About our funds
We constantly review and develop our fund range. That way, we make sure your clients get what they need from their scheme now and in the future.
Governance
The way we govern our funds is as important as the fund range itself.
Two groups are responsible for the governance of HSBC's funds. One is HSBC's Investment Committee, which is is responsible for all our investment matters. The other is our Life and Pension Investment Funds Forum, which is made up of senior managers from HSBC Life (UK) Limited, HSBC Asset Management Limited and HSBC Bank plc. They work together to make sure our funds deliver what scheme members need.
These groups monitor fund performance, review the benchmarks against which funds are measured, and make sure that the funds invest in line with their principles. They also make sure that our fund range is delivering what the market needs.
As well as reviewing our current fund range, these groups also identify and evaluate new funds. When they find funds that will create new opportunities for investors, we add them to our range.
Please remember that the value of pensions can fall as well rise and employees may not get back the amount they invested.
HSBC default funds
When it comes to investing their money, some people will want to do it themselves. Some will want a bit of help. But many others will want us to do it for them - even if they have a fairly sophisticated understanding of pension funds. For these people, we offer two kinds of default fund:
- Our Lifestyle fund: At first, funds are invested in HSBC's Global Equity Index Tracker fund. As they get closer to retirement, the funds are moved into lower-risk investments. Members end up with 75% of their funds in the HSBC UK Aggregate Fixed Interest Fund, and 25% in the HSBC Money Market Fund, which means they're not exposed to any equities.
- Your own lifestyle fund: We also let you create a tailored lifestyle fund for your clients.
Risk outline
Minimum Risk (secure)
Funds in this category are worth considering for investment immediately before retirement, to minimise exposure to volatility in the stock market.
Lower risk (cautious)
Funds in this category are worth considering when when members are within five years of retirement. Fluctuations to the value of the fund should be minimal.
Medium Risk (balanced)
Funds in this category are worth considering for members' pensions when they are looking for capital growth and/or when they are more than five years away from retirement.
Higher Risk (adventurous)
Funds in this category are worth considering for members' pensions when they are looking for capital growth and/or when they are more than five years away from retirement.
Important information
Please remember that the value of pensions can fall as well rise and employees may not get back the amount they invested. This can also happen as a result of changes in exchange rates where overseas shares in currencies other than sterling are held.
All risk ratings are determined and assigned by the product provider HSBC Life (UK) Ltd.
HSBC fund range
For members who want to choose how they invest their money, we offer our own range of funds.
| Fund Name | Risk | Factsheet |
|---|---|---|
| HSBC Life Amanah Fund | Medium | PDF  |
| HSBC Life Balanced Fund | Medium | PDF |
| HSBC Life Money Market Fund | Lower | PDF |
| HSBC Life Emerging Markets Equity Fund | Higher | PDF |
| HSBC Life European (ex UK) Equity Fund | Higher | PDF |
| HSBC Life European Equity Index Tracker Fund | Higher | PDF |
| HSBC Life FTSE All Share Index Tracker Fund | Medium | PDF |
| HSBC Life Global (ex UK) Manager of Managers Fund | Higher | PDF |
| HSBC Life Global Equity (ex UK) Index Tracker FW Fund | Higher | PDF |
| HSBC Life Global Equity Fund | Higher | PDF |
| HSBC Life Global Equity Index Tracker Fund | Medium | PDF |
| HSBC Life Global Manager of Managers Fund | Medium | PDF |
| HSBC Life Japanese Equity Index Tracker Fund | Higher | PDF |
| HSBC Life Merit UK Equity Fund | Medium | PDF |
| HSBC Life North American Equity Index Tracker Fund | Medium | PDF |
| HSBC Life Overseas (ex UK) Fixed Interest Fund | Lower | PDF |
| HSBC Life Pacific (ex Japan) Equity Index Fund Tracker | Higher | PDF |
| HSBC Life Pacific (ex Japan) Equity Fund | Higher | PDF |
| HSBC Life UK Aggregate Fixed Interest Fund | Lower | PDF |
| HSBC Life UK Corporate Bond (All Stocks) Fund | Lower | PDF |
| HSBC Life UK Corporate Bond (Over 10 Years) Fund | Medium | PDF |
| HSBC Life UK Fixed Interest Fund | Lower | PDF |
| HSBC Life UK Fixed Interest Over 15 Yrs Index Tracker Fund | Lower | PDF |
| HSBC Life UK Freestyle Equity Fund | Higher | PDF |
| HSBC Life UK Index Linked Tracker Fund | Lower | PDF |
Risk outline
Minimum Risk (secure)
Funds in this category are worth considering for investment immediately before retirement, to minimise exposure to volatility in the stock market.
Lower risk (cautious)
Funds in this category are worth considering when when members are within five years of retirement. Fluctuations to the value of the fund should be minimal.
Medium Risk (balanced)
Funds in this category are worth considering for members' pensions when they are looking for capital growth and/or when they are more than five years away from retirement.
Higher Risk (adventurous)
Funds in this category are worth considering for members' pensions when they are looking for capital growth and/or when they are more than five years away from retirement.
Important information
Please remember that the value of pensions can fall as well rise and employees may not get back the amount they invested. This can also happen as a result of changes in exchange rates where overseas shares in currencies other than sterling are held.
All risk ratings are determined and assigned by the product provider HSBC Life (UK) Ltd.
The links on this page will open a new browser window and may:
i) Allow you to access other websites. Please read the linked websites' terms and conditions. HSBC Bank plc has no control over non-HSBC websites and is not liable for your use of them.
ii) Allow you to access another HSBC Group website. Please read the terms and conditions of the linked website, which may differ from the terms and conditions of HSBC Bank plc's website.
HSBC Protected Retirement Funds
When it comes to their pension, lots of people think that security is more important than trying to get the biggest possible investment returns. That's why HSBC has introduced Protected Retirement Funds. When held to maturity, they let members benefit from global stock market growth, while protecting them if markets fall. This protection will not apply if you disinvest before the fund's maturity date.
Our Protected Retirement Funds are especially suited to cautious investors who want to make sure their savings are protected. But, for those who'd prefer to take more risk, they can also be combined with other funds as part of their investment portfolio.
| Fund Name | Risk | Factsheet |
|---|---|---|
| HSBC Protected Retirement Fund 2020 - Currently closed | Lower | PDF, 131KB |
| HSBC Protected Retirement Fund 2025 | Lower | PDF, 96KB |
| HSBC Protected Retirement Fund 2030 | Lower | PDF, 105KB |
| HSBC Protected Retirement Fund 2035 | Lower | PDF, 113KB |
| HSBC Protected Retirement Fund 2040 | Lower | PDF, 114KB |
Benefits to members
| Certainty and peace of mind | If the fund is held until the maturity date . . . |
|---|---|
| Get back what you put in | The value of all contributions is protected against any fall in value |
| Any gains are safeguarded | The highest ever value attained by each 'sub-fund' is protected, effectively locking in any gains |
| Limited need for compromise | |
|---|---|
| Protection with performance | The funds have been designed to provide returns in excess of those normally associated with lower risk investments such as cash deposits and gilts |
| Performance/protection 'trade-off' easily understood | The process to protect contributions reduces exposure to the market. It lowers potential returns but safeguards against possible falls in the stock markets |
| Attractive to members with different attitudes to risk | These funds may be right for cautious investors who want to make sure their hard-earned savings are protected in volatile markets. Or they could form the core of a portfolio and combined with other assets, for those wishing to take more risk |
| Low cost | This range of funds offer a simple low-cost solution to the risk of market volatility |
More information
For full information about these innovative funds, including the risks involved, download
the Member brochure or contact us.
These funds aim to protect investors at maturity from falls in the market indices to which returns are linked. They do not protect against the provider of the protection (HSBC Bank plc and/or other members of the HSBC Group) going bankrupt. If this were to happen investors could lose some or all of their investment. The funds are designed to provide capital protection and locked-in equity gains when held to maturity. Switching out before the funds' maturity dates could mean getting back significantly less than invested.
The Protected Retirement Funds are provided by HSBC Life (UK) Limited.
Risk outline
Minimum Risk (secure)
Funds in this category are worth considering for investment immediately before retirement, to minimise exposure to volatility in the stock market.
Lower risk (cautious)
Funds in this category are worth considering when when members are within five years of retirement. Fluctuations to the value of the fund should be minimal.
Medium Risk (balanced)
Funds in this category are worth considering for members' pensions when they are looking for capital growth and/or when they are more than five years away from retirement.
Higher Risk (adventurous)
Funds in this category are worth considering for members' pensions when they are looking for capital growth and/or when they are more than five years away from retirement.
Important information
Please remember that the value of pensions can fall as well rise and employees may not get back the amount they invested. This can also happen as a result of changes in exchange rates where overseas shares in currencies other than sterling are held.
All risk ratings are determined and assigned by the product provider HSBC Life (UK) Ltd.
The links on this page will open a new browser window and may:
i) Allow you to access other websites. Please read the linked websites' terms and conditions. HSBC Bank plc has no control over non-HSBC websites and is not liable for your use of them.
ii) Allow you to access another HSBC Group website. Please read the terms and conditions of the linked website, which may differ from the terms and conditions of HSBC Bank plc's website.
External funds
In recent years, advisers and their clients have asked for greater fund choice. So, we now offer a range of external funds from providers including BlackRock, JP Morgan and Newton, to complement our own fund range.
| Fund Name | Risk | Factsheet |
|---|---|---|
| HSBC Life Baillie Gifford Life Japanese Equity Fund | Higher | PDF |
| HSBC Life BlackRock European Dynamic Fund | Higher | PDF |
| HSBC Life BlackRock UK Dynamic Fund | Higher | PDF |
| HSBC Life JPMorgan All-Emerging Markets Equity Fund | Higher | PDF |
| HSBC Life JPMorgan Cautious Fund | Medium | PDF |
| HSBC Life JPMorgan Global Dynamic Fund | Higher | PDF |
| HSBC Life JPMorgan UK Specialist Equity Fund | Higher | PDF |
| HSBC Life JPMorgan US Equity Fund | Higher | PDF |
| HSBC Life M&G Corporate Bond Fund | Lower | PDF |
| HSBC Life Newton 50/50 Global Equity Fund | Higher | PDF |
| HSBC Life Newton Global Balanced Fund | Medium | PDF |
| HSBC Life Newton Index Linked Gilt Fund | Higher | PDF |
| HSBC Life Newton International Bond Fund | Medium | PDF |
| HSBC Life Property Fund | Medium | PDF |
| HSBC Life UK Index Linked Tracker Fund | Lower | PDF |
| HSBC Globally Responsible Investment Fund | Medium | PDF |
| HSBC Life Newton Oriental Fund | Higher | PDF |
Risk outline
Minimum Risk (secure)
Funds in this category are worth considering for investment immediately before retirement, to minimise exposure to volatility in the stock market.
Lower risk (cautious)
Funds in this category are worth considering when when members are within five years of retirement. Fluctuations to the value of the fund should be minimal.
Medium Risk (balanced)
Funds in this category are worth considering for members' pensions when they are looking for capital growth and/or when they are more than five years away from retirement.
Higher Risk (adventurous)
Funds in this category are worth considering for members' pensions when they are looking for capital growth and/or when they are more than five years away from retirement.
Important information
Please remember that the value of pensions can fall as well rise and employees may not get back the amount they invested. This can also happen as a result of changes in exchange rates where overseas shares in currencies other than sterling are held.
All risk ratings are determined and assigned by the product provider HSBC Life (UK) Ltd.
The links on this page will open a new browser window and may:
i) Allow you to access other websites. Please read the linked websites' terms and conditions. HSBC Bank plc has no control over non-HSBC websites and is not liable for your use of them.
ii) Allow you to access another HSBC Group website. Please read the terms and conditions of the linked website, which may differ from the terms and conditions of HSBC Bank plc's website.
