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Invest in an ISA

A stocks & shares ISA could be a great way to start investing

If you have investments with us, you can read HSBC analysis of how the coronavirus is affecting global markets on our Wealth Insights hub.

ISAs are a tax-efficient way to save for the future because you pay no tax on the income and growth.

In 2020/21, you can save up to a maximum of £20,000 in an ISA – either in a lump sum or spread out over the financial year. And you can share this year’s allowance between a stocks & shares ISA, a cash ISA, an innovative finance ISA and a lifetime ISA. Want to know more about using your tax allowances? Visit our tax hub.

The benefit of choosing a stocks & shares ISA is it gives you access to a diversified range of assets, instead of just cash. This means it has the potential to give you a better return than cash.

Investing comes with risk so you may not get back what you invest. You can access your money if you need to – usually within 5 days – however you should aim to invest for at least 5 years. Not ready to invest yet? Take a look at our Cash ISA.

Remember, the value of any tax benefits described will depend on your circumstances and tax rules may change in the future.

Choosing your own investments

Want an easy way to start investing?

Global Strategy Portfolios is a one-stop investment that’s managed on your behalf. All you need to do is choose your preferred level of risk and we’ll take care of the rest. Start investing with a lump sum of £100.

Looking for more choice?

Our fund shortlist offers managed funds from HSBC and other carefully-selected fund managers. Whether investing for income or growth, choose from a range of multi-asset funds. Start with a lump sum of £100.

Like doing your own research?

Search over 450 funds from HSBC and other fund managers in our Global Investment Centre. As well as multi-asset funds, you’ll find index trackers and single-asset funds. Start with a lump sum of £100 or £50 per month.

Prefer to pick your own shares?

With InvestDirect, you can research companies and set up share price alerts. You can even create a virtual portfolio so you can test your ideas before you invest. No minimum investment.

To invest with us, you need to have an HSBC current or savings account. For funds you’ll be charged an account fee plus an ongoing fee for managing your investment. For shares, you’ll pay an account fee plus a trading fee.

Getting some help to decide

Not sure how to get started?

If you’re keen to do more with your money, HSBC My Investment can show you how. Start investing with as little as £50 per month for an advice fee of just 0.5%.

Want to talk about ways to invest?

Our UK-based financial advisers can provide tailored investment advice over the phone. Available for investments of £20,000 or more for an advice fee of 1.9%.

Looking for financial advice?

A Premier Relationship Manager can help you create meaningful plans to help you thrive. Available if you have £50,000 or more in savings and investments for an advice fee of 2.75%.

To invest with us, you need to have an HSBC current or savings account. As well as the one-off advice fee, you’ll also pay an ongoing fee for managing your investment.

Explore more

 

How an investment ISA works and what you need to consider.    

 

Demystifying investing to help you get started.

 

A step-by-step guide to choosing your own investments.

 

Uncertainty's no reason to put your future on hold.

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