Unit trusts

Each product is assigned a risk level, based on our quantitative evaluation of a number of factors. These include price volatility, issuer risk, contractual maturity and quantitative factors. You should select a product risk level that matches the amount of risk that you’re willing to take (your risk tolerance). Here’s what each risk level means.

1. Low: There’s a minimal chance that you may lose a significant portion of your capital over the investment term. But you should note that this isn’t guaranteed. The product is expected to have minimal price fluctuations over short periods of time.
2. Low to medium: There’s a low chance that you may lose a significant portion of your capital over the investment term. But you should note that this isn’t guaranteed. The product is expected to have moderately low price fluctuations over short periods of time.
3. Medium: There’s a moderate chance that you may lose a significant portion of your capital over the investment term. But you should note that this isn’t guaranteed. The product is expected to have moderate price fluctuations over short periods of time.
4. Medium to high: There’s a moderately high chance that you may lose a significant portion of your capital over the investment term. The product is expected to have moderately high price fluctuations over short periods of time.
5. High: There’s a high chance that you may lose a significant portion of your capital over the investment term. The product is expected to have high price fluctuations over short periods of time.

• Unit trusts are investment products and some may involve derivatives. The value of investments, unit prices and income distribution may go down or up, and the investor may not get back the original sum invested. Past performance of a fund should not be taken as indicative of its future performance. In a worst case scenario, the value of fund may worth substantially less than the original amount you have invested (and in an extreme case could be worth nothing)
• The investment returns, repayment of capital and distribution payouts are not guaranteed. Investors and potential investors must not solely rely on the content in this website to make investment decisions. Investors are advised to read carefully and understand the contents of prospectus and consider the general risk factors associated with investing in unit trusts in addition to other specific risks uniquely associated with the fund. All the relevant risk factors are set out in the relevant prospectus for the fund
• You are advised to carefully consider your own circumstances, including not only the product risk level of your selected investment, but also your financial situation, investment knowledge and/or experience, investment objective and preferred investment period. Switching of fixed deposits into any unit trusts beyond your risk appetite is highly discouraged
• When you subscribe into any unit trusts with us, the investment amount will be deducted directly from your settlement account(s) with us. Investors and potential investors are reminded not to provide cash for investment purposes to any HSBC employees. Pre-signed forms are also strictly prohibited
• Before you make any investment decision, you may wish to engage or speak to your relationship manager to understand more about any investment product including the applicable charges, investment objective and return expectation. For first-time investors, you should also be made aware of your cooling-off rights for eligible funds
• Unit trusts are NOT protected by Perbadanan Insurans Deposit Malaysia ("PIDM")

If you already hold an HSBC Malaysia current or savings account, you can open an investment account online or in the HSBC Malaysia Mobile Banking app. Start investing in unit trusts and bonds now – open an investment account online.

You'll need to have at least 1 active sole current or savings account with us first. You can open one at your nearest branch – book an appointment.

No, you won't need to provide any documents when you open an investment account via the HSBC Malaysia Mobile Banking app.

You can explore a wide range of unit trusts through our Unit Trust Browser.

Through this platform, you can screen through funds across asset classes, geographies, and fund houses. You can also see the latest annual and interim reports for your funds.

Go to 'Quick search', then enter a specific fund name to find its latest annual and interim reports under the 'Fund offering documents' section.

We'll send you the email from HSBC.estatement.and.advice@mail.hsbc.com.my.

You may want to ensure that you receive it in your inbox instead of your spam or junk folders. To do this, we recommend that you add our email address to your address book or contact list.

Note: Please do not reply to this email address. It's not used for receiving messages.

You can learn more about receiving unit trust advice and statements by email in our FAQs.

There are the 3 main type of fees and charges that you may incur when you invest in unit trust funds.

Initial service charge

This is also known as a sales charge or front-end load. These are upfront costs that you'll incur when you subscribe or buy units. It's levied mainly to cover the marketing and distribution of the unit trust funds. It also covers our fund managers who monitor your investment throughout its term.

Exit fee

This is also known as a redemption fee, back-end load or contingent deferred sales charge. You'll be charged this when you withdraw units before its stipulated date. For example, we'll impost a 1% exit fee if you redeem the funds within 6 months from the date of purchase. This fee represents a deduction from the redemption proceeds by the fund manager. Normally, the exit fee that we charge is put back into the unit trust fund.

Annual management fee

These cover expenses such as for portfolio management, trustee and custody fees, and audit fees. They also cover charges like the printing of annual reports, distribution management, postage and other services used in a unit trust fund's administration. These costs are paid out of the fund's assets.

There may be other direct and/or indirect fees and charges imposed on a fund. It's important that you consider them carefully before you invest in a fund. For more details on fees and charges, please refer to the respective fund's latest prospectus.