HSBC Responsible Investment Fund Range

Home
Investments
HSBC Responsible Investment Fund Range

Why choose HSBC Responsible Investment Funds?

Easy to invest

Choose from 4 funds
Available in euro
Professionally managed
Top up or withdraw funds depending on your needs
Follow your investments via your online banking and wealth dashboard

Are you eligible?

You can invest in the HSBC Responsible Investment Fund range if:

You have €5,000 or more to invest
You are an HSBC Bank Malta p.l.c customer
You are at least 18 years old

Book an appointment

*SRI is an investment approach that aims to combine economic performance with social and environmental impact by financing companies that contribute to sustainable development in all business sectors. By influencing corporate governance and behaviour, SRI promotes responsible business practices.

SRI ensures the transparency and traceability of your investments. You get the facts about the selection process, regular updates about the SRI features of the securities, and the composition of the whole portfolio.

How it works

Environmental, Social and Governance (ESG) approach

The investment approach is to select the companies with the best environmental, social and governance practice in each business sector. Companies doing business in the tobacco and arms sectors and those in breach of one or more of the UN Global Compact principles are excluded.

Today we finance a number of industries that significantly contribute to greenhouse gas emissions. We have a strategy to help our customers to reduce their emissions and to reduce our own. For more information visit www.hsbc.com/sustainability.

More on HSBC’s expertise

Proven stock-picking investment strategy and SRI expertise grounded in the quality of our research and dedicated global platform. More than 15 years experience in SRI fund management.

Geographic diversifications and asset classes to multiply sources of performance and mitigate risks from movements in any one market.

Direct access to our management team

Our fund managers are based in Paris and Dusseldorf and have extensive experience managing multi-asset mutual funds and fixed income solutions. The team is small, which facilitates decision-making and reactivity. Plus, the team's fund managers are able to draw on the resources of HSBC Group expertise in research, analysis and risk management.

An HSBC Financial Advisor or your Premier Relationship Manager can walk you through the process of selecting the fund that fits both your investment goals and the level of risk you are most comfortable with.

If you’re not sure about investing or which level of risk is appropriate for you, please seek financial advice. To find out more about investment advice from HSBC, please see our Wealth Management information page.

Choosing the right portfolio for you

Click through the descriptions below to help you decide which of the HSBC Responsible Investment Fund might be right for you.

Investment objective

To seek long term capital growth by selecting mainly bonds issued by companies or countries from an investment universe that meets socially responsible economic, environmental, societal and governance criteria, over a recommended investment timeframe of at least 3 years
To invest in corporate or government issues whose conduct in the field of sustainable development is above average

A low risk fund

This fund is classified by HSBC as ‘low risk’. It’s rated as 2, where 1 is a lower level of risk and 5 is a higher level of risk. The lowest category does not mean a risk-free investment.

The HSBC RIF SRI Eurobond targets a low level of investment risk by investing in assets whose values are likely to fluctuate by less than that of a higher-risk fund. Over time, these types of assets may produce better returns than cash based investments with the aim of keeping pace with inflation. Low risk products can fall in value to below the amount you invest, it should be viewed as something to stay in for at least 5 years.

Fund costs

To find out all information relating to cost and charges, read the Fact sheet and Key Investor Information document (KIID).

Investment objective

To seek long term capital growth by selecting mainly bonds issued by companies or countries from an investment universe that meets socially responsible economic, environmental, societal and governance criteria, over a recommended investment timeframe of at least 3 years
To invest in corporate or government issues whose conduct in the field of sustainable development is above average

A low risk fund

This fund is classified by HSBC as ‘low risk’. It’s rated as 2, where 1 is a lower level of risk and 5 is a higher level of risk. The lowest category does not mean a risk-free investment.

Fund costs

To find out all information relating to cost and charges, read the Fact sheet and Key Investor Information document (KIID).

Investment objective

To maximise the subfund's performance, based on an investment with moderate exposure to equity market risk over a recommended investment timeframe of at least three years.
To invest in corporate or government bonds chosen for their good environmental, social and governance practices and for their financial quality.
The long-term strategic allocation consists of 30% equities and 70% international bonds, with a euro bias.

A low risk fund

This fund is classified by HSBC as ‘low risk’. It’s rated as 2, where 1 is a lower level of risk and 5 is a higher level of risk. The lowest category does not mean a risk-free investment.

The HSBC RIF Moderate targets a low level of investment risk by investing in assets whose values are likely to fluctuate by less than that of a higher-risk fund. Over time, these types of assets may produce better returns than cash based investments with the aim of keeping pace with inflation. Low risk products can fall in value to below the amount you invest, it should be viewed as something to stay in for at least 5 years.

Fund costs

To find out all information relating to cost and charges, read the Fact sheet and Key Investor Information document (KIID).

Investment objective

To maximise the subfund's performance, based on an investment with moderate exposure to equity market risk over a recommended investment timeframe of at least four years.
To invest in corporate or government bonds chosen for their good environmental, social and governance practices and for their financial quality.
The long-term strategic allocation consists of 50% equities and 50% international bonds, with a euro bias.

A moderate risk fund

This fund is classified by HSBC as ‘moderate risk’. It is rated as 3, where 1 is a very low level of risk and 5 is a higher level of risk. The moderate risk category does not mean a risk-free investment.

The HSBC RIF Balanced targets a moderate level of investment risk by investing in assets whose values are likely to fluctuate by more than that of a lower-risk fund. Although these products may provide better returns over time, they are likely to fluctuate in value. Moderate risk products can fall in value to below the amount you invest, and are more likely to do so than lower risk investments. It should be viewed as something to stay in for at least 5 years.

Fund costs

To find out all information relating to cost and charges, read the Fact sheet and Key Investor Information document (KIID).

Investment objective

To maximise the subfund's performance, based on an investment with high exposure to equity market risk over a recommended investment timeframe of at least five years.
To invest in corporate or government bonds chosen for their good environmental, social and governance practices and for their financial quality.
The long-term strategic allocation consists of 80% equities and 20% international bonds, with a euro bias.

A very high risk fund

This fund is classified by HSBC as ‘very high risk’. It is rated as 5, where 1 is a very low level of risk and 5 is a higher level of risk.

The HSBC RIF Dynamic fund targets a very high level of investment risk by investing in assets whose values are likely to fluctuate by more than that of a moderate-risk fund. Although these products may provide better returns over time, high risk products can fluctuate significantly. High risk products can fall in value to significantly below the amount you invest, and are more likely to do so than moderate or lower risk investments. It should be viewed as something to stay in for at least 5 years.

Fund costs

To find out all information relating to cost and charges, read the Fact sheet and Key Investor Information document (KIID).

Book an appointment

Set up an appointment with one of our financial planning team.

Book an appointment This link will open in a new window

Questions you may have

A higher level of risk could bring the potential for greater growth, but there’s also more chance that your investment could go down in value.

When choosing an investment, you should consider the level of risk you’re willing to take and your capacity for loss. How comfortable would you feel if your investments fell in value? How would a loss impact your finances in the short term? In the long term?

To decide if a certain level of risk might be acceptable for you, have a read through the 3 portfolios’ risk descriptions in the section above.

If you’re not sure about investing or how much risk is appropriate for you, please seek financial advice. To find out about getting investment advice from HSBC, please visit our wealth management information page.

Diversification is the practice of spreading your investments so that you do not limit your exposure to any one type of asset or asset class. It's the opposite of putting all your eggs in one basket.

To manage your exposure to risk, fund managers hand-pick a range of assets to go into their funds, which can include a diverse range of geographies and currencies.

An asset, or asset class, is the term for a group of investments that have similar financial characteristics.

Combining different asset classes in a fund is known as diversification. It helps you spread the amount of risk you take with your investment.

Each fund has a designated risk category. To keep within this risk category, the fund manager continuously tracks the performance of individual assets, using his or her understanding of the market to adjust the holdings in the fund.

The fund manager’s goal is always to maximise the return within the fund's designated level of risk.

Risk Warnings

The value of the investment can go down as well as up and capital is at risk. Past performance is not a guarantee for future performance.

Currency fluctuations may affect the value of the investment.

Your purchasing power will be reduced if the value of your investment does not keep up with inflation.

If you invest in this Product you may lose some or all of the money you invest.

This Product may be affected by changes in currency exchange rates.

Further information including the general risk factors of each fund can be found in the prospectus, the Key Investor Information Document and most recent financial statements, which can be obtained through the HSBC Asset Management website or upon request and free of charge, from HSBC Global Asset Management (Malta) Ltd. or HSBC Bank Malta p.l.c. The HSBC RIF Fund range is manufactured by HSBC Global Asset Management (France) with registered address Immeuble Coeur Défense - 110, esplanade du Général de Gaulle - La Défense 4 - France. The HSBC RIF Funds are distributed to investors in Malta through HSBC Bank Malta p.l.c.

You might also be interested in

Sustainable Investing

Doing the right thing for our clients is our most important responsibility. Discover how we apply Environmental, Social and Governance (ESG) to provide sustainable investment solutions to help build a better world.