Investments

To start investing it’s important you first learn the basics and understand the risks.

If you still think investing is for you, you’ve 2 main options. You could either choose your own investments - such as equities, mutual funds, bonds or exchange traded funds (ETFs) - or seek professional advice.

If you’re confident about investing and want to make your own portfolio choices then download the HSBC WorldTrader app. This lets you trade and manage your assets, giving you access to multiple markets around the world. You can start investing with WorldTrader in 3 steps:

Or if you’d prefer to speak to someone first, then request a call back or visit us in branch.

Not sure if investing is for you? Read our article which clears up some of the untruths about investing.

We've upgraded our Online Trading Platform. You can now invest on our powerful digital platform, HSBC WorldTrader.

Whether you're new to investing or more experienced, WorldTrader is the simple, secure way to access up to 25 markets and 77 exchanges through our app.

You can start investing with WorldTrader in 3 simple steps:

Whilst you need to use WorldTrader to buy, sell and swap your investments, you can track their progress through online banking.

You can invest in a range of different investment products to help you grow your wealth. Each comes with its own key features, benefits and ways to invest. We suggest you fully understand the options and potential risks before making any investment.

If you're still unsure as to whether investing is right for you and you'd like to speak to one of our team, request a call back or visit us in branch.

Bonds are debt securities issued by governments, government-related entities or corporations. The issuer of the bonds generally pays you income at a specified rate on certain dates during the term.

They'll also promise to repay the face value of the bonds on maturity, subject to the risks set out in the prospectus.

To help you work out if this is the right investment option for you, read our article that sets out their pros and cons.

Mutual funds (sometimes called unit trusts) are a medium- to long-term investment tool. With mutual funds, your money is pooled with money from others, and invested in a range of assets according to the fund's stated objective and approach. This range of investments is called a portfolio.

They enable you to spread your investment - and therefore risk - across securities, bonds, currencies and commodities in markets around the world.

Learn more about the key features and benefits of mutual funds.

Equities, also known as stocks and shares, represent ownership in an entity (company) and are usually bought and sold on stock exchanges. Buying equity in a company makes you a shareholder, and means that you own a small percentage of the company.

When you invest in equities, you expect returns in the form of dividends. Plus you can turn a profit if you sell your shares at a higher price than you bought them.

There are risks to consider, but investing in equities with HSBC also come with a range of benefits

An exchange traded fund (ETF) is an investment fund that holds a mix of assets, like stocks and bonds. It differs from a mutual fund by being traded on an exchange, much like an individual stock.

Learn more about the key features and benefits of ETFs.

The main differences between savings and investments are mainly to do with risk and the level of potential returns.

Savings is putting money aside in a savings account for future use. You can add to it with one-off or regular payments. It's low risk and your money will earn an interest rate.

Investing is another way to set aside money for later, but there's a greater level of risk as your returns are not guaranteed. Depending on how the markets perform, you could get back less than you put in. But you could also make more money than you would from a saving account.

For more information read out article on the differences between saving and investing.