HSBC Select Fund Range

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HSBC Select

A choice of five funds to meet all investor risk appetites

Expertise is essential when implementing an investment strategy to grow the financial wealth that you have created over time.

Thanks to our international scope, our presence in the principal financial centres and our management team based in Paris, we have developed the HSBC Select range of funds.

A range of funds is designed for investors who wish to benefit from the recognised expertise of HSBC Group, with and regular monitoring of their financial wealth by the fund management team.

With the HSBC Select range, you also benefit from large diversification, and thanks to the five portfolios available, you should have access to an investment solution that is suitable for your profile.

Benefit from the expertise and convictions of our fund managers with HSBC Select.

In order to determine how sensitive you are to risk, please complete our risk tolerance questionnaire

Remember that the value of investments and any income they generate can go down as well as up, meaning you may not get back what you invest. Exchange rate fluctuations can also cause the value of your investments to go down as well as up.

You can sell your investment to access your money at any time – however you should consider investing for at least 5 years.

Are you eligible?

You can invest in the HSBC Select if:

You are an HSBC Malta Premier customer
You have €5,000 or more to invest
You are at least 18 years old

Book an appointment

Why invest in HSBC Select Fund range?

Easy to invest

Choose from the 5 portfolios
Available in Euro
Top up or withdraw funds depending on your needs
Follow your investments via your online banking

Professionally managed

Performance is reviewed regularly to make sure our portfolios deliver effective returns in line with their risk level
Each portfolio contains a different mix of assets suitable for its level of risk
The assets in our portfolios are continuously monitored and managed by our team of investment professionals to ensure timely adjustments that consider current market opportunities and risks

How it works

Three-step investment process

Our fund managers do a quarterly review for long-term strategic allocation. They also do a weekly review for short-term tactical allocation. Finally, they review the portfolio construction and composition on a weekly basis.

Rigorous risk monitoring process

The funds in the HSBC Select range are subject to rigorous risk monitoring at several levels. Checks of the overall portfolio and underlying positions are performed regularly. And an independent team stringently monitors risk.

Direct access to our management team

Our fund managers are based in Paris and have extensive experience managing multi-asset mutual funds and providing wealth 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.

Common investment philosophy

Our management approach favours highly diverse performance drivers. And our investment decisions are based on a strong conviction in securities that are commonly overlooked or undervalued. This results in both dynamic and disciplined fund management.

An HSBC Financial Advisor or your Premier Relationship Manager can walk you through the process of selecting the portfolio 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 Select Fund might be right for you.

The objective of the mutual fund is to offer flexible, active management on equity and fixed-income markets over a minimum investment period of three years. Despite operating within larger allocation limits, the mutual fund’s profile may be compared with an allocation made up of 20% equities and 80% public and private bonds on average, invested in developed markets with a euro bias as well as in emerging markets.

What's inside?

Bonds 59.77%, Equity 14.43%, Money Market & Cash 22%, Absolute return 3.80%

The above chart shows the strategic breakdown of the HSBC Select Moderate as at 29 May 2020.

For the latest breakdown, read the HSBC Select Moderate factsheet.

A very low risk portfolio

This portfolio is classified by HSBC as ‘very low risk’. It’s rated as 1, 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 base currency of the HSBC Select Fund Range is Euro.

The HSBC Select Moderate targets a very 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. Very 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)

What's inside?

The above chart shows the strategic breakdown of the HSBC Select Moderate as at 29 May 2020.

For the latest breakdown, read the HSBC Select Moderate factsheet.

A very low risk portfolio

The base currency of the HSBC Select Fund Range is Euro.

Fund costs

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

The objective of this mutual fund is to offer flexible, active management on equity and fixed-income markets over a minimum investment period of five years. Despite operating within larger allocation limits, the mutual fund’s profile may be compared with an allocation made up of 50% equities and 50% public and private bonds on average, invested in developed markets with a euro bias as well as in emerging markets.

What's inside?

Equity 50.44%, Bonds 32.06%, Money Market & Cash 10.42%, Absolute return 7.08%

The above chart shows the strategic breakdown of the HSBC Select Balanced portfolio as of 29 May 2020.

For the latest breakdown, read the HSBC Select Balanced factsheet.

A moderate risk portfolio

This portfolio 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 base currency of the HSBC Select Fund range is Euro.

The HSBC Select 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)

The objective of this mutual fund is to offer flexible, active management on equity and fixed-income markets over a minimum investment period of five years. Despite operating within larger allocation limits, the mutual fund’s profile may be compared with an allocation made up of 70% equities and 30% public and private bonds on average, invested in developed markets with a euro bias as well as in emerging markets.

What's inside?

Equity 66.38%, Bonds 16.99%, Absolute return 8.40%, Money Market & Cash 8.23%

The above chart shows the strategic breakdown of the HSBC Select Dynamic as of 29 May 2020.

For the latest breakdown, read the HSBC Select Dynamic factsheet.

A high risk portfolio

This portfolio is classified by HSBC as ‘high risk’. It is rated as 4, where 1 is a very low level of risk and 5 is a higher level of risk.

The base currency of the HSBC Select Fund range is Euro.

The HSBC Select Dynamic portfolio targets a 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)

The aim of this mutual fund is to offer flexible management on equity and fixed-income markets over a minimum investment period of five years. For information purposes, exposure to equity market is between 20% and 80% of assets and exposure to fixed-income market is between 0% and 80% of assets. The mutual fund invests in developed markets with a euro bias as well as in emerging markets.

What's inside?

Equity 50.91%, Bonds 33.22%, Absolute return 8.32%, Money Market & Cash 7.55%

The above chart shows the strategic breakdown of the HSBC Select Flexible portfolio as of 29 May 2020.

For the latest breakdown, read the HSBC Select Flexible factsheet.

A moderate risk portfolio

The base currency of the HSBC Select Fund range is Euro.

The HSBC Select Flexible 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)

The objective of this mutual fund is to offer flexible, active management, primarily invested in equity markets, over a minimum investment period of five years. Despite operating within larger allocation limits, the mutual fund’s profile may be compared with an allocation made up of 95% equities and 5% public and private bonds on average, invested in developed markets with a euro bias as well as in emerging markets.

What's inside?

Equity 91.15%, Money Market & Cash 6.01%, Bonds 2.84%

The above chart shows the strategic breakdown of the HSBC Select Equity as of 29 May 2020.

For the latest breakdown, read the HSBC Select Equity factsheet.

A very high-risk portfolio

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

The base currency of the HSBC Select Fund range is Euro.

The HSBC Select Equity targets a high level of investment risk by investing in assets whose values are likely to fluctuate by more than that of a high-risk fund. Although these products may provide better returns over time, very high-risk products can fluctuate substantially. Very high-risk products can fall in value to substantially below the amount you invest and are much 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

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Set up an appointment with a member of our financial planning team.

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 5 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.

A portfolio is a readymade basket of investments that has been put together by a fund manager. Pooling together money from many individuals, a fund manager can invest in a broad range of assets, such as bonds, equities (also known as shares) and alternatives (such as listed property) to meet the objective and risk profile of the portfolio.

The benefit of investing your money in a portfolio is that you have access, through your fund manager, to a far broader range of assets than if you chose to invest directly in the assets yourself.

Diversification is the practice of spreading your investments so that you do not limit your exposure to any one type of asset class. It is 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.

Our HSBC Select Fund range are made up of 4 broad types of asset class: cash, equities – which are shares or stakes in other companies, fixed income and absolute return.

Each asset class has a different level of risk and return.

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 portfolio 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 portfolio’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, free of charge, from HSBC Global Asset Management (Malta) Ltd. or HSBC Bank Malta p.l.c. The HSBC Select Fund range are manufactured by HSBC Global Asset Management (France) Immeuble Coeur Défense - 110, esplanade du Général de Gaulle - La Défense 4 - France. The Funds are distributed to investors in Malta through HSBC Bank Malta p.l.c.

Approved and issued by HSBC Bank Malta p.l.c, (116, Archbishop Street, Valletta VLT1444). HSBC is a public limited company regulated by the Malta Financial Services Authority and licensed to carry out the business of banking and investment services in terms of the Banking Act (Cap. 371 of the Laws of Malta) and the Investment Services Act (Cap.370. of the Laws of Malta).

A choice of five funds to meet all investor risk appetites

Are you eligible?

Why invest in HSBC Select Fund range?

Easy to invest

Professionally managed

How it works

Choosing the right portfolio for you

A very low risk portfolio

Fund costs

A moderate risk portfolio

Fund costs

A high risk portfolio

Fund costs

A moderate risk portfolio

Fund costs

A very high-risk portfolio

Fund costs

HSBC Select Moderate

HSBC Select Balanced

HSBC Select Dynamic

HSBC Select Flexible

HSBC Select Equity

Book an appointment

Questions you may have

How do I decide on my appetite for risk?

What is a portfolio?

What is diversification?

What is an asset or asset class?

How is the risk level maintained?

Risk Warnings

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