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Regular Savings Plan (RSP)

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

Key features

Easy access to the markets

A more accessible way to begin would be to invest in a unit trust. It only takes an initial investment of SGD1,000 followed by subsequent contributions as low as SGD100 per month.

Disciplined approach

One of the keys to being successful in your investment journey is to have the discipline to invest regularly. RSP helps make investments automatically on behalf of investors each month, based on their instructions. It is important to note that even with a RSP, you still maintain cash flow flexibility because you are still able to reduce or to cancel your RSP investments at any point in time that you wish.

Dollar cost averaging

Dollar cost averaging takes the emotion out of investing by having you purchase the same small amount of an asset regularly. This means you buy fewer units when prices are high and more when prices are low. Dollar cost averaging works because over the long term, asset prices tend to rise. But asset prices do not rise consistently over the near term. Instead, they run to short-term highs and lows that may not follow any predictable pattern.

Unit Trust Offer

From 1 January to 31 March 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. Term 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
  • If you want to invest in a unit trust from another country/region, you'll need a Foreign Currency Account with that country/region's currency

Start investing today

New to HSBC

Don't have an existing current/savings account?

Enjoy faster application with Myinfo via Singpass.

Existing HSBC Customer

Don't have an Unit Trust Investment account?

Open an award-winning Investment account through online banking.

Offer: Get SGD30 when you open any Investment account with us and become eligible to trade. Terms and conditions apply.

How to apply – Simply log in to HSBC Mobile Banking App, go to Wealth Tab and Click Open Investment Account.

Existing Investor?

Are you an existing savings and Unit Trust investment account holder?

Things to know

Frequently asked questions

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