk&key=d18e74ef5518182c&language=0L00000122&sid=F00000OOBE&dt=52" target="_blank" rel="noopener">Dynamic Portfolio factsheet</a></p> </div> <div class="A-PNLPEARL-RW-ALL"> <div id="pp_main_link_9" class="link-container"> <a class="A-LNKST-RW-ALL" href="https://investments.online-banking.hsbc.co.uk/ao/#/openAndBuy?fundId=B849DT8&accountType=ISA" target="_blank" rel="noopener " data-event-component="text link" data-event-name="button:apply for an isa (dynamic portfolio)|component:midshelf_1|position:7"> <span aria-hidden="true" class="link text"> Apply for an ISA (Dynamic Portfolio) </span> <span class="icon icon-chevron-right-small" aria-hidden="true"></span> <span class="visuallyhidden">Apply for&nbsp;an ISA (Dynamic Portfolio) This link will open in a new window</span> </a> </div> <span class="A-DIVHL-RW-ALL"></span> <div id="pp_main_link_10" class="link-container"> <a class="A-LNKST-RW-ALL" href="https://investments.online-banking.hsbc.co.uk/ao/#/openAndBuy?fundId=B849DT8&accountType=GIA" target="_blank" rel="noopener " data-event-component="text link" data-event-name="button:apply for an gia (dynamic portfolio)|component:midshelf_1|position:8"> <span aria-hidden="true" class="link text"> Apply for a GIA (Dynamic Portfolio) </span> <span class="icon icon-chevron-right-small" aria-hidden="true"></span> <span class="visuallyhidden">Apply for&nbsp;a GIA (Dynamic Portfolio) This link will open in a new window</span> </a> </div> </div> </div> </div> </div> <div class="container sm-12 md-6 lg-4"> <div class="M-MASTERTILEITEM-DEV"><div id="pp_main_tile_5" class="A-PNL-RW-ALL"> <div class="image-wrapper"> <picture id="pp_main_image_12"> <source srcset="/content/dam/hsbc/en/wealth/images/graphs/12696-regular-portfolios-graphs-adventurous-960x540.jpg/jcr:content/renditions/cq5dam.web.590.1000.jpeg 1x" media="(min-width: 960px)"/> <source srcset="/content/dam/hsbc/en/wealth/images/graphs/12696-regular-portfolios-graphs-adventurous-960x540.jpg/jcr:content/renditions/cq5dam.web.430.1000.jpeg 1x, /content/dam/hsbc/en/wealth/images/graphs/12696-regular-portfolios-graphs-adventurous-960x540.jpg/jcr:content/renditions/cq5dam.web.880.1000.jpeg 2x" media="(min-width: 480px)"/> <source srcset="/content/dam/hsbc/en/wealth/images/graphs/12696-regular-portfolios-graphs-adventurous-960x540.jpg/jcr:content/renditions/cq5dam.web.230.1000.jpeg 1x, /content/dam/hsbc/en/wealth/images/graphs/12696-regular-portfolios-graphs-adventurous-960x540.jpg/jcr:content/renditions/cq5dam.web.490.1000.jpeg 2x"/> <img id="pp_main_image_13" class="A-IMAGE-RW-ALL " src="/content/dam/hsbc/en/wealth/images/graphs/12696-regular-portfolios-graphs-adventurous-960x540.jpg" alt="Adventurous portfolio pie chart showing Equities at 82%, Property 9%, Cash 2% and Bonds 7%."/> </picture> </div> <div class="heading"> <h3 class="A-TYP28L-RW-ALL"> Adventurous</h3> </div> <div class="A-PAR16R-RW-ALL rich-text"> <p><strong>Risk level:</strong> 5 out of 5 </p> <p>The Adventurous fund is invested across global markets with a strong bias towards equities.</p> <p> </p> <p><a href="https://doc.morningstar.com/LatestDoc.aspx?clientid=hsbcuk&key=d18e74ef5518182c&documenttype=327&investmentid=F00000ZDIP&investmenttype" target="_blank" rel="noopener">Adventurous Portfolio costs and charges</a></p> <p> </p> <p><a href="https://doc.morningstar.com/LatestDoc.aspx?clientid=hsbcuk&key=d18e74ef5518182c&language=0L00000122&sid=F00000ZDIP&dt=52" target="_blank" rel="noopener">Adventurous Portfolio factsheet</a></p> </div> <div class="A-PNLPEARL-RW-ALL"> <div id="pp_main_link_11" class="link-container"> <a class="A-LNKST-RW-ALL" href="https://investments.online-banking.hsbc.co.uk/ao/#/openAndBuy?fundId=BYVXBH9&accountType=ISA" target="_blank" rel="noopener " data-event-component="text link" data-event-name="button:apply for an isa (adventurous portfolio)|component:midshelf_1|position:9"> <span aria-hidden="true" class="link text"> Apply for an ISA (Adventurous Portfolio) </span> <span class="icon icon-chevron-right-small" aria-hidden="true"></span> <span class="visuallyhidden">Apply for an ISA (Adventurous Portfolio) This link will open in a new window</span> </a> </div> <span class="A-DIVHL-RW-ALL"></span> <div id="pp_main_link_12" class="link-container"> <a class="A-LNKST-RW-ALL" href="https://investments.online-banking.hsbc.co.uk/ao/#/openAndBuy?fundId=BYVXBH9&accountType=GIA" target="_blank" rel="noopener " data-event-component="text link" data-event-name="button:apply for an gia (adventurous portfolio)|component:midshelf_1|position:10"> <span aria-hidden="true" class="link text"> Apply for a GIA (Adventurous Portfolio) </span> <span class="icon icon-chevron-right-small" aria-hidden="true"></span> <span class="visuallyhidden">Apply for&nbsp;a GIA (Adventurous Portfolio) This link will open in a new window</span> </a> </div> </div> </div> </div> </div> <div class="container sm-12 md-6 lg-4"> </div> </div> </div> </div></div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_main_columnControl_10"> <div class="cc cc-columns-66-33 "> <div id="pp_main_columnControlColumn_15" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_main_richtext_15" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL">The charts are correct as of 30 November 2023. For more information on the latest make-up of the portfolios, you can read the relevant 'Factsheet' PDF.</p> </div></div> </div> <div id="pp_main_columnControlColumn_16" class="cc-column"> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_main_columnControl_11"> <div class="cc cc-columns-66-33 "> <div id="pp_main_columnControlColumn_17" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="frequently-asked-questions"></div> <h2 class="heading A-TYP28L-RW-ALL remove-bottom-space" id="pp_main_heading_14"> Frequently asked questions </h2> </div> <div class="O-SMARTSPCGEN-DEV O-ACCRD-RW-RBWM row"><div> <div id="pp_main_accordion_2" class="accordions-container sm-12"> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="pp_main_advanced_expander_5" class="sm-12 clear-float"> <div class="A-EXPCNT-RW-RBWM expander"> <div class="dropdown" aria-controls="-1358128695__panel0" role="button" tabindex="0"> <h3 id="-1358128695__tab0" class="dropdown-text ">What's a portfolio? </h3> <span class="chevron"></span> </div> <section id="-1358128695__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_main_columnControl_12"> <div class="cc cc-columns-100 "> <div id="pp_main_columnControlColumn_18" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_main_richtext_16" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL"><p>A portfolio is a collection of funds. And, a fund is typically made up of a mix of investments, known as assets.</p> <p>Lots of people choose to invest in portfolios so they don’t have to choose individual funds themselves. Portfolios are also managed for you.</p> </p> <p class="A-PAR16R-RW-ALL"> </p> </div></div> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="pp_main_advanced_expander_6" class="sm-12 clear-float"> <div class="A-EXPCNT-RW-RBWM expander"> <div class="dropdown" aria-controls="1246921771__panel0" role="button" tabindex="0"> <h3 id="1246921771__tab0" class="dropdown-text ">What do we mean by assets, bonds and equities? </h3> <span class="chevron"></span> </div> <section id="1246921771__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_main_columnControl_13"> <div class="cc cc-columns-100 "> <div id="pp_main_columnControlColumn_19" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_main_richtext_17" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL"><p>A ready-made portfolio invests in a mix of assets, bonds and equities, which are types of investments.</p> <p>And, an asset is a group of investments that have similar financial characteristics.</p> <p>The 4 types of assets that a fund could invest in are:</p> <div class="commonMark-list"> <ul role="list"> <li>equities – shares in other companies</li> <li>bonds – fixed income government bonds or corporate bonds</li> <li>property – also known as alternatives</li> <li>cash – pooled money can also be invested as a way to lower risk</li> </ul> </div> <p>Our portfolios combine a varying mix of assets to help spread the risk of your investment.</p> </p> </div></div> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="pp_main_advanced_expander_7" class="sm-12 clear-float"> <div class="A-EXPCNT-RW-RBWM expander"> <div class="dropdown" aria-controls="1401037750__panel0" role="button" tabindex="0"> <h3 id="1401037750__tab0" class="dropdown-text ">How will the portfolio stay at my risk level? </h3> <span class="chevron"></span> </div> <section id="1401037750__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_main_columnControl_14"> <div class="cc cc-columns-100 "> <div id="pp_main_columnControlColumn_20" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_main_richtext_18" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL"><p>Our team of experts at HSBC Global Asset Management track the risk and performance of the assets in your portfolio. They'll also adjust the investments according to the risk profile.</p> <p>Their goal will always be to get the optimal return within your risk level.</p> </p> </div></div> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="pp_main_advanced_expander_8" class="sm-12 clear-float"> <div class="A-EXPCNT-RW-RBWM expander"> <div class="dropdown" aria-controls="-1183837947__panel0" role="button" tabindex="0"> <h3 id="-1183837947__tab0" class="dropdown-text ">What's an accumulation fund? </h3> <span class="chevron"></span> </div> <section id="-1183837947__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_main_columnControl_15"> <div class="cc cc-columns-100 "> <div id="pp_main_columnControlColumn_21" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_main_richtext_19" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL">Our ready-made portfolios are accumulation funds, which means that any income from the fund will be kept within them, which gives your investment more chance to potentially grow.</p> </div></div> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="pp_main_advanced_expander_9" class="sm-12 clear-float"> <div class="A-EXPCNT-RW-RBWM expander"> <div class="dropdown" aria-controls="-1204645331__panel0" role="button" tabindex="0"> <h3 id="-1204645331__tab0" class="dropdown-text ">How do I manage my portfolio? </h3> <span class="chevron"></span> </div> <section id="-1204645331__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_main_columnControl_16"> <div class="cc cc-columns-100 "> <div id="pp_main_columnControlColumn_22" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_main_richtext_20" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL"><p>You can track your portfolio's performance and manage your investment straight through the app. Just select 'Investments' on your account screen to get started.</p> <p>Or, read our <a href="/investments/existing-customers/global-investment-centre/" target="_self" rel="noopener noreferrer">step-by-step guide</a> to learn how to manage your investments via online banking.</p> </p> </div></div> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="pp_main_advanced_expander_10" class="sm-12 clear-float"> <div class="anchor" id="how-are-isas-changing-in-the-2024-2025-tax-year"></div> <div class="A-EXPCNT-RW-RBWM expander"> <div class="dropdown" aria-controls="-1175844485__panel0" role="button" tabindex="0"> <h3 id="-1175844485__tab0" class="dropdown-text ">How are ISAs changing in the 2024 / 2025 tax year? </h3> <span class="chevron"></span> </div> <section id="-1175844485__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_main_columnControl_17"> <div class="cc cc-columns-100 "> <div id="pp_main_columnControlColumn_23" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_main_richtext_21" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL"><p><strong>Cash ISA age limit</strong></p> <p>From 6 April 2024, there are changes to how old you need to be to open a cash ISA.</p> <p>To open a new cash ISA, you need to be either:</p> <div class="commonMark-list"> <ul role="list"> <li>18 years old or over, or</li> <li>Covered by the transitional arrangements for those aged 16 or 17 (as of 5 April 2024), which is in place until 5 April 2026</li> </ul> </div> <p>ISA providers aren't obliged to offer the transitional arrangements. HSBC won't allow customers under 18 to open a new cash ISA from 6 April 2024, but will consider changing this in the future.</p> <p><strong>Subscribing to more than one of the same type of ISA</strong></p> <p>If you're aged 18 or over, you'll now be able to subscribe to more than one of the same type of ISA in the same tax year – subject to staying within the overall annual limit.</p> <p>For example, you could subscribe to a cash or stocks & shares ISA with one ISA provider and also subscribe to one with a different provider.</p> <p>This change doesn’t apply to Lifetime ISAs, where it's still only possible to subscribe to one Lifetime ISA in a tax year. HSBC doesn't offer Lifetime ISAs.</p> <p>From April 6 2024, ISA providers are not obliged to allow subscriptions to more than one ISA of the same type in the same tax year with themselves, and HSBC will not be offering this.</p> <p><strong>Other optional changes that not all providers are implementing</strong></p> <p>If you've gone a whole tax year without making a subscription to an existing ISA, you can now restart subscriptions without needing to complete a new application.</p> <p>Since 6 April, some providers allow you to make a partial transfer of subscriptions made in the current tax year, but HSBC is not currently allowing this.</p> <p>We'll update our website if we make any changes to our ISAs in the future.</p> </p> </div></div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </div> </div></div> </div> <div id="pp_main_columnControlColumn_24" class="cc-column"> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_main_columnControl_18"> <div class="cc cc-columns-100 "> <div id="pp_main_columnControlColumn_25" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="you-might-also-be-interested-in"></div> <h2 class="heading A-TYP28L-RW-ALL remove-bottom-space" id="pp_main_heading_15"> You might also be interested in </h2> </div> </div> </div> </div> </div> <div class="O-SMARTSPCGEN-DEV"><div> <div class="O-MASTERTILE-DEV title-hidden"> <div class="row"> <div class="container sm-12 md-6 lg-3"> <div class="M-MASTERTILEITEM-DEV"><div id="pp_main_tile_6" class="A-PNL-RW-ALL"> <a href="/investments/goal-based-investing/" data-event-component="text link" data-event-name="Investment goals|component: you might also be interested in : position:1" class="A-LNKC28L-RW-ALL" target="_self"> <div class="heading"> <h3 class="link"> Investment goals</h3> <span class="icon icon-chevron-right-small" aria-hidden="true"></span> </div> </a> <div class="A-PAR16R-RW-ALL rich-text"> <p>A smart way to invest and track your long-term goals in the latest version of the app. </p> </div> </div> </div> </div> <div class="container sm-12 md-6 lg-3"> <div class="M-MASTERTILEITEM-DEV"><div id="pp_main_tile_7" class="A-PNL-RW-ALL"> <a href="/wealth/investment-calculator/" data-event-component="text link" data-event-name="investment calculator|component:lateral links|position:2" class="A-LNKC28L-RW-ALL" target="_self"> <div class="heading"> <h3 class="link"> Investment calculator</h3> <span class="icon icon-chevron-right-small" aria-hidden="true"></span> </div> </a> <div class="A-PAR16R-RW-ALL rich-text"> <p>Use our calculator to see how your investment could potentially grow over time and under different market conditions.</p> </div> </div> </div> </div> <div class="container sm-12 md-6 lg-3"> <div class="M-MASTERTILEITEM-DEV"><div id="pp_main_tile_8" class="A-PNL-RW-ALL"> <a href="/investments/products/global-investment-centre/" data-event-component="text link" data-event-name="online fund platform|component:lateral links|position:3" class="A-LNKC28L-RW-ALL" target="_self"> <div class="heading"> <h3 class="link"> Online fund platform</h3> <span class="icon icon-chevron-right-small" aria-hidden="true"></span> </div> </a> <div class="A-PAR16R-RW-ALL rich-text"> <p>Research, buy, sell and switch investments online with our Global Investment Centre.</p> </div> </div> </div> </div> <div class="container sm-12 md-6 lg-3"> <div class="M-MASTERTILEITEM-DEV"><div id="pp_main_tile_9" class="A-PNL-RW-ALL"> <a href="/investments/new-to-investing/" data-event-component="text link" data-event-name="new to investing?|component:lateral links|position:4" class="A-LNKC28L-RW-ALL" target="_self"> <div class="heading"> <h3 class="link"> New to investing?</h3> <span class="icon icon-chevron-right-small" aria-hidden="true"></span> </div> </a> <div class="A-PAR16R-RW-ALL rich-text"> <p>We're here to help you start investing from £50.</p> </div> </div> </div> </div> </div> </div> </div></div> </div> </div> <div class="row with-bg"> <div class="sm-12"> <div class="O-SMARTSPCGEN-DEV M-BACKTOTOP-RW-RBWM"><div id="pp_rel_backtotop_1"> <div id="pp_rel_link_1" class="link-container"> <a class="A-LNKAU-RW-ALL" href="#"> <span class="link"> Back to top </span> <span class="icon icon-anchor-up" aria-hidden="true"></span> </a> </div> </div></div> </div> </div> </main> <div class="socialMediaFooter grid "> <div class="row social-row " id="content_socialmediafooter_1"> <span class="A-DIVHL-RW-ALL"></span> <div class="sm-12 lg-9"> <div id="content_link_5" class="link-container"> <a class="A-LNKC22L-RW-ALL" href="/help/" rel="nofollow" data-event-component="text link" data-event-name="Customer support"> <h2 class="link link-header"> Customer support </h2> <span class="icon icon-chevron-right-small" aria-hidden="true"></span> </a> </div> <div class="A-PAR16R-RW-ALL">It's easy to answer your query online. 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