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.

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Invest and we'll plant trees on your behalf

You can now create an even greater impact on our world when you invest in our comprehensive range of sustainability-themed/ESG funds. From 1 July to 31 December 2022, for every ESG fund that you invest in via our HSBC Singapore app or other channels, HSBC will plant up to 8 trees in Malaysia, Indonesia and India. This is in partnership with One Tree Planted, a charity focused on global reforestation. Join us to invest for a better future! Terms and conditions apply.

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Grow your wealth with the HSBC Singapore app

With the HSBC Singapore app, you can now access a wide range of unit trusts and get a complete overview of your Unit Trust Portfolio at your fingertips. Plus, compare, analyse, buy, and sell unit trusts whenever you want on your mobile device.

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

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Unit Trust Offers

0% sales charge

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

From 1 July – 30 September 2022, enjoy 0% sales charge on monthly Regular Savings Plan contributions and 0.85% sales charge for lump sum investment in Unit Trusts purchased online.

0% sales charge applies only for monthly contributions for the first 6 months. Initial contributions will be subjected to a sales charge of 0.85%. Terms and conditions apply.

Log on now to take advantage of zero percent sales charge

Cashback on investment via HSBC Singapore App

Enjoy cashback of up to SGD130 when you invest via the HSBC Singapore App from 1 July – 30 September 2022. The cashback amount will be determined by each lump sum investment amount according to the tier set out below. Terms and conditions apply
Lump sum investment amount	Cashback	Cashback cap
Minimum of SGD6,000 or foreign currency equivalent	SGD30	1X
Minimum of SGD10,000 or foreign currency equivalent	SGD40	1X
Minimum of SGD14,000 or foreign currency equivalent	SGD60	1X

Enjoy cashback of up to SGD130 when you invest via the HSBC Singapore App from 1 July – 30 September 2022. The cashback amount will be determined by each lump sum investment amount according to the tier set out below. Terms and conditions apply
Lump sum investment amount	Minimum of SGD6,000 or foreign currency equivalent
Cashback	SGD30
Cashback cap	1X

Lump sum investment amount	Minimum of SGD10,000 or foreign currency equivalent
Cashback	SGD40
Cashback cap	1X

Lump sum investment amount	Minimum of SGD14,000 or foreign currency equivalent
Cashback	SGD60
Cashback cap	1X

Transfer-in promotion

From 1 July – 30 September 2022, receive cash of 0.1% of the transfer-in value when you transfer your eligible Unit Trust (at least SGD25,000) from other banks to us.

Terms and conditions apply

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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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 (RSP)

Make monthly regular smaller sized investments on a selected fund to reduce market volatility. This is known as dollar cost averaging.

From 1 April 2022 until 30 June 2022, enjoy 0% sales charge on monthly Regular Savings Plan contributions and 0.85% sales charge for lump sum investments in unit trusts purchased online. T&Cs apply.

To invest in a Regular Savings Plan:

Minimum first investment of SGD1,000
Minimum 6 months tenure
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

HSBC Wealth Portfolio Plus

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

Find out more about Wealth Portfolio Plus

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.

Find out more about the fincnnect page

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

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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 trust investment

Discover and invest in unit trusts (or funds)

Get started on unit trust

Invest and we'll plant trees on your behalf

Grow your wealth with the HSBC Singapore app

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

Don't have the HSBC Singapore app? Download it now!

Unit Trust Offers

Cashback on investment via HSBC Singapore App

Transfer-in promotion

Benefits of unit trusts

Learn more about unit trusts

See our unit trust range

Ways to invest in Unit Trust

Lump Sum Investment

Regular Savings Plan (RSP)

Things to consider

Eligibility

Things to know

Fees & charges

Disclaimer

Product Risk Rating

How to invest

Already a customer? Open an award-winning investment account today.

New to HSBC?

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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