Unit Trusts

Diversify your investments with unit trusts

Unit trusts help you diversify your investments into different markets and investment instruments. Whether you're making your first investment, or adding to your portfolio, you can choose from a range of funds that match your risk appetite and investment goals.

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Fees and charges

All open-end funds (except bond funds)

You can enjoy a unit trust preferential initial subscription charge when you use your HSBC account to place a subscription order.
Subscription[@investments-ut-initial-charge], [@investments-ut-initial-charge-actual] amount / fund type	HSBC Premier	HSBC One or Personal Integrated Account	Other investment accounts
Below HKD1,000,000	2.50%	3.00%	3.00%
HKD1,000,000 or above	2.50%	2.50%	3.00%

You can enjoy a unit trust preferential initial subscription charge when you use your HSBC account to place a subscription order.
Subscription[@investments-ut-initial-charge], [@investments-ut-initial-charge-actual] amount / fund type	Below HKD1,000,000
HSBC Premier	2.50%
HSBC One or Personal Integrated Account	3.00%
Other investment accounts	3.00%

Subscription[@investments-ut-initial-charge], [@investments-ut-initial-charge-actual] amount / fund type	HKD1,000,000 or above
HSBC Premier	2.50%
HSBC One or Personal Integrated Account	2.50%
Other investment accounts	3.00%

Bond funds

Enjoy a discount on your initial subscription charge when you use your HSBC investment account to subscribe for the first time.
Subscription[@investments-ut-initial-charge], [@investments-ut-initial-charge-actual] amount / fund type	HSBC Premier	HSBC One or Personal Integrated Account	Other investment accounts
Below HKD1,000,000	2.00%	2.00%	2.00%
HKD1,000,000 or above	1.50%	2.00%	2.00%

Enjoy a discount on your initial subscription charge when you use your HSBC investment account to subscribe for the first time.
Subscription[@investments-ut-initial-charge], [@investments-ut-initial-charge-actual] amount / fund type	Below HKD1,000,000
HSBC Premier	2.00%
HSBC One or Personal Integrated Account	2.00%
Other investment accounts	2.00%

Subscription[@investments-ut-initial-charge], [@investments-ut-initial-charge-actual] amount / fund type	HKD1,000,000 or above
HSBC Premier	1.50%
HSBC One or Personal Integrated Account	2.00%
Other investment accounts	2.00%

Other services

Services pricing table
Services	Charges
Redemption / management / other fees	Please refer to the respective prospectus of the fund
Switching fee [@investments-ut-switch-fund]	Up to 1% of the switching amount
Investment order confirmation eAlerts	Free of charge
Transfer-out[@investments-ut-transfer]	Administration fee of HKD100 per fund transferred

Services pricing table
Services	Redemption / management / other fees
Charges	Please refer to the respective prospectus of the fund

Services	Switching fee [@investments-ut-switch-fund]
Charges	Up to 1% of the switching amount

Services	Investment order confirmation eAlerts
Charges	Free of charge

Services	Transfer-out[@investments-ut-transfer]
Charges	Administration fee of HKD100 per fund transferred

Ways to invest in unit trusts

Unit trusts enable investors to diversify their investments into different markets and investment instruments such as equities, bonds, securities, currencies and warrants/derivatives.

If you would like to enjoy the benefits of diversification through unit trust investments, you can invest a lump sum amount or set up a monthly investment plan.

Diversify your portfolio with unit trust investment with as little as USD1,000/HKD10,000 in a lump sum.

Minimum investment: From USD1,000/HKD10,000

Make monthly investments and achieve your wealth goals without having to tie up your savings

Minimum investment: No initial lump sum is required. Minimum monthly contribution per fund[@investments-ut-irregular] from HKD1,000

FlexInvest is the fastest way to diversify with our low-cost index funds and ready-made portfolios

Rebalance your portfolio as often as you like, with a single account fee for unlimited transactions

Open the app and go to Investment > Unit Trust to browse funds.

Select a fund and evaluate fund details. Please read through the offering documents carefully, including the risk factors.

Fill in the order details, then review and confirm your order.

Things you should know

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Unit trusts (or mutual funds) give investors the opportunity to diversify even a small investment in securities, bonds, currencies and commodities in markets around the world. This is achieved by combining the resources of many investors into one large fund which can be spread over a number of different investments and over a wide geographical area. This range of investments is called a portfolio. Unit trusts have a number of benefits:

Spreading the risk. You spread your investment across a diverse portfolio. This is usually safer than investing in a single share. Of course, levels of risk and return also vary among different funds.
Professional management. Fund managers spend their working lives researching and managing investments. It would be very difficult for an individual to have an in-depth knowledge of markets around the world. With a unit trust, their expertise is working for you.
Access to worldwide markets. Your money can be invested in overseas markets, which may not be easily accessible by individuals.
Economies of scale. With a large number of investors contributing to a single fund, operating costs and commissions can be amortised. Individual investors thus pay lower fees.
Liquidity. You can buy and sell unit trusts on any dealing day (except on public holidays in the countries/regions to which your fund is linked). Your money need not be tied up for long periods of time.

Some unit trust products are linked to the index options listed on the various stock exchanges or sometimes to currency options. They can be slightly riskier than more diverse funds.

You don't need to make a large lump sum investment. We can also offer you a monthly investment plan where no initial lump sum is required and the monthly contribution is as low as HKD1,000.

HSBC offers a wide range of unit trusts under 3 major asset categories, namely equity funds, balanced or multi-assets funds and fixed income funds. Individual funds are invested in different regions, with different investment strategies and objectives to serve our customers' wealth needs better according to their risk appetite.

The relevant fees and charges of individual unit trusts may vary, including but not limited to the initial charge and annual management fee. Please refer to the detailed fees and charges in the respective offering documents.

In general, investors are exposed to the following risks in investing in unit trusts and investors should refer to the individual product offering document for further details and specific risks involved.

Investment risk - unit trusts are NOT equivalent to time deposits. They are investment products and some may involve derivatives. Investment involves risks. Past performance is no guide to future performance of the funds. Value of the investments can fluctuate and is not guaranteed.
Credit risk - for funds investing in bonds, bonds are subject to the risk of the issuer defaulting on its obligations. It should also be noted that credit ratings assigned by credit rating agencies do not guarantee the creditworthiness of the issuer
Liquidity risk - there is a risk that investments made by a unit trust may become less liquid in response to unfavourable market developments or market sentiment
Currency risk - if the fund's assets and income are denominated in currencies other than the base currency of the fund, currency movement may affect the value of the fund's share price.

You can place your subscription and redemption orders via HSBC Online Banking. If you already have an HSBC investment account, you can simply log on and execute your orders with us. We also offer unit trust investment services through our branches. To open an HSBC investment account, simply visit the HSBC website or visit us at any HSBC branch in Hong Kong.

You can also check out our digital guide for more information on how to trade unit trusts online.

Yes, we will provide you with a contract note of the relevant transactions. You can also find your unit trust holding records on your consolidated monthly statement (if applicable).

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Our range of structured products make it easy for you to stay on track with your financial goals, within your risk appetite

Notes

Other promotional offers on open-end fund initial charge maybe available from time to time. Customer will enjoy the preferential initial charge offer set out above or the prevailing promotional offer, whichever rate is lower.
Details of this open-end fund preferential initial charge offer may be changed from time to time at the discretion of The Hongkong and Shanghai Banking Corporation Limited in Hong Kong SAR (the "Bank") without prior notice.
The Bank reserves the right to change these Terms and Conditions at any time with reasonable notice and the initial charge offer may be withdrawn by the Bank at its discretion without prior notice.
In case of dispute, the decision of the Bank shall be final and conclusive.
In case of discrepancies between the English and Chinese versions of these Terms and Conditions, the English version shall apply and prevail.

The information is not and should not be construed as an offer to buy or sell any investment products, and should not be considered as investment advice. You should carefully consider whether any investment products are appropriate in view of your investment experience, objectives, financial resources and relevant circumstances.

Investment involves risk. Investors should not only base on this material alone to make investment decisions. Please refer to the offering documents of the respective funds for details, including risk factors. The price of units or shares and the income from them may go down as well as up and any past performance figures shown are not indicative of future performance. The information contained on this website is intended for Hong Kong 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. Please refer to the unit trust disclaimer for further important details.

The contents of this page have not been reviewed by the Securities and Futures Commission.

Issued by the Hongkong and Shanghai Banking Corporation Limited

Diversify your investments with unit trusts

Key benefits

Spread risk with professional management

Invest at your own pace

Portfolio-based analyses

Leverage our insights and capabilities

Unit Trusts offers

Looking for ideas?

Fees and charges

All open-end funds (except bond funds)

Bond funds

Other services

Ways to invest in unit trusts

Lump sum investment

Trade via the HSBC HK Mobile Banking app

Step 1

Step 2

Step 3

Things you should know

Essential reading

Important documents

Need help?

Talk with us

Don't have an HSBC investment account?

Other ways to contact us

How to trade Unit Trusts online?

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Download HSBC HK App

One touch and you're in

Find out more

What are unit trusts? How can I benefit from investing in unit trusts?

Do I have to make a lump sum investment?

What are the different categories of unit trusts available through HSBC?

What are the key charges for unit trusts? Where can I find fee details and understand the potential risks involved?

What are the risks of investing in unit trusts?

How can I subscribe or redeem unit trusts through my HSBC account?

Will HSBC provide me with regular statements for my unit trust investments?

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Notes

Terms and conditions for unit trusts fees and charges:

Disclaimer: