What Is Unit Trust | Unit Trust Investment

Invest with confidence and peace of mind

Whether you want a low-risk investment, are more adventurous in your outlook or looking to build a portfolio to meet your financial goals - there's a unit trust for you. We have an extensive range of carefully selected unit trusts to suit different risk profiles.

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How to invest about how to invest

Range of funds to see our unit trust range

Unit Trust Offers

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Transfer-in your Unit Trusts and grow with us

Consolidate your Unit Trust holdings with HSBC and be rewarded. From 1 January 2020 until 31 March 2020, receive 0.1% cashback of the transfer-in value of eligible Unit Trusts. Valid for a minimum transfer-in value of SGD50,000.

Contact your Relationship Manager or visit any branch to find out more.

Terms and conditions apply.

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0% sales charge

Reap the benefits of diversification and professional management at a lower starting capital with unit trusts.

From 1 January 2020 until 31 March 2020, enjoy 0% sales charge on the purchase of Regular Savings Plans and only 1% sales charge on lump sum investments in Unit Trusts purchased online.

Terms and conditions apply.

Log on now to take advantage of zero percent sales charge

What is a unit trust?

With a unit trust fund, your money is invested alongside many other investors by a professional fund manager in a diversified portfolio of investments. You don't have to make day-to-day investment decisions, because the manager does that for you. Depending on the fund strategy, your money could be invested in various asset types, from stocks to bonds to currency trading and more.

Benefits

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 (except on public holidays in the countries to which your fund is linked) with relative ease - online or through your Relationship Manager. Your money need not be tied up for a specific period of time.
Low costs and investment commitment to access a basket of securities

Unit trust allows you to gain access to a portfolio of investments from as low as $1,000 and at a lower cost compared to buying them individually and constructing the portfolio on your own.

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

Your investments are managed by investment professionals who spend their careers researching and managing investments. With a unit trust, let their expertise work for you.

See our unit trust range

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.

Ways to invest in Unit Trust

Lump Sum Investment

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

Regular Savings Plan

Minimum 1st investment of SGD1,000
Minimum 6 months
Subsequent investment of as low as SGD100 per month

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

Things to consider

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.

Eligibility

You need to have the following:

An active investment account with HSBC with Personal Internet Banking (PIB).
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.

Things to know

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) Download

Investment involves risk. Unit Trusts are investment products and some may involve derivatives. The value of investments and units 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.

Terms and conditions governing Unit Trust Transactions and the terms and conditions governing Investment Accounts also apply.

The Bank does not make any guarantee, representation or warranty and does not take responsibility as to the accuracy or completeness of the information in the documents. Opinions expressed herein are subject to change without notice.

This document is for information only and should not be construed as an offer to sell or the solicitation of an offer to purchase or subscribe for any investment. The mention of any investment product or class of investment products ("product") should not be construed as representing a recommendation to buy or sell that product, nor does it represent a forecast on future performance of the product. The information contained on this web site is intended for Singapore residents only and should not be construed as a distribution, an offer to sell, or a solicitation to buy any securities in any jurisdiction where such activities would be unlawful under the laws of such jurisdiction, in particular the United States of America and Canada. The specific investment objectives, personal situation and particular needs of any person have not been taken in consideration. You should therefore not rely on it as investment advice. Before you make any investment decision, you may wish to consult a financial adviser. In the event that you choose not to seek advice from a financial adviser, you should carefully consider whether the investment product is suitable for you.

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

How to invest

Existing investor

If you already have an unit trust investment account with HSBC, just log on to browse, buy and sell unit trusts.

Log on to online banking to browse, buy and sell unit trusts This link will open in a new window

Don't have Personal Internet Banking?

New investor

Please get in touch with us to set up an investment account.

Visit our branch

Visit any of our branches to speak to us about opening an investment account.

Find a branch to speak to us about opening an investment account

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.

You need to have the following:

An active investment account with HSBC
An active SGD deposits account with sufficient funds
Undergone the Customer Knowledge Assessment (CKA)

You will not be able to execute online purchases (including switches and Regular Savings Plan applications) yourself. If you wish to invest, investment advice must be provided to you by our Financial Consultants on whether the unlisted specified investment product(s) are suitable before you can proceed with the purchase.

If you are a new investor or need a second opinion to your current portfolio, you can contact our Relationship Manager and they will support you on portfolio review and construction.

Yes, it is compulsory to open a local HSBC SGD or Multi Currency Savings bank account should you wish to open an investment account with us. The benefit of having a local SGD bank account is that you are able to update the Direct or Credit Instruction to enable us to deposit your cash redemption proceeds to your designated bank account directly.

Investing in funds may not be for everyone. For example, they may not be suitable for you if you:

Want potentially higher returns but are not prepared for variable returns which include the risk of losing a substantial part of the money you invested.
Do not understand how returns are calculated or are unclear about the factors and scenarios that can affect returns; do not understand a fund's investment objective, strategy or approach.
Do not understand the risks associated with the fund. Some funds use financial derivatives to hedge risks and/or to improve performance. Investors should be aware of the risks associated with the use of financial derivatives, including the risk that the provider (or counterparty) of the financial derivatives defaults.
Are not prepared to have your money tied up for long periods of time. As funds are exposed to market ups and downs, investors who stay invested long enough may be better able to ride out the downturns. For this reason, you should have adequate financial resources so that you won't have to liquidate your funds during a market down turn if you need the money at short notice. If you need to convert your investments to cash in the short-term to meet specific needs, some funds may not be suitable for you.
Are not familiar with the fund manager and fund's track record.

Read full FAQ about Unit Trust

Unit trusts

Invest with confidence and peace of mind

Get started on unit trust

Unit Trust Offers

What is a unit trust?

Benefits

See our unit trust range

Ways to invest in Unit Trust

Lump Sum Investment

Regular Savings Plan

Things to consider

Eligibility

Things to know

Fees & charges

Disclaimer

Product Risk Rating

How to invest

Existing investor

New investor

Visit our branch

Frequently asked questions

How can I invest in Unit Trust?

What are the prerequisites to investing in Unit Trust?

What does it mean if I do not fulfil the requirements of the Customer Knowledge Assessment (CKA)?

Do I need to have a local SGD bank account to open an investment account with you?

Are Unit Trusts suitable for me?

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