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Unit trusts

Grow your wealth with our range of professionally managed unit trusts or funds.

Invest in unit trusts anytime and anywhere through the HSBC Singapore app.

Build a portfolio tailored to your risk appetite

Whether you prefer lower-risk funds or want to be more adventurous with your investments, find a match in our wide range of unit trusts. Each one is carefully selected to suit different risk profiles. Whatever your financial goals are, start your wealth journey today.

Premier Upfunding Promotion

Receive up to SGD40,000 cash when you deposit fresh funds and/or transfer in investment assets between 1 January and 28 February 2026, maintain account balance and investment assets for three months after that, and hold an investment and/or insurance product by 30 April 2026. Terms and conditions[@premier-upfunding-rewards]apply.

The benefits of unit trusts

Diversification in one investment

Access different markets and instruments, helping you diversify your risk better than with a single security.

Liquidity and no lock-in period

Buy and sell unit trusts on any dealing day with ease – online or through your Relationship Manager.

Low barriers to a basket of securities

Access portfolios from as little as SGD1,000 – a more cost-efficient way than building one yourself. Plus gain exposure to countries and sectors not easily accessible as an individual.

Managed by investment professionals

Let the experts – who spend their careers researching and managing investments – work for you.

Ways to invest in unit trusts

There are 2 ways to invest in unit trusts with us. You can either make a lump sum investment, or set up a regular savings plan.

Whichever one you choose, you'll need to make a minimum placement of SGD1,000.

Lump sum investment

This is a one-time investment on a fund of your choice.

Regular savings plan

This lets you make smaller investments on a selected fund each month. It's known as dollar cost averaging, and it can help reduce market volatility.

You'll need to make a minimum first investment of SGD1,000. But your subsequent investments can be as low as SGD100 per month.

To learn more, visit our Regular Savings Plan page.

Search for funds easily and conveniently

You can search for funds based on your own preferences, view individual fund details, new funds, and top-performing funds[@top-funds-data].

You can also compare funds on their risk levels and investment strategy.

Search and filter for funds using the fund explorer.

How to invest in unit trusts on the app

Log on to the HSBC Singapore app and open a unit trust investment account today.

From there, you can explore, review and shortlist from more than 100 unique funds based on your risk profile, including ESG funds.

Buy unit trusts as a lump sum investment or Regular Savings Plan. Or sell your holdings to suit your investment needs and strategies. All on the app.

Unit Trust offers

Markets might be uncertain, but our 1-month 8% p.a. fixed investment return is not[@gif-risks]

Build portfolio resiliency and protect your wealth by investing in lower risk and stable Money Market Funds (MMFs) such as HSBC Singapore Dollar Liquidity and Fullerton SGD Cash. From now till 31 January 2026, get 1-month fixed 8% p.a. fixed investment return[@ut-fixed-return] on your 1st MMFs unit trust investment via HSBC SG App or Internet Banking website. T&Cs apply (PDF).

This product advertisement has not been reviewed by the Monetary Authority of Singapore.

Featured funds

PIMCO Income

A flagship global multi-sector and high-quality bond fund that offers a stable and diversified core income solution with stable income and stronger protection against market recession.

  • Strong track record: Outperforms peers through volatile interest-rate cycles; fund is up ~8.5% YTD as of end Oct 2025[@ut-pimco]
  • High quality portfolio: Provides resilience across various market environments and protection against market recession
  • Stable income: Offers a consistent and attractive monthly distribution of 6% p.a.[@ut-pimco]

All investments carry risks, please refer to the fund materials for comprehensive information and risks. The dividend amount or dividend rate/yield is not guaranteed. Performance shown is on a NAV-to-NAV basis in the denominated currency, excluding the preliminary charge and on the assumption that distributions are reinvested, as applicable. Past Performance is not a guarantee or reliable indicator of future results, and no guarantee is being made that similar returns will be achieved in the future.

AB Low Volatility Equity Portfolio

A lower volatility global equity portfolio that delivers smoother pattern of returns regardless of environment.

  • Consistent Long-Term Track Record: Over 10+ year track record of delivering strong risk adjusted returns over the long-term. Fund is up ~9.8% since inception as of end Oct 2025[@ut-ab]
  • Lower Volatility than Peers: 90/70 approach where the Fund captures 90% upside, and 70% downside protection helps mitigate risk in down markets without losing equity potential
  • Differentiated: Targets firms via its Quality, Stability and Price (QSP) strategy; lower-risk companies with predictable earnings streams often have steadier trading patterns

All investments carry risks, please refer to the fund materials for comprehensive information and risks. Past performance is not indicative of future results. Performance is computed on the assumption that all dividends and distributions are reinvested, on a NAV-to NAV basis.

What you need to know about unit trusts

Who can apply?

To invest in unit trusts, you'll need to have all of the following:

  • An active investment account with HSBC with online banking
  • A valid settlement account in the denominated currency of the fund you wish to invest into
  • A valid Customer Knowledge Assessment (CKA) where you have assessed to have knowledge and experience in transacting unit trusts

Fees and charges

There are fees and charges involved when investing in unit trusts, and they may differ across different funds. Refer to the relevant fund documents for details. To do so, you can search for the fund via our online platform: Fund Express.

Or refer to our website for any latest promotional fees and charges.

For more information, you can contact your Relationship Manager directly, or request a callback.

For bank tariffs, please see our Fees and Charges (PDF).

Key risks 

Put your trust in an award-winning bank

Singapore's Best Investment Research

HSBC was awarded Singapore's Best Investment Research award in Euromoney Global Private Banking Award 2024*. We're the preferred wealth partner for multigenerational families globally. We're committed to delivering high-quality insights and market analyses to help our clients make informed decisions.

*Singapore's Best Investment Research award was won by HSBC Private Banking.

 

Open an investment account to start trading

Already an HSBC customer?

If you already hold a current or savings account you can apply for a unit trust investment account on our app. Log on, tap 'Wealth', then 'Open investment account'.

Not downloaded the app? Scan the QR code with your mobile device.

scan QR code to download HSBC Singapore app

New to HSBC?

If you don't have an HSBC current or savings account, you can apply for one now.

Other ways to apply for an investment account

With online banking 

Existing investors

If you already have an equity investment account you can start investing now in the app. Log on, tap 'Wealth', then 'Stocks'.

You can also invest online.

Frequently asked questions

What are unit trusts? 

How can I invest in unit trusts (UTs)? 

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Additional information

    Disclaimer 

    This document is for information only and for general circulation. It (or any part of it) shall not form the basis of, or be relied on in connection with, any contract or commitment. It should not be construed as an offer, recommendation or the solicitation of an offer to enter into any buy / sell transaction or adopt any hedging or trading strategy relating to, or a forecast on future performance of, any investment or securities in any jurisdiction where such activities would be unlawful under the laws of such jurisdiction, such as the United States and Canada.

    The specific investment objectives, personal situation and particular needs of any person have not been taken in consideration. You should not rely on this document as investment advice. Please note that unit trusts are complex products and cannot generally be sold without advice. In particular, if you have limited knowledge on investment products, you are encouraged to seek advice from a financial adviser. If you choose not to seek advice from a financial adviser, you should carefully consider whether the investment is suitable. Any transaction that you decide to make will be of your own choice and at your own risk.

    This advertisement has not been reviewed by the Monetary Authority of Singapore.

    In broad terms 'ESG and sustainable investing' products include investment approaches or instruments which consider environmental, social, governance and / or other sustainability factors to varying degrees. Certain instruments we classify as ESG or sustainable investing products may be in the process of changing to deliver sustainability outcomes. There is no guarantee that ESG and sustainable investing products will produce returns similar to those which don't have any ESG or sustainable characteristics. ESG and sustainable investing products may diverge from traditional market benchmarks. In addition, there is no standard definition of, or measurement criteria for, ESG and sustainable investing or the impact of ESG and sustainable investing products. ESG and sustainable investing and related impact measurement criteria are (a) highly subjective and (b) may vary significantly across and within sectors.

    HSBC may rely on measurement criteria devised and reported by third-party providers or issuers. HSBC does not always conduct its own specific due diligence in relation to measurement criteria. There is no guarantee that: (a) the nature of the ESG / sustainability effect of, or measurement criteria for, an investment will be aligned with any particular investor's sustainability goals, or (b) the stated level or target level of ESG / sustainability effect will be achieved. ESG and sustainable investing is an evolving area and new regulations and coverage are being developed which will affect how investments can be categorised or labelled in the future.

    Today we finance a number of industries that significantly contribute to greenhouse gas emissions. We have a strategy to help our customers to reduce their emissions and to reduce our own. For more information visit www.hsbc.com/sustainability.

    Risk disclosure

    Investments involve risks. Funds are investment products and some may involve derivatives. The value of investments, units / shares of the funds and the income accruing to the units / shares, if any, may fall or rise, and the investor may not get back the original sum invested. Past performance is not necessarily indicative of future performance. In a worst-case scenario, the value of the fund may be worth substantially less than the original amount you have invested (and in an extreme case could be worth nothing). Investments in funds are not deposits or other obligations of or guaranteed by HSBC or any of its affiliates. Foreign currency transactions are subject to risk of exchange rate fluctuations and exchange controls may apply to certain currencies from time to time.

    For the risks relating to each specific fund, please refer to the prospectus, product highlights sheet, information memorandum or profile statement. A copy of the prospectus, product highlights sheet, information memorandum or profile statement of each fund is available and may be obtained at HSBC branches. Investors and potential investors should read the prospectus, product highlights sheet, information memorandum or profile statement before deciding whether to subscribe for, or purchase units / shares of the fund.

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