The world's local bank
Unit Trusts
What are Unit Trusts?
Unit trusts pool the resources of many investors into one large fund, enabling investors to diversify their investments into different markets and asset classes.
Select from the following:
What are Open-end Funds?
Open-end funds diversify your portfolio by investing your money across asset classes and geographies, to meet your individual risk needs.
Who does it suit?
Investors should choose Unit Trusts matching their risk level. To learn your risk profile click here.
Features
- Choose from a large selection of quality Unit Trusts
- Wide range of Unit Trust asset classes and geographies
- Minimum investment amount starting at HKD 10,000 or USD 1000. more
Benefits
- Choose FundMax account for unlimited transactions under a single low fee^
- Access Funds of the Quarter** to look for suitable funds.
- Use Fund Express to get comprehensive fund information and conduct fund comparison in an efficient manner.
- Ensure further financial freedom with a secured overdraft of up to 80% of your portfolio's value*
^ Terms and conditions apply
* For more details, please contact your nearest branch
Disclaimer:
**"Fund Navigator" is a document which comprised of "Funds of the Quarter" which is a list of funds selected base on quantitative and qualitative evaluations of the funds' past performance and "Fund Flash" that highlights fund categories and funds available in HSBC as examples for reference. "Fund Navigator" should not be considered as buy or sell recommendations. Past performance is no guide to future performance. Content of "Fund Navigator" is updated on a quarterly basis. Please click on "Funds of the Quarter" for more details.
Next Steps...
HSBC Internet Banking Users
Not yet a HSBC Internet Banking User
Need help?
- Call (852) 2233 3733
Unit Trusts - the 'No Subscription Fee Series' ^
^ An administration fee of 1% and a distribution fee of 1%-1.25%p.a may apply
What is Unit Trusts - the 'No Subscription Fee Series'?
The 'No Subscription Fee Series' is a series of funds which charge no subscription fee, offer free-of-charge switching across all funds in the Series provided by renowned fund houses. The choice of funds covers major asset classes to suit your investment appetite and market changes.
Who does it suit?
Customers who would like 100% of their capital to go directly into their investment, and look for simple investing that can save their time in picking from hundreds of funds.
Features
- Best-of-breed funds from renowned fund houses
- A comprehensive range of funds covering fixed income, asset allocation and equities
- No subscription fee
- No switching fee across all funds in the Series
- No redemption fee after the first year of investment or otherwise, 1% administration fee# is collected from the redemption amount
- The funds in the Series are subject to 1%-1.25% p.a. distribution fee and management fee, which are reflected in the funds' net asset value
- Minimum lumpsum investment amount of US$1,000/HK$10,000 or set up a monthly investment plan with minimum monthly contribution of HK$1,000 per fund.
Benefits
- No subscription fee, thus allows you to maximize the potential growth of your investment
- A choice of best-of-breed funds for your easy selection
- No switching fee for managing your investment costs effectively
Next Steps...
HSBC Internet Banking Users
- WITH a Security Device
HSBC Internet Banking Users
- WITHOUT a Security Device
Not yet a HSBC Internet Banking User
Need help?
- Call (852) 2233 3733
Fee and charges of the 'No Subscription Fee Series':
| Fees | Charges |
|---|---|
| Subscription fee | 0% |
| Switching fee | 0% (Free-of-charge switching across all funds) |
| Administration fee# | 1% from redemption amount, if redemption takes place within 1st investment year |
| Distribution fee* | 1% - 1.25% per annum |
| Annual management fee* | Varies across fund houses |
| Termination of Unit Trust Monthly Investment Plan within 1st year^ | HKD80 per plan |
# The administration fee is calculated by reference to either the initial subscription price or the current redemption price (within the 1st investment year), whichever is lower.
* The distribution fee and annual management fee are reflected in the fund's net asset value.
^ For termination of a UTMIP within first year of set-up, an administration fee of HKD80 will apply and will be charged against your default settlement account when your termination instruction is processed. This administration fee does not apply to a Plan with (i) target number of months specified as 12 or less and is opted to terminate automatically within the first year of set-up; (ii) target market value specified and is opted to terminate automatically after such target market value is reached which occurs within the first year of set-up. However, if you have opted and received the SMS notification from the Bank upon your specified target is reached and you subsequently made the termination instruction via any HSBC branch or phonebanking within the first year of set-up of the Plan, the administration fee will still apply.
What is the Unit Trust Monthly Investment Plan?
With a Unit Trust Monthly Investment plan, a fixed amount is debited from your account each month to purchase units of your selected Unit Trusts. These units are then allocated to your investment account in approximately 5 business days
You can choose from a wide range of funds with various asset classes managed by different fund houses or funds within the 'No Subscription Fee Series'*, and make regular contributions to a fund within a specific timeframe or amount to be accumulated for your investment.
* An administration fee of 1% and a distribution fee of 1%-1.25%p.a may apply
Who does it suit?
Customers who would like to build potential wealth through regular contributions into a Unit Trust in a flexible and hassle-free manner
Features
- Begin investing with a minimum of HKD1,000 per month
- Preset either the target number of months you will invest in the plan or the target market value to be accumulated from the plan
- Can opt to automatically terminate the plan or receive the SMS notification as a reminder (while the plan will continue) upon reaching the target
- Change your contribution amount, your target number of months to be invested (if any), or your target market value to be accumulated (if any), redirect fund allocations and redeem unit trusts at any time
Benefits
- Smooth out market volatility and benefit from the effects of Dollar Cost Averaging. more
- Enjoy preferential pricing for online subscriptions. more
- Earn a 1% discount after contributing to the Monthly Investment Plan for 12 consecutive months. more
- Flexible to define your contribution period according to your budget and spread your intended sum of investment over a period of time, which saves you the hassle in timing the market
- Set aside an investment plan in meeting a particular goal
Next Steps...
HSBC Internet Banking Users
Not yet a HSBC Internet Banking User
Need help?
- Call (852) 2233 3733
What are Structured Funds?
Structured funds seek returns from the performance of various stocks or stock indices.
Who does it suit?
Investors should choose Structured Funds that match their risk level. To learn your risk profile click here.
Features
- Differ from traditional open-end Funds, as these Funds usually have a structured pay-off mechanism
- Some structured Funds offer a capital guarantee at investment maturity
Next Steps...
HSBC Internet Banking Users
- WITH a Security Device
HSBC Internet Banking Users
- WITHOUT a Security Device
Not yet a HSBC Internet Banking User
Need help?
- Call (852) 2233 3733
Disclaimer:
Investment involves risk. Please refer to the offering documents of the respective funds for details, including risk factors. The price of units or shares and the income from them may go down as well as up and any past performance figures shown are not indicative of future performance. The information contained on this website is intended for Hong Kong residents only and should not be construed as a distribution, an offer to sell, or a solicitation to buy any securities in any jurisdiction where such activities would be unlawful under the laws of such jurisdiction, in particular the United States of America. Please refer to the Unit Trust disclaimer for further important details.
Unit Trusts are investment products and some may involve derivatives. The investment decision is yours but you should not invest in the Unit Trusts unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives.
Unit Trusts are NOT equivalent to time deposits.
In the worst case scenario, the value of the unit trusts may be worth substantially less than the original amount you have invested.
