Learn more about the wealth products available through HSBC
A safe haven for your extra savings
Time Deposits
Higher interest rates than savings accounts - guaranteed by us.
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Deposit period between 1 week and 36 months, with higher interest rates available for longer durations
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Receive interest payments either at the end of the deposit period or every 6 months if your deposit period runs for 18 months or more
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We guarantee returns and elevated security for you, with your deposits being protected under Hong Kong's Deposit Protection Scheme
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Available in 11 currencies
Lending money to banks
Certificates of Deposit (CDs)
CDs are offered by a range of banks, who are known as issuers. When purchasing CDs, you're lending money to the issuing bank, which provides a fixed amount return at maturity. You're also entitled to a specified interest level for the lending period.
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Product tenor between 3 to 12 months typically, with higher interest rates available for longer durations or issuers with lower credit ratings
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Coupon payment are paid at a set frequency based on a fixed rate or pegged to a benchmark
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We'll provide you the issuer's credit ratings whenever possible to help you make a well-informed decision, as there are risks involved with whether the issuer can pay you
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The option of selling a CD at the prevailing market rate before its maturity is available, but this could come with potential losses
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Available in major currencies
Lending money to governments or corporations
Bonds
Bonds are investment instruments offered by a range of governments and corporations, known as the issuers. When investing in bonds, you're lending money to the issuing organisations, and in return, you’re provided a fixed amount at maturity. You're also entitled to a specified level of interest, known as a coupon, throughout the duration of the bond.
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Investment periods range between less than 1 year to over 10 years, typically with higher potential return for longer durations or bonds with lower credit ratings
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Coupon payment are distributed at a set frequency at a fixed rate or pegged to a benchmark
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We'll provide you the issuer's credit ratings whenever possible to help you make a well-informed decision, as there are risks involved with whether the government or corporation can pay you
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The option of selling bonds at the prevailing market rate before their maturity is available, and this could come with potential gains or losses, depending on the relevant market situation
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Available in major currencies
Increase your guaranteed returns when interest or exchange rates move in line with your predictions
Capital protected investments (CPI)
CPI guarantees returns on market predictions. If the market meets your prediction in either direction, you'll get a higher interest rate. You'll still retain your principal with an interest rate similar to the market rate if the market goes the opposite way to your prediction.
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100% capital protection at maturity
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Investment period ranges from 3 months to 2 years
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Predictions can be optimistic, pessimistic or neutral
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Receive potential higher interest return if your view on the currency pair or on the performance of interest rate indexes matches the market
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Available in most major currencies
Capture opportunities from exchange rate movements and serve your currency needs
Deposit Plus (DPS)
DPS gives you the chance for higher interest by integrating deposit and foreign currency options as you predict the exchange rate movement between 2 currencies. If the exchange rate meets your prediction, you'll receive interest with your principal at the deposit currency. If the opposite happens, you'll still receive the same interest with your principal in the linked currency at the conversion rate.
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Investment period ranges from 1 week to 3 months
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Choose your currency pairing from 11 major currencies and make your own DPS with your desired conversion rate or interest rate
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Receive principal and interest plus the opportunity to exchange for the linked currency at a rate lower than the initial rate if the fixing rate goes against your prediction
Trade in the Hong Kong, US or China stock markets
Stocks
There are 2 ways to earn returns: regular dividends, or capital appreciation (where the value of the stocks rise) when you decide to sell off your stocks. You can invest in stocks and exchange-traded funds (ETFs) listed in Hong Kong, the US or mainland China.
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Build your own diversified portfolio by buying equity from publicly listed securities in 3 major markets
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Participate in initial public offerings (IPOs) of companies listing in Hong Kong
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Trade safely with the world-class security and stability we provide
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Place quick orders with detailed and real-time market data, using our Easy Invest app or Personal Internet Banking
Capture opportunities from equity movements
Equity-linked investments (ELI)
ELI's performance is tied to stock price movements. You can capitalise on your market view for potential cash dividends.
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Choose from more than 200 choices of underlying assets that are a good fit with your investment style, risk appetite and intended returns
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Receive principal and interest plus the opportunity to buy the linked equity at a price lower than the initial price if the stock price drops below the trigger level
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Be protected from market downside with an 'airbag' feature
Professionally managed portfolios
Unit trusts - actively managed funds
Unit trusts give you the diversity and access to markets that would otherwise be out of reach, and are professionally managed by a range of established fund houses. Select a balanced fund for broad diversification, or invest in a fund that focuses on a specific asset class, sector or geographic region.
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A professional fund manager will take care of your portfolio by monitoring the market and optimising the fund's holdings on your behalf
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Many funds provide regular returns as well as capital appreciation, where you can sell the asset at a higher price
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If you choose to withdraw your investment, funds can be redeemed anytime at their net asset value with no fees or deductions
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With each fund carrying a different risk level, returns aren't guaranteed and could vary; refer to our fund documents for more details
Add another layer of protection for yourself
Life insurance
We offer a range of insurance plans for you to grow your wealth, fulfill your life coverage needs and earn cash value along the way.
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Make sure you're covered for life milestones like your retirement and education. Plan for financial sufficiency for your life protection and generate savings for your future
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Our products offer you a layer of protection along with opportunities for returns through regular premium payments
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Get coverage for as short a period as 2 years, or as long as 15 years, with the perks of a more hands-off approach as we manage your coverage plans for you
Links - Life insurance
Need some investment ideas?
HSBC Wealth Insights
Read how market movements impact your portfolio, with our latest house views and analysis.
Daily FX Focus
A comprehensive and timely analysis on foreign currencies
Horizons - Your Investment Bulletin
A quick yet comprehensive monthly overview of the investment market and relevant products for reference