You are here:

You are not logged on to Internet Banking  Log on to Internet Banking Icon: Not logged on

Investments

At HSBC, we believe in providing personalised financial guidance, advice and after-sales support along with our customised products and services to help you achieve your goals. Tap on the experience and expertise of our financial consultants, or explore our wide offering of investment products and services to start growing your wealth today.

Our Products and Services

Stay Informed

Daily Commentary by HSBC Investments  
Investment Views  
HSBC Insights

HSBC Insights

Keep abreast of global trends and happenings with our informed analyses and insights.

Economic News

Economic News

Get a bird’s eye view on global economic landscapes with our key market updates.

Foreign Currency Trading Market News

FX Market Updates

Stay ahead with real-time updates, research and insights from our FX specialists.

Time Commitment

Most investments should be considered as a medium to long-term commitment, meaning you should be prepared to hold them for at least five years.

Investment Risk

All investments carry some risk. The value of investments (and any income received from them) can fall as well as rise, and you may not get back what you invested.

Potential Tax Obligations

Investors are reminded to seek independent tax advice and learn about the potential tax obligations that may arise from investing in overseas products.

Need financial advice?

Find out how we can help with your financial planning.

Make an appointment with us today

Need to talk to us?

In Singapore

1800-HSBC NOW (4722 669)

From overseas

(65) 6-HSBC NOW (4722 669)

Find nearest branch
General Disclaimer

The information contained on this website is intended for Singapore residents only and should not be construed as an offer to purchase or subscribe for any investment where such activities would be unlawful under the laws of such jurisdiction, in particular the United States of America and Canada.
Before you make any investment decisions, you may wish to consult a financial adviser. Please visit any of our branches or contact our 24-hour Customer Service Hotline on 1800-HSBC NOW (4722 669) from Singapore or (65) 6-HSBC NOW (4722 669) from overseas, to make an appointment. In the event that you choose not to seek advice from a financial adviser, you should carefully consider whether this investment is suitable for you.

What should I do before I start investing?

Know your current financial situation. Before you begin to think about investing your money, you should know how much you could spare each month. Naturally, the more you can put aside now, the better it will be for your future. It's up to you to achieve a balance between your current lifestyle and your expectations.

Use our handy planning tool to find out how much you can invest. Or take a look at the example below.

Calculate your income and expenses taking into account the following:

  • Mortgage repayments
  • Personal tax
  • Loans and overdrafts
  • Living expenses
  • Emergency funds
  • Car expenses
  • Entertainment
  • School fees
  • Family commitments

Generally speaking, whatever spare cash you have after allowing for all your expenses is what you can afford to invest. You can commit a certain amount each month and look upon it as a monthly expense. As your salary increases, you should also increase the amount you invest proportionately. By doing this, you'll be keeping up with inflation and your money will be working harder for you.

I know how much I have to invest, now what?

Once you know how much you can afford to invest, you can set your objectives - why you are investing and how you are planning to use your investments. Your objectives could incorporate any combination of the following:

  • Retirement
  • Protection for your family
  • Education for your children
  • Special needs or emergencies
  • Specific occasions (e.g. a wedding, buying a house, emigrating)
  • Wealth accrual

Now make a list of your objectives, in order of priority, because you may not be able to afford to achieve every single goal. Divide your objectives also into long-, medium- and short-term goals. This will help you choose the type of investment you want to make. For example, if you plan to send your children to study abroad in three years' time and you need to save for their tuition fees and living expenses, you'll need a fairly low-risk investment. Think about when you will need the return as it also helps to determine the time horizon of your investment.

How do I determine my risk level?

Keeping your objectives in mind, determine how much risk you're prepared to take. Do you want to adopt a conservative, moderate or aggressive investment strategy? Ask yourself the following questions before you make your decision:

  • Are you prepared to make long-term investments, which will allow you to take greater risks for higher returns?
  • If you're going for short-term, high-risk investments, can you afford to lose some of the money you invest?
  • If you're married with children, what level of risk can you take and still be certain of their future?
  • If you want your money to be safe, will you be content with a moderate rate of return?
  • If you opt for safe investments, will the returns be enough to cover inflation?

The important thing to remember is that, in general, you can afford to choose higher-risk investment tools for longer-term investments because, even if they go down in the short term, they are likely to show an overall upward trend over a long period. But for short-term investments, you will find low-risk products a more reliable and safer option.