Top of main content

Invest with HSBC

Discover the benefits of saving and investing with HSBC Channel Islands & Isle of Man

Support from the investment experts

We understand how hard you work for your money. That's why our expert Wealth Managers are here to help you reach your goals and make the most of your wealth.

Why invest with us?

Access a range of investment products

Banking to suit you, all in one place

  • our current accounts offer a range of benefits including exclusive access to our Island Privileges rewards programme for Premier and Advance customers
  • open a savings accounts with fixed-term or instant access options
  • enjoy credit cards benefits including 0% interest on purchases
  • discover mortgages with competitive rates whether it's a first time buy, remortgage or buy-to-let

It's easy to get started

  • start investing from as little as £50 a month without advice or £250 with advice, with our regular investment options
  • get a free, no obligation financial review
  • call your Wealth Manager whenever you want to discuss your investment portfolio

Manage your investments online

Our investment services

Whether you're looking for advice on financial planning, or just need investment or protection advice, we're here to help.

Our advisory services

  • goal-based planning - Need advice across key financial planning need areas? We'll discuss your circumstances, preferences and goals in detail before making recommendations to help you meet your goals
  • investment-only advice - If you only need advice on investing cash funds, we'll work to understand your goals, needs and preferences before making recommendations. But we won't review your existing investments or other financial planning needs
  • protection-only advice - Find out how you can protect yourself and your family should the unexpected happen. We'll assess your needs before making recommendations, but we won't review your wider financial planning needs

Our execution only service

If you're ready to start investing without advice, you can give a specific instruction to invest in a product available through HSBC. You won't get any advice on investments and we won't review the investment product to see if it's right for you.

Compare our services

Easily compare our investment advice services in the table below to help you decide which one works for you.

Financial need areas Goal based planning Investment only advice Protection only advice Execution only
Protecting you and your family Yes No Yes No
Your children's future and education Yes No No No
Managing and growing your wealth Yes Yes1 No No
Planning for your retirement Yes No No No
Passing on your wealth Yes No No No
Review your whole portfolio Yes2 No No No
Self directed investment No No No Yes3

Compare our services

Easily compare our investment advice services in the table below to help you decide which one works for you.

Financial need areas Protecting you and your family
Goal based planning Yes
Investment only advice No
Protection only advice Yes
Execution only No
Financial need areas Your children's future and education
Goal based planning Yes
Investment only advice No
Protection only advice No
Execution only No
Financial need areas Managing and growing your wealth
Goal based planning Yes
Investment only advice Yes1
Protection only advice No
Execution only No
Financial need areas Planning for your retirement
Goal based planning Yes
Investment only advice No
Protection only advice No
Execution only No
Financial need areas Passing on your wealth
Goal based planning Yes
Investment only advice No
Protection only advice No
Execution only No
Financial need areas Review your whole portfolio
Goal based planning Yes2
Investment only advice No
Protection only advice No
Execution only No
Financial need areas Self directed investment
Goal based planning No
Investment only advice No
Protection only advice No
Execution only Yes3

How much do our services cost?

The tables below show an overview of our fees for Premier, Jade and Advance or standard account holders.

Below is a high level overview of our fees:

Service Investment value Fee
Goal-based or advised Report-only fee £350 excluding VAT4
Goal-based or advised Report and implementation fee for investments up to £3,000,0004 2.75% of assets implemented5,6 (subject to a minimum fee of £960 and a maximum fee of £10,000)
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 months7
Execution-only Lump sum investments from £500, or regular investments from £50 per month 1% of the value of the investment8

Below is a high level overview of our fees:

Service Goal-based or advised
Investment value Report-only fee
Fee £350 excluding VAT4
Service Goal-based or advised
Investment value Report and implementation fee for investments up to £3,000,0004
Fee 2.75% of assets implemented5,6 (subject to a minimum fee of £960 and a maximum fee of £10,000)
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 months7
Service Execution-only
Investment value Lump sum investments from £500, or regular investments from £50 per month
Fee 1% of the value of the investment8

1Restricted to advice on cash funds.

2We only review investments sold by or transferred to HSBC Channel Islands & Isle of Man.

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

4In the Isle of Man, the Report and Implementation Fee is inclusive of VAT.

5'Assets implemented' refers to the total value of all investment recommendations which you ask us to implement (including both lump sums and/or the first year of any regular contributions).

6Or 1.925% Report and Implementation Fee for any fixed income funds implemented.

7Or 1.925% of total contributions to be invested in first 12 months of investment for contributions above £5,000 per month into any fixed income funds.

8Applies to lump sum purchases and each monthly contribution when setting up regular savings and/or a new fund purchase involved when selling and repurchasing.

Remember, the value of investments is not guaranteed - you may not get back the amount you invested, and any income received from them can fall as well as rise. This could also result from changes in currency exchange rates, particularly where overseas securities are held or where investments are converted from one currency to another. We always recommend that any investments should be considered as medium to long-term holdings of least 5 years.

You might be interested in

 
  Get financial advice tailored to your needs from our Wealth Managers.
 

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

 

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

 

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

We're here to help you. Find the answers and while you're at it, tell us how we could do better.