Our range of funds
Most schemes let you choose which funds to invest in. But if you don't want to choose, you can put your money in a
default fund.
HSBC fund range
HSBC offers a range of funds. Some are about keeping your money secure, and probably won't make the value of your pension pot rise or fall by very much. Others are about trying to help your money grow, but that means taking some risks - so, the value of your pension pot could rise or fall quite a lot.
| 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
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.
Minimum Risk (secure)
Funds in this category are worth considering for investment immediately before retirement, to minimise exposure to volatility in the stock market.
Important information
Please remember that the value of pensions can fall as well rise and you may not get back the amount you invested. This can also happen as a result of changes in exchange rates where overseas shares in currencies other than sterling are held. Contributions to pensions are normally tied up until you take your pension benefits.
Please note that we cannot provide advice on the suitability of your pensions or any aspect of your contributions or investments. If you require advice you will need to speak with your financial adviser.
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 security is more important than trying to get the biggest possible returns on their investment. That's why HSBC has introduced Protected Retirement Funds. When held to maturity, these funds 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 can be a good choice for 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
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.
Minimum Risk (secure)
Funds in this category are worth considering for investment immediately before retirement, to minimise exposure to volatility in the stock market.
Important information
Please remember that the value of pensions can fall as well rise and you may not get back the amount you invested. This can also happen as a result of changes in exchange rates where overseas shares in currencies other than sterling are held. Contributions to pensions are normally tied up until you take your pension benefits.
Please note that we cannot provide advice on the suitability of your pensions or any aspect of your contributions or investments. If you require advice you will need to speak with your financial adviser.
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, members have told us they'd like more funds to choose from. 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 | Higher | PDF |
| HSBC Life Newton Oriental Fund | Higher | PDF |
Risk outline
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.
Minimum Risk (secure)
Funds in this category are worth considering for investment immediately before retirement, to minimise exposure to volatility in the stock market.
Important information
Please remember that the value of pensions can fall as well rise and you may not get back the amount you invested. This can also happen as a result of changes in exchange rates where overseas shares in currencies other than sterling are held. Contributions to pensions are normally tied up until you take your pension benefits.
Please note that we cannot provide advice on the suitability of your pensions or any aspect of your contributions or investments. If you require advice you will need to speak with your financial adviser.
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.
