Planning

Ways we can help

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Exploring your potential

At HSBC, we see a world full of potential - which is why we want to help you explore and develop yours. With our financial planning services, we can help you start to build the future you've imagined.

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Talk through your options with one of the team.

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Getting your bearings

Our easy-to-use web tool provides you with a helpful snapshot of your current circumstances - where you stand with borrowing, savings, investments, pensions, estate planning and insurance. It highlights your financial strengths and identifies areas that may need a little more attention.

Getting bearings

Having a face-to-face review

If you'd prefer to discuss your finances in person, book an individual review with a member of the team in your local branch. While our reviews can't give you financial advice, they can outline the products and services we offer, to help you decide how to make the most of your money.

Review

Saving for a rainy day

If you're looking to make the most of your money, we offer a variety of savings products to suit your needs, from instant access accounts to fixed rate and online saving options. You can explore online or talk to one of team in your local branch.

Savings

Buying a home or remortgaging

To discuss our wide range of mortgages and how much you might be able to borrow, make an appointment with a Mortgage & Protection Manager in your local branch.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Mortgages

Protecting you and your family

It could be a good idea to have a 'Plan B', providing peace of mind if the unexpected happens. With HSBC Life Cover, Critical Illness Cover and Income Cover you can choose the level of protection you require for you and your family. This flexible approach means you only ever pay for the cover you need. You can find out more online or, to get advice on our current range of HSBC protection products, book an appointment with a Mortgage & Protection Manager in your local branch.

Protection

Choosing your own investments

If you're comfortable making your own investment decisions, we offer a range of online investment and sharedealing services. As well as access to funds and shares, you'll find topical news and analysis, interactive research tools and virtual portfolios to try out your strategies.

Bear in mind that if you choose to invest without advice, we're not required to assess the suitablility of your investments. This means that the protection offered by the Financial Conduct Authority's rules on assessing suitability won't apply.

The value of investments (and any income received from them) can fall as well as rise and you may not get back what you invested. For some investments this can also happen as a result of exchange rate fluctuations as shares and funds may have an exposure to overseas markets.

Investments

Getting tailored advice

If you have £50,000 or more in savings and investments, you may be eligible for HSBC Premier Financial Advice. Our expert advisers offer holistic advice, which means we assess your needs across all of the following five areas:

  • protecting you and your family
  • saving for your children's future
  • planning your retirement
  • managing and growing your wealth
  • passing on your wealth

Through in-depth personal assessment and sophisticated risk profiling software, your adviser will discuss your hopes and dreams, help you identify your risk tolerance and work with you to build a bespoke financial plan.

We have chosen to offer restricted advice. This means we don't offer products from the whole of the market, but rather recommend limited types of products which we offer from a limited number of companies, including HSBC. Your adviser will discuss the types of products and services we provide advice on, as well as those we don't.

During your initial consultation, your adviser will discuss your goals and circumstances, and whether you might benefit from paying for financial advice. All our fees and charges will be clearly explained and you will be under no-obligation to proceed with advice.

Tailored advice

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The value of investments (and any income received from them) can fall as well as rise and you may not get back what you invested. For some investments this can also happen as a result of exchange rate fluctuations as shares and funds may have an exposure to overseas markets. Most investments should be considered as a medium to long-term commitment, meaning you should be prepared to hold them for at least five years

Everyone's circumstances are different and what applies to one person may not be right for someone else. The suggestions above are based on a general assumption of each circumstance and they are not intended to provide advice or recommendation.

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