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Wealth Portfolio Lending

A flexible way to reinvest the extra funds backed by your assets, for greater wealth returns.

Leverage your current assets for future returns

Put your dormant funds to use with our Wealth Portfolio Lending. Enjoy the flexibility of reinvesting the extra funds backed by your existing HSBC assets. This way, you can unlock greater returns without affecting your cash flow. 

Why choose Wealth Portfolio Lending?

Access liquidity while keeping your portfolio

Get funding without having to cash out your existing investments, thanks to the eligible assets you hold with us.

Enjoy a competitive margin of financing

We offer a competitive margin of financing for your investment portfolio.

Draw down in multiple currencies

You can make a drawdown with this facility in a number of currencies: USD, GBP, EUR, CHF, AUD, SGD, JPY.

Borrow at a lower cost

You have the flexibility to choose the currency you draw down for more cost-effective borrowing.

More benefits

  • Diversify your investments for more returns
    Reinvest funds into more diversified asset classes for more return opportunities on your investment portfolio.
  • A wider range of collateral acceptance
    We accept both Malaysian ringgit and foreign currency-based asset classes as collateral.

How Wealth Portfolio Lending works?

Wealth Portfolio Lending is a secured financing facility backed by the existing eligible assets that you hold with us, which we'll accept as collateral. This forms the liquidity which you can reinvest into the available investments we offer.

Please note that investments subscribed or purchased with this facility are not eligible to be pledged towards increasing your facility limit. The facility limit granted depends on the type of assets pledged, and will be subject to our approval.

What's an advance ratio?

An advance ratio is a predefined loan ratio assigned to each eligible asset. This is based on our internal assessment of the quality of your assets and your investment portfolio.

 

The following table shows the advance ratio we may assign to each type of eligible asset:

Eligible assets held with HSBC Bank/Amanah Malaysia Advance ratio

Malaysian ringgit or foreign currency time deposits / term deposits-i

up to 95%

Sukuk / bonds

up to 85%

Unit trusts

Equity funds: up to 65%

Fixed income funds: up to 95%

Mixed allocation funds: up to 85%

Other funds: up to 70%

An advance ratio is a predefined loan ratio assigned to each eligible asset. This is based on our internal assessment of the quality of your assets and your investment portfolio.

 

The following table shows the advance ratio we may assign to each type of eligible asset:

Eligible assets held with HSBC Bank/Amanah Malaysia

Malaysian ringgit or foreign currency time deposits / term deposits-i

Advance ratio

up to 95%

Eligible assets held with HSBC Bank/Amanah Malaysia

Sukuk / bonds

Advance ratio

up to 85%

Eligible assets held with HSBC Bank/Amanah Malaysia

Unit trusts

Advance ratio

Equity funds: up to 65%

Fixed income funds: up to 95%

Mixed allocation funds: up to 85%

Other funds: up to 70%

For a full list of unit trusts and sukuk / bonds we accept, please speak to your Relationship Manager.

Frequently asked questions

What you need to know?

Who can apply?

To apply for Wealth Portfolio Lending, you need to be an HSBC Premier customer. Learn more about HSBC Premier. 

Ready to apply?

Talk to your Relationship Manager

Get in touch with your Relationship Manager to discuss which assets you'd like to pledge and submit your application for Wealth Portfolio Lending.

Visit a branch

You can also come see us at a local branch if you prefer to apply in person.

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