Manage your investments

There are a few things to consider before you decide to sell your investments.

It’s normal for stock markets to react to fast-moving events. Staying focused on your long-term plans can help you avoid panic selling.

For example, if you consider selling when markets are low, that could mean you miss out on the market recovery that can often follow.

If you’ve chosen your own investments, you may be able to make some changes to your portfolio to make it more resilient.

If you’re still considering selling and your investments are held in a stocks & shares ISA, you could keep the cash sale proceeds in your un-invested cash account until you’re ready to invest again. This means the money would still retain the tax advantages associated with holding it in an ISA. But, your investment will also be out of the market and therefore won't benefit from any positive change in the market.

Take a look at our Wealth Insights for our exclusive investment analysis.

If you've got an HSBC current or savings account with £100,000 or more and you've got broad financial needs, we offer a dedicated financial advice service. Eligibility criteria and fees apply.

Please note, we no longer offer online investment advice.

A certification of interest - or tax certificate - confirms the total amount of credit interest paid into an account over the tax year.

If you need one to complete your tax self-assessment, send us a secure e-message through online banking or by using chat in the mobile banking app.

Once we receive your request, we’ll post this to you within 7 working days.

Cash ISA age limit

From 6 April 2024, there are changes to how old you need to be to open a cash ISA.

To open a new cash ISA, you need to be either:

ISA providers aren't obliged to offer the transitional arrangements. HSBC won't allow customers under 18 to open a new cash ISA from 6 April 2024, but will consider changing this in the future.

Subscribing to more than one of the same type of ISA

If you're aged 18 or over, you'll now be able to subscribe to more than one of the same type of ISA in the same tax year – subject to staying within the overall annual limit.

For example, you could subscribe to a cash or stocks & shares ISA with one ISA provider and also subscribe to one with a different provider.

This change doesn’t apply to Lifetime ISAs, where it's still only possible to subscribe to one Lifetime ISA in a tax year. HSBC doesn't offer Lifetime ISAs.

From April 6 2024, ISA providers are not obliged to allow subscriptions to more than one ISA of the same type in the same tax year with themselves, and HSBC will not be offering this.

Other optional changes that not all providers are implementing

If you've gone a whole tax year without making a subscription to an existing ISA, you can now restart subscriptions without needing to complete a new application.

Since 6 April, some providers allow you to make a partial transfer of subscriptions made in the current tax year, but HSBC is not currently allowing this.

We'll update our website if we make any changes to our ISAs in the future.