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Getting started as an investor

Make more of your money by becoming an investor. Anyone can do it and with HSBC at your side it's easy to start.

Know your needs

Whether you're planning on buying a property or leaving a bigger inheritance for your children,there is always a type of investment to help achieve your goals. If you have an emergency fund ready for unexpected events, you're prepared to look at your options.

Four things to think about before investing: 

  1. Your goals
    Having a clear goal is the first step to determining your investment type, whether you are considering buying a new house, starting a family or saving your retirement. Your goal might be protecting your current lifestyle, buying a new car or making a big life change.
  2. Your income
    This is a good time to look at your income and determine whether it's sufficient for your goals. Can you live your ideal life with your current income? Could you support your children's education? Your current income will need to support your investments to achieve your goals.
  3. Your health
    You may have a private security program but is it flexible enough to meet your changing needs? Have you thought about how you'd manage if something happened to you or your partner? You might want to think about how investments fit into your family's protection plan.
  4. Your business
    If you're a business owner, you'll need to think about how your business links to your personal finances. It's a good idea to have a sense of where your business is going in the next 12 months. Having a clear idea of that can help you choose the right investments. The issues that need to be considered are how much you need to maintain your current lifestyle and whether you need to obtain cash quickly and conveniently.

More products and information

Global experts' advice to help you capture global investment opportunities and mitigate investment risks to meet your diversified investment and wealth management needs. Our investment products include: Structured products, Dual Currency Investment and Enhanced Yield Investment, Overseas Investment Plan, and Local Unit Trust and Hong Kong Mutual Recognition of Funds.

We take into account your protection needs at various life stages to help you find out suitable insurance plans, leveraging on our ability to offer a one-stop platform for your insurance needs.

You could check our insurance partner policies including Health insurance, and Life insurance, and our Online service.

In today's fast-paced financial world, the only way to stay ahead is to be on top of current market events. Tap into our unique market insights and investment analysis to stay informed about the latest trends and regional news with just a few clicks.

Get started

Start aiming for your goals today by putting together a plan in a few simple steps.
Get personalised advice
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Please dial the country code of mainland China +86 if you are calling from overseas, Hong Kong SAR, Macau SAR, or Taiwan

Frequently asked questions

What are the basic rules to making investments?

You first need to understand your financial needs, investment objectives, financial situation and risk appetite. 

Your goals may include the following:   Protect your family, Children's education, Retirement planning, Wealth management and growth, Legacy planning.

You should also consider your goals, investment tenor, affordable investment amount and personal investment preferences. 

When should I start financial planning for my future? How should I approach financial planning?

Financial planning is a sound financial management process to develop and achieve personal and family financial goals through investments, asset allocation, risk control and retirement planning. Financial planning is not simply saving money or cutting living costs. Reasonable financial planning can help individuals and families set financial goals for different life stages and help them achieve these financial goals through proper investment tools and portfolios. It could contribute to wealth accumulation and growth as well as prepare individuals and families to respond to adverse effects of unexpected events.

There is no set formula for financial planning. It varies by person, circumstance and life stage. You should start your financial planning as early as possible. 

Where can I get more information about investment products?

You may contact your relationship manager or call our hotline at 400-820-8828 (for Premier customers)/ 400-820-8878 (for Advance customers) at your convenience,Please dial the country code of mainland China +86 if you are calling from overseas, Hong Kong SAR, Macau SAR, or Taiwan.


Although the above information is carefully written, the Bank does not warrant, state or guarantee the accuracy or completeness of the above information. The above information is not and should not be regarded as an offer or purchase invitation for any financial product, nor should it be viewed as an investment proposal.