Investment Advice and Tips - HSBC Channel Islands and Isle of Man

Pick the right path for your investment journey

Everyone's different, and there's a choice of ways to invest with us depending on your goals, circumstances and experience. Learn more about getting financial advice, or using our online investments platform to plot your own path.

Investing with or without advice

Invest with advice

Investing with our Wealth Managers through our financial planning service is perfect if you're new to investing. It may also be helpful if you're more experienced, but want us to find investments tailored to your goals.

Minimum investment: £250 a month (Premier customers only) or £25,000 lump sum

Full review of your finances - Get an in-depth assessment of your needs based on your circumstances, preferences and ambitions
Goal-based advice - We can give you recommendations for every stage of life. Secure your retirement, save for education or just protect and grow your wealth
Chosen by us, tailored to you - If you don't have time to choose your own investments we'll do it for you. If your goals change, we can recommend something new
Global knowledge - Use our international reach and local expertise to navigate multiple markets and asset types

Choose your own investments

If you have a smaller amount to get started with, or just want to be more involved, you can invest without one-to-one advice in our online investment centre.

Minimum investment: £50 a month or £500 lump sum

Invest online in minutes - Make new investments or manage your portfolio anytime
Wide range of funds - Explore a variety of mutual funds from HSBC and other well-known providers. Choose a ready-made portfolio or select from equity, fixed-income and ESG funds
Make informed decisions - Use our research tools to select funds that match your goals

Why invest with HSBC?

Cross-border wealth expertise

Our local wealth managers live and work in the Channel Islands, giving them first-hand insight into local financial needs. Invest with advice and receive tailored solutions for every stage of life.
Easy online investing

Do-it-yourself with ready-made portfolios, shares or single asset class funds in a range of currencies.

Spread your risk and increase your potential

Diversify your portfolio with funds from a range of providers, geographies and sectors.
Everything in one place

See your investments, bank account and more, all together in online banking.

Get financial advice

Get a helping hand to make the most of your money with financial advice tailored to your needs.

Book a wealth review

Invest online

Build and manage your own portfolio of funds online. Choose from HSBC and a range of other providers.

Frequently asked questions

If you're new to investing, you'll probably find it helpful to discuss your ambitions and expectations with a financial advisor. This could also be beneficial if your goals have evolved or you are experiencing a big life change. A financial advisor could recommend approaches for passing on wealth, planning for retirement, investing an inheritance or building towards a future life goal.

There are many different ways to invest, and a financial adviser can help you find the best ones for you. Knowing your current wealth, risk appetite and future plans, they can recommend the options that are most likely to help you achieve your specific goals.

Before you start investing, make sure you have an emergency fund set aside that would cover 3 to 6 months of essential living costs.

You'll then want to consider:

How much you have to invest
Whether you want to invest a lump sum, or smaller ongoing payments
What your wealth and broader life goals are
How much say you want over the funds in your portfolio
Whether you'd prefer a bold (and higher-risk) strategy or a more cautious approach
How you'd like to manage and monitor your investments once you've made them

If you'd like to discuss these points and receive investment recommendations, making an appointment with a financial adviser could be a good first step. You normally need to invest a minimum amount to use this service. You can also get started immediately using an online investment platform like our International Investment Centre.

Find out more about how to start investing.

Fees for financial advice depend on the type of service we provide and the value of your investment.
Service	Investment value	Fee
Execution-only	Lump sum investments from £500, or regular investments from £50 per month	1% of the value of the investment[@lump-sum-purchases]
Goal-based or advised	Report-only fee	£350 excluding VAT[@vat-inclusive]
Goal-based or advised	Report and implementation fee for investments up to £3,000,000[@vat-inclusive]	2.75% of assets implemented[@asset-implemented] [@report-fee] (subject to a minimum fee of £960)
Goal-based or advised	Regular contributions up to £1,670 per month	£595 fixed fee
Goal-based or advised	Regular contributions over £1,670 per month	3% of total contributions to be invested in the first 12 months[@total-contributions]

Fees for financial advice depend on the type of service we provide and the value of your investment.
Service	Execution-only
Investment value	Lump sum investments from £500, or regular investments from £50 per month
Fee	1% of the value of the investment[@lump-sum-purchases]

Service	Goal-based or advised
Investment value	Report-only fee
Fee	£350 excluding VAT[@vat-inclusive]

Service	Goal-based or advised
Investment value	Report and implementation fee for investments up to £3,000,000[@vat-inclusive]
Fee	2.75% of assets implemented[@asset-implemented] [@report-fee] (subject to a minimum fee of £960)

Service	Goal-based or advised
Investment value	Regular contributions up to £1,670 per month
Fee	£595 fixed fee

Service	Goal-based or advised
Investment value	Regular contributions over £1,670 per month
Fee	3% of total contributions to be invested in the first 12 months[@total-contributions]

Beginner's guide to investing

New to investing? We'll explain what you need to know to get started.

Your financial action plan

From budgeting to investing - here are 4 steps you can take to firm up your financial future.

Saving and investing

Save or invest? This guide can help you work out the best way to grow and protect your wealth.

Active vs passive funds

Discover the difference between active and passive funds so you can decide which might be best for you.

Additional information

Please remember that the value of investments, and any income received from them, can fall as well as rise, is not guaranteed and you may not get back the amount you invested. This could also happen as a result of changes in currency exchange rates, particularly where overseas securities are held or where investments are converted from one currency to another. We always recommend that any investments held should be viewed as a medium to long-term investment, at least five years.

Issued by HSBC Bank plc, registered in England and Wales number 14259. Registered office 8 Canada Square, London, E14 5HQ. HSBC Bank plc, Jersey Branch is licensed by the Jersey Financial Services Commission. HSBC Bank plc, Guernsey Branch is licensed by the Guernsey Financial Services Commission. In the Isle of Man HSBC Bank plc is licensed by the Isle of Man Financial Services Authority.

Ways to invest with HSBC

Pick the right path for your investment journey

Investing with or without advice

Invest with advice

Choose your own investments

Why invest with HSBC?

Ready to start investing?

Get financial advice

Invest online

Frequently asked questions

When should I consider getting investment advice?

Why should I get advice before investing?

How do I start investing?

How much does a financial adviser cost?

You might be interested in

Beginner's guide to investing

Your financial action plan

Saving and investing

Active vs passive funds

Additional information

Disclaimers

Customer support