What Is Unit Trust | Unit Trust Investment

Discover and invest in unit trusts (or funds)

It doesn't matter if you want to invest in a low-risk fund, be more adventurous in your outlook, or look to build a portfolio to meet your financial goals – there's a unit trust out there for you. Explore our extensive range of carefully selected unit trusts to suit different risk profiles.

Awarded Singapore's Best for Investment Research

HSBC is awarded Singapore's Best Investment Research award in Euromoney Global Private Banking Award 2024*, and is the preferred wealth partner for multigenerational families globally and we are committed to delivering high-quality insights and market analysis to help our clients make informed decisions.

*Singapore's Best Investment Research award is won by HSBC Global Private Banking.

Unit Trust Offers

Invest in Eligible Unit Trusts to get up to SGD5,000 in cashback

If you’ve been thinking of investing and you’re new to investment with us, now is a great time.

From 1 October till 30 November 2024 (both dates inclusive), invest in any Eligible Unit Trusts to enjoy a 1% cashback rebate on the total gross investment amount, capped at SGD5,000 cashback per customer. Terms & conditions apply^#. For more information, please contact your Relationship Manager or refer to the terms and conditions.

^# This offer is valid only for a limited time period, on a first-come-first-served basis. Eligible customers need to successfully meet all requisite criteria during the promotional period, so as to qualify for this offer.

Save and Invest

Reap the benefits of diversification and professional management at a lower starting capital with Unit Trusts.

From 1 January to 31 December 2024, enjoy a discounted 0.85% sales charge¹ on lump sum investment and initial contribution on Regular Savings Plan (RSP) in Unit Trusts purchased via HSBC's Online Unit Trust platform. Terms and conditions apply.

Invest Now to log on for enjoying SGD50 cash credit and up to 50% off on your trades with HSBC

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Don't have an existing current/savings account?

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Open Account> Tap wealth on HSBC SG App> Tap open Investment account

Existing HSBC Customer

Don't have an Unit Trust Investment account?

Open an award-winning Investment account through online banking.

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Existing Investor?

Are you an existing savings and Unit Trust investment account holder?

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High interest rate environment may push bond prices down and yields higher. This provides an opportunity for investors to take advantage of the compelling yields currently available.

Tap into expert insights and learn how you can better manage your investments to create wealth for your future. Watch the “Let’s Talk Wealth” series here.

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Find out more about possible investment risks.

Benefits of unit trusts

Unit trusts offer several key benefits:

Diversification in one investment

A unit trust fund invests in a diverse portfolio of investments. This helps to diversify your risk better than investing in a single security.
Liquidity and no lock-in period

You can buy and sell unit trusts on any dealing day with ease - online or through your Relationship Manager.
Low costs and investment commitment to access a basket of securities

Unit trusts let you access a portfolio of investments from as low as SGD1,000 - a more cost efficient option than building the portfolio yourself.
Access to different markets and investment instruments

Gain exposure to countries/regions, sectors and investments that are not easily accessible as an individual.
Professional management

Let the experts work for you - your investments are managed by investment professionals who spend their careers researching and managing investments.

Learn more about unit trusts

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Lump Sum Investment

Make a one-time investment on a fund
Minimum SGD1,000 placement

Regular Savings Plan (RSP)

Make monthly regular smaller sized investments on a selected fund to reduce market volatility. This is known as dollar cost averaging.
From 1 January to 31 December 2024, enjoy a discounted 0.85% sales charge on lump sum investment and initial contribution on Regular Savings Plan (RSP) in Unit Trusts purchased via HSBC's Online Unit Trust platform. Terms and conditions apply.
To invest in a Regular Savings Plan:

- Minimum first investment of SGD1,000

- Subsequent investment of as low as SGD100 per month

Find out more about saving plan Invest Now to log on for Regular Savings Plan (RSP)

Lump Sum Investment

Make a one-time investment on a fund
Minimum SGD1,000 placement

Regular Savings Plan (RSP)

Make monthly regular smaller sized investments on a selected fund to reduce market volatility. This is known as dollar cost averaging.
From 1 January to 31 December 2024, enjoy a discounted 0.85% sales charge on lump sum investment and initial contribution on Regular Savings Plan (RSP) in Unit Trusts purchased via HSBC's Online Unit Trust platform. Terms and conditions apply.
To invest in a Regular Savings Plan:

- Minimum first investment of SGD1,000

- Subsequent investment of as low as SGD100 per month

Find out more about saving plan Invest Now to log on for Regular Savings Plan (RSP)

You can search for funds based on your own preferences, view individual fund details, new funds and top performing funds^*. You can also select funds for comparison on features such risk level and investment strategy.

Compare funds to find the best one for you This link will open in a new window New funds to find the latest one for you This link will open in a new window Top performing funds to find the top performing one for you This link will open in a new window

^*Information provided by Morningstar Asia Limited based on latest available month-end performance data.

Know more about Unit Trust Investments

You need to have the following:

An active investment account with HSBC with Online Banking.
A valid settlement account in the denominated currency of the Fund you wish to invest into.
Valid Customer Knowledge Assessment (CKA) where you have assessed to have knowledge and experience in transacting UT.

You need to have the following:

An active investment account with HSBC with Online Banking.
A valid settlement account in the denominated currency of the Fund you wish to invest into.
Valid Customer Knowledge Assessment (CKA) where you have assessed to have knowledge and experience in transacting UT.

As with all investments, there is an element of risk.

Market volatility will cause the value of a unit trust to rise or fall
Foreign exchange rates can fluctuate, so a unit trust may change in value if it invests in investments denominated in a different currency than what you invested in
The performance of any unit trust also depends on the expertise and investment decisions of its fund managers
Unit trusts differ in terms of investment objectives, strategies, risks and costs. It is important to choose one that best matches your investment objectives and risk profile.

There are fees and charges involved in investing in Unit Trusts and this may differ across different funds. Please refer to the relevant fund documents by searching for your choice of fund(s) in Fund Express. Alternatively, the latest promotional fees and charges (if any) can be found on our website. You may contact your Relationship Manager or leave your contact details for more information.

Fees and Charges (PDF) to open wealth management bank tariffs pdf Download

Grow your wealth with the HSBC Singapore app

With just a single log in, you can open a Unit Trust investment account, explore, review and shortlist from more than 100 unique funds across risks profiles, including ESG funds. Your investment journey doesn't stop there, you can buy Unit Trusts via a Lump Sum or Regular Savings Plan, or sell your holdings, depending on your investment needs and strategies. Do all these at your fingertips, 24/7. Learn more about the new features here:

Here's how to invest in unit trusts using the HSBC Singapore app

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Don't have the HSBC Singapore app? Download it now!

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You don't need a fortune to start investing

It's not just for the rich. See how you can begin your journey today.

Find out more about how to start investing

You don't need a fortune to start investing

It's not just for the rich. See how you can begin your journey today.

Find out more about how to start investing

HSBC Wealth Portfolio Intelligence Service

A new proprietary tool designed to help you achieve your investment goals. Available on both HSBC online banking and the HSBC Singapore app.

Find out more

HSBC FinConnect

HSBC FinConnect is enabled by the Singapore Financial Data Exchange (SGFinDex) and lets you view your personal financial data, including information from other banks, SGX CDP and Myinfo securely in the HSBC Singapore app.

With HSBC FinConnect, you can get a clear overview of your money and investments, which makes it easier to map out and work towards your financial goals.

Find out more about the fincnnect page

Things to know

In broad terms “ESG and sustainable investing” products include investment approaches or instruments which consider environmental, social, governance and/or other sustainability factors to varying degrees. Certain instruments we classify as sustainable may be in the process of changing to deliver sustainability outcomes. There is no guarantee that ESG and Sustainable investing products will produce returns similar to those which don’t consider these factors. ESG and Sustainable investing products may diverge from traditional market benchmarks. In addition, there is no standard definition of, or measurement criteria for, ESG and Sustainable investing or the impact of ESG and Sustainable investing products. ESG and Sustainable investing and related impact measurement criteria are (a) highly subjective and (b) may vary significantly across and within sectors.

HSBC may rely on measurement criteria devised and reported by third party providers or issuers. HSBC does not always conduct its own specific due diligence in relation to measurement criteria. There is no guarantee: (a) that the nature of the ESG / sustainability impact or measurement criteria of an investment will be aligned with any particular investor’s sustainability goals; or (b) that the stated level or target level of ESG / sustainability impact will be achieved. ESG and Sustainable investing is an evolving area and new regulations are being developed which will affect how investments can be categorised or labelled. An investment which is considered to fulfil sustainable criteria today may not meet those criteria at some point in the future.

When we classify an investment product or service against our ESG and Sustainable Investing (SI) categories described in this document: ESG Enhanced, Thematic or Impact, this does not mean that all individual underlying holdings in the investment product or portfolio will meet the relevant SI criteria. As such, an SI classification does not mean that all underlying holdings in a fund or discretionary portfolio meet the relevant sustainable investment criteria. Similarly, where an equity or fixed income investment is classified under an Enhanced, Thematic or Impact category this does not mean that the underlying issuer’s activities are fully sustainable. Not all investments, portfolios or services are classifiable under our SI categories. This may be because there is insufficient information available or because a particular investment product does not meet HSBC’s SI classifications criteria.

Frequently asked questions

If you have an existing UT investment account and access to HSBC Online Banking:
1. You may conveniently place your orders 24/7 through Wealth Dashboard via HSBC Online Banking. Please note that there is a cutoff dealing period of before 3.30 p.m.
2. Orders placed at any time on a non-business day will be processed on the next business day.
If you have an existing UT investment account but no access to HSBC Online Banking:
1. Refer to the HSBC Online banking FAQ here.
If you do not have an existing UT investment account:
1. Speak to your relationship manager at our branches OR
2. Submit an online enquiry here.