What Is Unit Trust | Unit Trust Investment

Discover and invest in unit trusts (or funds)

It doesn't matter if you want to invest in a low-risk fund, be more adventurous in your outlook, or look to build a portfolio to meet your financial goals – there's a unit trust out there for you. Explore our extensive range of carefully selected unit trusts to suit different risk profiles.

Unit Trust Offers

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Unit Trust & Time Deposit Promotion

From 1 September 2023 to 30 September 2023, enjoy preferential rates on your SGD/USD 4-month time deposit when you invest in a minimum of SGD/USD 50,000 (or foreign currency equivalent) into eligible unit trust investments.
Minimum qualifying UT investment amount	Qualifying TMD amount	Promotional rate on a 4-month tenor	TMD placement period by
SGD 50,000	SGD 5,000 to 100% of investment amount	8% per annum	30 September 2023
USD 50,000 (or foreign currency equivalent)	USD 25,000 to 100% of investment amount	8% per annum	30 September 2023

From 1 September 2023 to 30 September 2023, enjoy preferential rates on your SGD/USD 4-month time deposit when you invest in a minimum of SGD/USD 50,000 (or foreign currency equivalent) into eligible unit trust investments.
Minimum qualifying UT investment amount	SGD 50,000
Qualifying TMD amount	SGD 5,000 to 100% of investment amount
Promotional rate on a 4-month tenor	8% per annum
TMD placement period by	30 September 2023

Minimum qualifying UT investment amount	USD 50,000 (or foreign currency equivalent)
Qualifying TMD amount	USD 25,000 to 100% of investment amount
Promotional rate on a 4-month tenor	8% per annum
TMD placement period by	30 September 2023

Terms and conditions apply

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Save and Invest

Reap the benefits of diversification and professional management at a lower starting capital with Unit Trusts.

From 1 July to 30 September 2023, enjoy a discounted 0.85% sales charge¹ on lump sum investment and initial contribution on Regular Savings Plan (RSP) in Unit Trusts purchased via HSBC's Online Unit Trust platform. Terms and conditions apply.

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Capital Group Global Corporate Bond

Explore defensive options for periods of uncertainty with a quality bond fund consistent with capital preservation and prudent risk management by investing in corporate investment grade bonds worldwide.

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HSBC GIF ESG Short Duration Credit Bond Fund

Explore crossover corporate bonds* with a low carbon score and fossil fuel exposure.

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*Crossover Corporate Bonds are bonds issued by companies with a credit risk rating between BB and B.

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Benefits of unit trusts

Unit trusts offer several key benefits:

Diversification in one investment

A unit trust fund invests in a diverse portfolio of investments. This helps to diversify your risk better than investing in a single security.
Liquidity and no lock-in period

You can buy and sell unit trusts on any dealing day with ease - online or through your Relationship Manager.
Low costs and investment commitment to access a basket of securities

Unit trusts let you access a portfolio of investments from as low as SGD1,000 - a more cost efficient option than building the portfolio yourself.
Access to different markets and investment instruments

Gain exposure to countries/regions, sectors and investments that are not easily accessible as an individual.
Professional management

Let the experts work for you - your investments are managed by investment professionals who spend their careers researching and managing investments.

Learn more about unit trusts

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Lump Sum Investment

Make a one-time investment on a fund
Minimum SGD1,000 placement

Regular Savings Plan (RSP)

Make monthly regular smaller sized investments on a selected fund to reduce market volatility. This is known as dollar cost averaging.
From 1 July to 30 September 2023, enjoy a discounted 0.85% sales charge on lump sum investment and initial contribution on Regular Savings Plan (RSP) in Unit Trusts purchased via HSBC's Online Unit Trust platform. Terms and conditions apply.
To invest in a Regular Savings Plan:

- Minimum first investment of SGD1,000

- Subsequent investment of as low as SGD100 per month

Find out more about saving plan Invest Now to log on for Regular Savings Plan (RSP)

Lump Sum Investment

Make a one-time investment on a fund
Minimum SGD1,000 placement

Regular Savings Plan (RSP)

Make monthly regular smaller sized investments on a selected fund to reduce market volatility. This is known as dollar cost averaging.
From 1 July to 30 September 2023, enjoy a discounted 0.85% sales charge on lump sum investment and initial contribution on Regular Savings Plan (RSP) in Unit Trusts purchased via HSBC's Online Unit Trust platform. Terms and conditions apply.
To invest in a Regular Savings Plan:

- Minimum first investment of SGD1,000

- Subsequent investment of as low as SGD100 per month

Find out more about saving plan Invest Now to log on for Regular Savings Plan (RSP)

You can search for funds based on your own preferences, view individual fund details, new funds and top performing funds^*. You can also select funds for comparison on features such risk level and investment strategy.

Compare funds to find the best one for you This link will open in a new window New funds to find the latest one for you This link will open in a new window Top performing funds to find the top performing one for you This link will open in a new window

^*Information provided by Morningstar Asia Limited based on latest available month-end performance data.

Know more about Unit Trust Investments

You need to have 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.
Valid Customer Knowledge Assessment (CKA) where you have assessed to have knowledge and experience in transacting UT.

You need to have 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.
Valid Customer Knowledge Assessment (CKA) where you have assessed to have knowledge and experience in transacting UT.

As with all investments, there is an element of risk.

Market volatility will cause the value of a unit trust to rise or fall
Foreign exchange rates can fluctuate, so a unit trust may change in value if it invests in investments denominated in a different currency than what you invested in
The performance of any unit trust also depends on the expertise and investment decisions of its fund managers
Unit trusts differ in terms of investment objectives, strategies, risks and costs. It is important to choose one that best matches your investment objectives and risk profile.

There are fees and charges involved in investing in Unit Trusts and this may differ across different funds. Please refer to the relevant fund documents by searching for your choice of fund(s) in Fund Express. Alternatively, the latest promotional fees and charges (if any) can be found on our website. You may contact your Relationship Manager or leave your contact details for more information.

Fees and Charges (PDF) to open wealth management bank tariffs pdf Download

Grow your wealth with the HSBC Singapore app

With just a single log in, you can open a Unit Trust investment account, explore, review and shortlist from more than 100 unique funds across risks profiles, including ESG funds. Your investment journey doesn't stop there, you can buy Unit Trusts via a Lump Sum or Regular Savings Plan, or sell your holdings, depending on your investment needs and strategies. Do all these at your fingertips, 24/7. Learn more about the new features here:

Here's how to invest in unit trusts using the HSBC Singapore app

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You don't need a fortune to start investing

It's not just for the rich. See how you can begin your journey today.

Find out more about how to start investing

You don't need a fortune to start investing

It's not just for the rich. See how you can begin your journey today.

Find out more about how to start investing

HSBC Wealth Portfolio Intelligence Service

A new proprietary tool designed to help you achieve your investment goals. Available on both HSBC online banking and the HSBC Singapore app.

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HSBC FinConnect

HSBC FinConnect is enabled by the Singapore Financial Data Exchange (SGFinDex) and lets you view your personal financial data, including information from other banks, SGX CDP and Myinfo securely in the HSBC Singapore app.

With HSBC FinConnect, you can get a clear overview of your money and investments, which makes it easier to map out and work towards your financial goals.

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Things to know

"Sustainable investments" include investment approaches or instruments which consider environmental, social, governance and/or other sustainability factors (collectively, "sustainability") to varying degrees. Certain instruments we include within this category may be in the process of changing to deliver sustainability outcomes.
There is no guarantee that sustainable investments will produce returns similar to those which don't consider these factors. Sustainable investments may diverge from traditional market benchmarks.
In addition, there is no standard definition of, or measurement criteria for sustainable investments, or the impact of sustainable investments ("sustainability impact"). Sustainable investment and sustainability impact measurement criteria are (a) highly subjective and (b) may vary significantly across and within sectors.
HSBC may rely on measurement criteria devised and/or 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: (a) that the nature of the sustainability impact or measurement criteria of an investment will be aligned with any particular investor's sustainability goals; or (b) that the stated level or target level of sustainability impact will be achieved.
Sustainable investing is an evolving area and new regulations may come into effect which may affect how an investment is categorised or labelled. An investment which is considered to fulfil sustainable criteria today may not meet those criteria at some point in the future.

Investment involves risk. Unit Trusts are investment products and some may involve derivatives. The value of investments and units and the income accruing to the investments/units, if any, may go down and up, 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). Investors and potential investors must not solely rely on the content of this material to make investment decisions and should read carefully and understand the offering documents (including the prospectus and full text of the risk factors stated therein), available at HSBC branches, before investing.

Investors and potential investors must not solely rely on the content of this material to make investment decisions and should read carefully and understand the offering documents (including the prospectus and full text of the risk factors stated therein), which is available and may be obtained from HSBC branches, before investing/deciding whether to subscribe for or purchase any units.

Learn about an enhanced risk rating framework that helps you find wealth solutions suitable for your needs.

Frequently asked questions

If you have an existing UT investment account and access to HSBC Online Banking:
1. You may conveniently place your orders 24/7 through Wealth Dashboard via HSBC Online Banking. Please note that there is a cutoff dealing period of before 3.30 p.m.
2. Orders placed at any time on a non-business day will be processed on the next business day.
If you have an existing UT investment account but no access to HSBC Online Banking:
1. Refer to the HSBC Online banking FAQ here.
If you do not have an existing UT investment account:
1. Speak to your relationship manager at our branches OR
2. Submit an online enquiry here.