Multi Asset Funds | Ready-made Portfolios

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Ready-made portfolios

Take the hassle out of investing

New to investing, or just looking for a more convenient way to invest? Choose an HSBC ready-made portfolio – a fund with a mix of investments that's managed on your behalf.

Each portfolio has a different level of risk and expected reward. Just select your preferred level of risk and our team of experts will take care of the rest.

Before you invest, you should build up 3-6 months of living costs to fall back on, so that you're less likely to dip into your investment to cover for anything unexpected.

Remember, investing has its ups and downs and – so you could get back less than you invest.

Take a closer look

Mix of global investments

Our portfolios contain a mix of investments from over 50 different countries, giving you access to a world of opportunities.

Managed by specialists

Your portfolio will be managed by our investment specialists. Just choose your preferred level of risk and they'll take care of the rest.

Easy access to your money

We recommend you aim to invest for at least 5 years. But your money isn't locked away – you can sell your investments and the money will be in your account within 5 days.

Invest in a few steps

You can invest here on the website or from your app. Then, track and manage your portfolio in the app, wherever you are.

More reasons to invest

Start investing with £50

Invest in a portfolio with £50 and choose to set up regular payments after your first investment.
Invest with an ISA

Invest up to £20,000 per tax year with a stocks & shares ISA, without paying UK income or capital gains tax on any growth.

Join other investors

Join almost 300,000 people in the UK who are already investing with us

Keep in mind, tax benefits will depend on your circumstances and tax rules may change in the future.

An award-winning way to invest

The Banker Innovation in Digital Banking Awards 2023 Winner Mobile and Boring Money Best For Customer Service 2024 award

Invest online or straight through your app

We're delighted to have won awards for how easy it is to invest through our app and for our dedicated investment customer service.

Why not try investing with the app yourself?

Just open scroll past your accounts in the app and select 'Investments' to get started.

Who can apply?

You can invest in a ready-made portfolio if:

you’ve got an HSBC current account or savings account (excludes Online Bonus Saver and Fixed-rate Saver)
you’re at least 18 years old
you're a UK resident
you’re not a US national/citizen/resident (eg a US passport holder)
you've got at least £50 to invest

Before you apply

Do you need to tell us about your personal situation?

We want you to be comfortable with any investment choice you make.

So, if you might be experiencing something that could impact your decisions, from a mental or physical health condition to a change in your life at home, you can get in touch with our Wealth team who can better understand your situation and can offer support.

Speak to our Wealth team

To make an adjustment to any of your other banking with us, tell us what support you need and we can make your banking work best for you.

This could be support for:

How we communicate with you
Taking control of your finances
Third party support
A change to your personal circumstances

Tell us about your needs

Fees

There's no fee to open a stocks & shares ISA or a general investment account.

There's also no fee to withdraw money from your investments. But there will be ongoing charges, which we'll automatically take each quarter.

Before investing, you can read the 'Costs and Charges' PDF for an estimate of the charges that may apply for that portfolio.

Account fee

This is 0.25% of the value of the investments, taken quarterly from your nominated HSBC account. For example, a £1,000 investment would have a £2.50 account fee.

Fund management charge

This charge varies depending on the fund you choose and is calculated as a percentage of your investment. It is taken by the fund manager, which means you don't have to pay it directly, as it's reflected in the valuation of the fund.

Ready to invest?

Here's how to get started:

1. Decide how you feel about risk

Select the portfolio with the risk level you're most comfortable with. Risk level 1 is the lowest and 5 is the highest. This indicates the investment's potential risk and reward.

Use these descriptions to help you decide how you feel about risk. Then, choose the portfolio with the risk level that best suits you.

Very low – you're generally ok with a very low level of potential return on your investment, along with a very low risk of investment loss.

Low – you're generally ok with a low level of potential return on your investment, along with a low risk of investment loss.

Balanced – you're generally ok with a medium level of potential return on your investment, along with a medium risk of investment loss.

High – you're generally ok with a high level of potential return on your investment, along with a high risk of investment loss.

Very High – you're generally ok with a very high level of potential return on your investment, along with a very high risk of investment loss.

2. Choose which account you'd like to apply for

Decide which investment account you'd like to apply for – a stocks & shares ISA or a general investment account (GIA). Alongside your investment account, an Uninvested Cash Account (UCA) will also be opened for you.

Stocks & shares ISA (Individual Savings Account)

A stocks & shares ISA is an account that you can open for your investments.

You can invest up to £20,000 each tax year without paying any UK income tax or capital gains tax on any income or growth.

You can open a stocks & shares ISA if:

You don’t already have an HSBC or first direct stocks & shares ISA for the current tax year (you can still have a cash ISA or another type of ISA)
You’ve not reached your £20,000 ISA limit for the current tax year

Keep in mind, tax rules can also change and any benefits will depend on your individual circumstances.

General investment account (GIA)

A general investment account is a basic investment account with no tax-efficiencies. You can choose to open a GIA if:

You’ve already subscribed to another HSBC or first direct stocks & shares ISA this current tax year, or
You've reached the overall £20,000 ISA limit
This is your preferred option

A UCA is the default account you’ll use to hold cash whilst waiting to invest, to receive the proceeds of any sales and to receive income or other payments.

We don't pay any interest on your UCA, because it isn’t intended as a place to hold cash for the long-term.

Cautious

Risk level: 1 out of 5

The Cautious fund is invested across global markets with a strong bias towards bonds.

Cautious Portfolio costs and charges

Cautious Portfolio factsheet

Apply for an ISA (Cautious Portfolio) This link will open in a new window

Apply for a GIA (Cautious Portfolio) This link will open in a new window

Conservative

Risk level: 2 out of 5

The Conservative fund is invested across global markets with a bias towards bonds.

Conservative Portfolio costs and charges

Conservative Portfolio factsheet

Apply for an ISA (Conservative Portfolio) This link will open in a new window

Apply for a GIA (Conservative Portfolio) This link will open in a new window

Balanced

Risk level: 3 out of 5

The Balanced fund is invested across global markets with a spread of asset types.

Balanced Portfolio costs and charges

Balanced Portfolio factsheet

Apply for an ISA (Balanced Portfolio) This link will open in a new window

Apply for a GIA (Balanced Portfolio) This link will open in a new window

Dynamic

Risk level: 4 out of 5

The Dynamic fund is invested across global markets with a bias towards equities.

Dynamic Portfolio costs and charges

Dynamic Portfolio factsheet

Apply for an ISA (Dynamic Portfolio) This link will open in a new window

Apply for a GIA (Dynamic Portfolio) This link will open in a new window

Adventurous

Risk level: 5 out of 5

The Adventurous fund is invested across global markets with a strong bias towards equities.

Adventurous Portfolio costs and charges

Adventurous Portfolio factsheet

Apply for an ISA (Adventurous Portfolio) This link will open in a new window

Apply for a GIA (Adventurous Portfolio) This link will open in a new window

The charts are correct as of 30 November 2023. For more information on the latest make-up of the portfolios, you can read the relevant 'Factsheet' PDF.

Frequently asked questions

A portfolio is a collection of funds. And, a fund is typically made up of a mix of investments, known as assets.

Lots of people choose to invest in portfolios so they don’t have to choose individual funds themselves. Portfolios are also managed for you.

A ready-made portfolio invests in a mix of assets, bonds and equities, which are types of investments.

And, an asset is a group of investments that have similar financial characteristics.

The 4 types of assets that a fund could invest in are:

equities – shares in other companies
bonds – fixed income government bonds or corporate bonds
property – also known as alternatives
cash – pooled money can also be invested as a way to lower risk

Our portfolios combine a varying mix of assets to help spread the risk of your investment.

Our team of experts at HSBC Global Asset Management track the risk and performance of the assets in your portfolio. They'll also adjust the investments according to the risk profile.

Their goal will always be to get the optimal return within your risk level.

Our ready-made portfolios are accumulation funds, which means that any income from the fund will be kept within them, which gives your investment more chance to potentially grow.

You can track your portfolio's performance and manage your investment straight through the app. Just select 'Investments' on your account screen to get started.

Or, read our step-by-step guide to learn how to manage your investments via online banking.

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:

18 years old or over, or
Covered by the transitional arrangements for those aged 16 or 17 (as of 5 April 2024), which is in place until 5 April 2026

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.

Ready-made portfolios

Take the hassle out of investing

Take a closer look

Mix of global investments

Managed by specialists

Easy access to your money

Invest in a few steps

More reasons to invest

An award-winning way to invest

Invest online or straight through your app

Who can apply?

Before you apply

Do you need to tell us about your personal situation?

Other support for your banking

Fees

Account fee

Fund management charge

Ready to invest?

1. Decide how you feel about risk

What do we mean by 'risk level'?

2. Choose which account you'd like to apply for

What's a stocks & shares ISA or a general investment account (GIA)?

What's an Uninvested Cash Account (UCA)?

Cautious

Conservative

Balanced

Dynamic

Adventurous

Frequently asked questions

What's a portfolio?

What do we mean by assets, bonds and equities?

How will the portfolio stay at my risk level?

What's an accumulation fund?

How do I manage my portfolio?

How are ISAs changing in the 2024 / 2025 tax year?

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