Children's education calculator

We’ve used information you’ve provided, combined with assumptions made by HSBC, to illustrate whether funds you are prepared to invest are enough to achieve your financial goals.

It's important to understand that the figures shown are indicative only and aren't guaranteed as the maximum and minimum amounts that your investment could achieve. The projected future performance of your investment shown in this illustration isn't a guarantee of the actual performance.  

There's also a chance that the investments may underperform in the 'poor market conditions' represented in this illustration. This may indicate a potentially negative return and in a worst case scenario, it’s possible to lose the entire investment.

Our Key Assumptions

Growth Rate

The initial results are based on an assumed growth rate associated with the risk level you've chosen and don't include the impact of any fees or taxes. The effect of any commissions, fees and charges would be to reduce the overall return you see on any investment. Investments with greater risk usually have a higher potential for gains or losses. Whereas less risky investments usually offer more stability and a lower return. 

Market conditions

Three market conditions are displayed on the graph are; 'Poor', 'Intermediate' and 'Good.' ‘Poor' is the 5th percentile, 'Intermediate' is the 50th percentile and 'Good' is the 95th percentile.

Risk Level

Very Low - you're generally comfortable with achieving a very low level of return potential on your investment coupled with a very low level of risk of investment loss. 

Capital values of products that are potentially suitable for you can fluctuate and may fall below your original investment. In normal market conditions fluctuation is expected to be low, although this is not guaranteed, and you are comfortable with this level of fluctuation. This applies to investment products with risk rating of 1.

Low - you're generally comfortable with achieving a low level of return potential on your investment coupled with a low level of risk of investment loss.

Capital values of products that are potentially suitable for you can fluctuate and may fall below your original investment. In normal market conditions fluctuation is expected to be low, although this is not guaranteed, and you are comfortable with this level of fluctuation. This applies to investment products with risk rating of 2.

Balanced - you're generally comfortable with achieving a moderate level of return potential on your investment coupled with a moderate level of risk of investment loss.

Capital values of products can fluctuate and may fall below your original investment. Fluctuation is expected to be higher than products that are suitable for investors in lower risk tolerance categories, but not as much as for higher risk tolerance categories.

This applies to investment products with risk rating of 3.

High - you're generally comfortable with achieving a high level of return potential on your investment coupled with high level of risk of investment loss.

Capital values of products can fluctuate significantly and may fall quite substantially below your original investment. You understand the relationship between investment risk and reward, and are comfortable with this level of fluctuation.

This applies to investment products with risk rating of 4.

Very High - you're generally comfortable with maximizing your return potential on investment coupled with maximized risk of investment loss. Capital values of products can fluctuate widely and may fall substantially below your original investment.

You understand the relationship between investment risk and reward, and are comfortable with this level of fluctuation.  This applies to investment products with risk rating of 5.

Inflation rate

The calculator will increase the target amount you specified in line with an inflation rate of 1.94%.

Your regular contributions

We've assumed that any regular investments will remain constant over the contribution period, regardless of inflation. For example, if you start off at £1,000 per month, you will continue adding £1,000 per month for each year that contributions are made.

Figures shown in the graph/table

To illustrate the uncertainty of returns, we show a range of potential outcomes for the risk level you selected. However this isn’t guaranteed, and the value of the investments can be higher or lower than the ranges illustrated.

Negative returns are possible and the entire investment could be lost. 

Please note that all the returns shown in the table are future values, rounded down to 3 significant figures.