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Investment advice

A helping hand when you’re unsure

If you have investments with us, you can read HSBC analysis of how the coronavirus is affecting global markets on our Wealth Insights hub.

Take advantage of affordable advice to help you do more with your money.

People have always had to pay for financial advice in one form or another. Since regulations changed in 2013, all financial advisers now charge an up-front fee so customers can clearly see the price they’re paying for the services they receive.

According to Which? 1, the cost of face-to-face financial advice can be anywhere between £50 to £250 per hour – which many people can’t afford. So we designed a digital equivalent: a low-cost online advice service that shows people how and where to invest their money.

Whether you take our advice online, by phone or face-to-face, we apply the same level of rigour to the recommendations we make. We’ll take the time to find out about your situation and how you feel about risk so we can work out whether, where and how much you should invest.

Remember, investing comes with risk so you may not get back what you invest. You can access your money if you need to, usually within 5 days, however you should aim to invest for at least 5 years.

Your 3 routes to investment advice

Depending on how much you have to invest, you have 3 advice services to choose from: online, over the phone or face-to-face.

As well as the one-off advice fee, you'll also pay an ongoing fee to the fund manager for managing your recommended investment.

Investment amount

0.5% advice fee

(no minimum charge)

1.9% advice fee

(or a £600 minimum charge)

2.75% advice fee

(or a £960 minimum charge)

£1,000 - £15,000

(or £50 - £4,000 per month)

Online advice
 
 
£20,000 - £50,000
Online advice
Phone advice
  
£50,000 - £100,000
 
Phone advice
Face-to-face advice
£100,000+
 
 
Face-to-face advice

Your 3 routes to investment advice

Depending on how much you have to invest, you have 3 advice services to choose from: online, over the phone or face-to-face.

As well as the one-off advice fee, you'll also pay an ongoing fee to the fund manager for managing your recommended investment.

Investment amount

£1,000 - £15,000

(or £50 - £4,000 per month)

0.5% advice fee

(no minimum charge)

Online advice

1.9% advice fee

(or a £600 minimum charge)

 

2.75% advice fee

(or a £960 minimum charge)

 

Investment amount

£20,000 - £50,000

0.5% advice fee

(no minimum charge)

Online advice

1.9% advice fee

(or a £600 minimum charge)

Phone advice

2.75% advice fee

(or a £960 minimum charge)

  

Investment amount

£50,000 - £100,000

0.5% advice fee

(no minimum charge)

 

1.9% advice fee

(or a £600 minimum charge)

Phone advice

2.75% advice fee

(or a £960 minimum charge)

Face-to-face advice

Investment amount

£100,000+

0.5% advice fee

(no minimum charge)

 

1.9% advice fee

(or a £600 minimum charge)

 

2.75% advice fee

(or a £960 minimum charge)

Face-to-face advice

To invest with us, you need to have an HSBC current or savings account.

If you’d like to find out more about the financial advice industry, including ways to seek independent financial advice, visit the Money Advice Service.

1 Source for the UK average advice fee: Which?

Choosing your own investments

Of course, not everyone wants financial advice. If you’re happy to choose your investments, you can buy a range of funds and portfolios via our online fund platform, or shares via our online sharedealing service. As with our advice options, eligibility criteria and some fees apply.

And if you want to start investing using your ISA allowance, take a look at our investment ISA page.

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We demystify investing to help you get started.

It’s easy to get in touch online. Talk to us directly through our chat channels.