Online investment advice 

You'll only pay an advice fee if you choose to invest ­– and there's no obligation for you to do that.

If you decide to go ahead, you'll pay an advice fee of 0.5% of the amount you invest. If you're making monthly payments, this will be based on 12 months of contributions. For example, if you invest £50 a month, you'll pay a one-off advice fee of just £3.

You'll also pay ongoing costs for running your investment. These will be around 0.49% a year – depending on the investment we recommend and its value at the time fees are payable. With the £50 a month example, your ongoing costs for the first year will be around £3.

If investing is right for you, we'll explain more about the charges involved to help you decide whether to invest.

You'll need an HSBC current account and be registered for online banking before you can start investing with us. Take a look at our range of current accounts.

We're unable to accept joint account investment applications through HSBC My Investment.

If you'd like to discuss ways you could invest with another person, give us a call on:

03456 076180

Lines are open 08:00 to 18:00, Monday to Friday (excluding public holidays). All calls are recorded.

A fund is a mix of investments that a fund manager will look after for you. A fund can be made up of a different types of assets such as equities, property, government bonds and cash – or it can be made up of other funds.

As funds spread your money across a wide range of investments, they could help to spread your risk. That’s because if one or more of the investments goes down in value, it could potentially be balanced out by others gaining in value.

Lots of people choose to invest in funds as they don’t have to choose individual investments themselves.

HSBC My Investment online advice could be right for you if:

It will be unsuitable for you if:

 
If you have broader financial needs our team at HSBC Financial Advice could help you instead. Eligibility criteria and fees apply.

Investing monthly

You can start investing from £50 a month. When you invest, you should still be sure to have some money to cover for emergencies, so you're less likely to dip into your investment and can cover unexpected costs.

If you want to invest monthly and you don't yet have money for emergencies, we'll make sure you have enough disposable income left over so that you can afford to build it up over 12 months.

Lump sum

You could also start with a lump sum of £1000. If so, we'll check that you've got at least 3 months of essential living costs saved before we recommend investing for you.

We would only recommend you invest in a stocks & shares ISA (Individual Savings Account) if we believe it's right for you, and you meet the eligibility criteria:

The value of tax benefits will depend on your circumstances and tax rules may change in the future.

If we don't recommend a stocks & shares ISA to you, we'll suggest our general investment account (GIA) instead.

HSBC My Investment is an online advice service to help you grow your money – no matter what you're saving for.

But, My Investment will be unsuitable for you if you'd like advice on your pension, estate planning or how to protect your loved ones.

If you're looking to save for your retirement, take a look at our retirement options, to make sure My Investment will offer the right advice for you.