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Overseas Investment Plan

Overseas Investment Plan - QDII Offshore Fund / Overseas Investment Plan - QDII Overseas Bond

Under the Overseas Investment Plan, the funds raised by HSBC will be invested in corresponding overseas funds and QDII bonds in accordance with the relevant provisions and regulations.The product is launched by HSBC Bank (China).

  • Global asset allocation: Enables you to invest in the global market and diversify potential risks
  • Flexible subscription: The Strategic Retail Brokerage Platform - QDII Funds helps you track market changes in real-time, purchase or redeem anytime through our Personal Internet Banking or WeChat account. We reserve the right to amend subscription for purchases according to QDII quota limit. Detailed information can be found at HSBC branches and sub-branches, corporate website and WeChat account
  • Optimised investment portfolio: Our experts in Global Asset Management will recommend an Overseas Investment Plan to meet your needs

How to invest

HSBC Personal Internet Banking

You will need a Security Device or two-factor authentication to log on and apply. 

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HSBC China Mobile Banking

Scan QR code below to download HSBC China Mobile Banking APP. Investment plans are all on your hand.

HSBC China WeChat Service Account

Scan QR code below to follow our official WeChat Service Account “HSBC China Customer Services”.

Most recent products under Overseas Investment Plan

Wealth management is not equal to deposit. Please be aware of the risks associated with the product and make prudent investment decisions.

QDII Offshore Fund

The management company of relevant offshore fund will update the fund factsheet from time to time which will provide information on key facts, investment objective, performance and etc. Please visit the management company’s official website for details. If there is any further enquiries, please contact HSBC 24 hours service line +86 400-820-8828 (for HSBC Premier customers) or +86 400-820-8878 (for HSBC Advance Customers).

QDII Overseas Bonds

Service charge and fees

The subscription and redemption rate is charged according to the type of QDII fund you applied. 

  • Service charges for subscribing to a financial plan 

We will adjust the subscription fee of any financial products relevant to a QDII bond according to its remaining tenor or yield to maturity.  For a subscription, the fee charged will be between 0.4% and 2.4% of the subscription amount corresponding to the remaining tenor of the QDII on the day of subscription. The subscription fee will be listed in the subscription application form. The service charge is included in the price of subscription so there is no extra payment. 

  • Service charge for financial plan redemption

We will adjust the service charge of the financial plan redemption according to the remaining tenor of QDII from time to time. The redemption charge will be reduced as the tenor declines. When you redeem a financial plan, the applied redemption fee will be charged between 0.25% and 0.75% of the redemption value corresponding to the remaining privileges of the QDII bond on application day. The redemption charge will be listed in the application form. This charge is already included in the price of financial plan redemption and there is no extra payment. 

  • Other service charges

In other cases (including coupon rate payment, redemption on maturity, redemption of the Bank, or redemption due to the early redemption of the QDII bonds), we will not charge any extra fees. 

The subscription and redemption rate is charged according to the type of QDII fund you applied. 

  • Service charges for subscribing to a financial plan 

We will adjust the subscription fee of any financial products relevant to a QDII bond according to its remaining tenor or yield to maturity.  For a subscription, the fee charged will be between 0.4% and 2.4% of the subscription amount corresponding to the remaining tenor of the QDII on the day of subscription. The subscription fee will be listed in the subscription application form. The service charge is included in the price of subscription so there is no extra payment. 

  • Service charge for financial plan redemption

We will adjust the service charge of the financial plan redemption according to the remaining tenor of QDII from time to time. The redemption charge will be reduced as the tenor declines. When you redeem a financial plan, the applied redemption fee will be charged between 0.25% and 0.75% of the redemption value corresponding to the remaining privileges of the QDII bond on application day. The redemption charge will be listed in the application form. This charge is already included in the price of financial plan redemption and there is no extra payment. 

  • Other service charges

In other cases (including coupon rate payment, redemption on maturity, redemption of the Bank, or redemption due to the early redemption of the QDII bonds), we will not charge any extra fees. 

More information

We introduce this platform for QDII Funds to help you:

  • Keep track of market changes 24 hours a day to capture new opportunities 
  • Instant access to global asset allocation
  • Risk management control to quickly adjust your portfolio

Get started

Subscribe to QDII Offshore Funds by logging on to Personal Internet Banking.

Wealth management is not equal to deposit. Please be aware of the risks associated with the product and make prudent investment decisions.

The Monthly Installment Plan is a non-principal protected product with floating returns. The investment plan is a high risk investment product and you may suffer losses. You should be fully aware of investment risks and invest prudently. This monthly investment plan is different from deposits and bears investment risks. Investors may suffer capital loss at the time of redemption and the redemption proceeds may even be zero (which means 100% capital loss).

The investor can subscribe for the monthly instalment plan as an additional investment following their first completed subscription to the QDII scheme. 

Monthly instalment plan tenor, one year from the date of signing the contract.

Initial monthly plan:

Investment currency
Minimum Investment amount under MIP
RMB
RMB 1,000
USD
USD 170
HKD
HKD 1,500
EUR
EUR 150

Key features

With a flexible subscription date and a low regular investment contribution, the product enjoys the benefits of 'dollar cost averaging'. 

Key benefits

  • Flexible investment

On the first completed subscription to any QDII Fund, you can:

- decide the monthly investment amount and subscription date

- determine a market value goal of the targeted investment 

- sign up for monthly alert service, including a reminder for end of tenor and make changes to the monthly investment amount and subscription date, prior to date of maturity 

  • Multi-channel and regular alert service

SMS or Internet Banking notification will remind you to reserve sufficient funds for the monthly investment. 

  • Pre-set investment goal

Set a market value goal to achieve. Once the goal is met, you will receive an alert via SMS or internet banking

In today’s fast-paced financial world, the only way to stay ahead is to be on top of current market events. Tap into our unique market insights and investment analysis to stay informed about the latest trends and regional news with just a few clicks.

We introduce this platform for QDII Funds to help you:

  • Keep track of market changes 24 hours a day to capture new opportunities 
  • Instant access to global asset allocation
  • Risk management control to quickly adjust your portfolio

Get started

Subscribe to QDII Offshore Funds by logging on to Personal Internet Banking.

Wealth management is not equal to deposit. Please be aware of the risks associated with the product and make prudent investment decisions.

The Monthly Installment Plan is a non-principal protected product with floating returns. The investment plan is a high risk investment product and you may suffer losses. You should be fully aware of investment risks and invest prudently. This monthly investment plan is different from deposits and bears investment risks. Investors may suffer capital loss at the time of redemption and the redemption proceeds may even be zero (which means 100% capital loss).

The investor can subscribe for the monthly instalment plan as an additional investment following their first completed subscription to the QDII scheme. 

Monthly instalment plan tenor, one year from the date of signing the contract.

Initial monthly plan:

Investment currency
Minimum Investment amount under MIP
RMB
RMB 1,000
USD
USD 170
HKD
HKD 1,500
EUR
EUR 150

Key features

With a flexible subscription date and a low regular investment contribution, the product enjoys the benefits of 'dollar cost averaging'. 

Key benefits

  • Flexible investment

On the first completed subscription to any QDII Fund, you can:

- decide the monthly investment amount and subscription date

- determine a market value goal of the targeted investment 

- sign up for monthly alert service, including a reminder for end of tenor and make changes to the monthly investment amount and subscription date, prior to date of maturity 

  • Multi-channel and regular alert service

SMS or Internet Banking notification will remind you to reserve sufficient funds for the monthly investment. 

  • Pre-set investment goal

Set a market value goal to achieve. Once the goal is met, you will receive an alert via SMS or internet banking

In today’s fast-paced financial world, the only way to stay ahead is to be on top of current market events. Tap into our unique market insights and investment analysis to stay informed about the latest trends and regional news with just a few clicks.

How to invest

Make an appointment

Make an appointment

By phone

 For general inquiry (RBWM only)

+86 400-820-3090

Make an appointment

Frequently asked questions

1. This investment product is a non-principal protected investment product with floating return involving high investment risks. You may suffer significant loss of principal due to market fluctuation. In worst scenario, your investment return may be zero, and may even lose all original principal. Investors should fully understand the investment risks and act prudently in making the investment decision.

  • Return risk: This financial plan is not equivalent to traditional deposits and involves floating returns. The Bank does not provide any guarantee or promise on the return of the investment plan. The investment plan does not guarantee a return higher than other investments or deposit products, and the return may be zero.
  • Credit risk: Under this plan, the investor is responsible for the credit risk of the Bank, overseas fund manager, overseas fund investment adviser, overseas bond issuer and overseas bond guarantor (if applicable), custodian bank, overseas custodian bank and overseas counter party.
  • Overseas investment risk: Not with standing the fact that investors do not directly invest in or hold overseas bonds issued by overseas issuers, but rather subscribe the investment plan issued by the Bank, all the risks associated with the Bank’s investment in the overseas bonds will be passed onto investors as the overseas bonds issued by overseas issuers are the Bank’s investment targets under this plan.
  • Exchange risks:If the investment currency is not your base currency, and you choose to convert to other currency for the purpose of subscribing to this investment plan and/or you choose to convert the principal investment and return (if any) back to your base currency, your actual investment result could be affected positively or negatively due to exchange rate fluctuations. The exchange rate fluctuations might cause positive or negative affects. In the worst case scenario, the investor might gain a zero return due to the exchange rate fluctuations, and lose the 100% of the principal.
  • Principal Risk: This plan does not provide capital protection. Investors may suffer redemption of the principal loss, the redemption amount may even be zero, that is, the loss of all principal capital.

The above list only covers part of the risks involved in the financial plan. Please refer to the "Risk Disclosure" to fully understand all details of the risk factors involved in this financial plan.

2. The information shown in this website does not constitute any contract value, and should not be regarded as any offer, solicitation or recommendation to conduct any investment, subscriptions or purchase of any products. If you plan to make any investment or subscription, please ask for relevant legal documents from the Bank.  All rights and obligations relating to any specific products will be subject to the legal documents.