International Banking - Managing Your Investments

We can help you choose where to invest your money and for how long. Depending on your risk attitude and through our constant monitoring of the financial markets we can assist you to maximise your investment returns. Our international private clients managers constantly monitor the financial markets in order to ensure that your hard-earned investments are given the due attention they deserve.

They will analyse your existing portfolio and ensure that the products offered suit your needs.

Share dealing service

We can provide you with a share dealing service for all equities and bonds quoted on the Malta Stock Exchange and on all international bourses. This is an "execution only" service.

The Bank can also act as broker in most types of securities, including Treasury Bills, Eurobonds, Floating Rate Notes, short term Commercial Paper, equities (shares) and investment or unit trusts. Clients' buy/sell orders will be executed by us upon receipt of your instructions. Minimum orders are for USD25,000 (or foreign currency equivalent) for fixed income securities and equities.

Investment Services

The HSBC Group also has a wide product range of funds. These include products with capital security and a range of international investment funds are available. Specific product brochures and prospectuses are available which describe these products and others in more detail and include detailed information on fee structure and charges where these are payable.

Investment Products - Malta

For euro denominated investments we work closely with HSBC Fund Management (Malta) Ltd and HSBC Life Assurance (Malta) Ltd. to provide you with a comprehensive range of successful, dynamic investment funds and retirement planning products.

HSBC Life Assurance (Malta) Ltd. also provides a mix of life assurance protection products for you and your family.

Investment Products - Overseas

Your international private clients manager can provide you with information on a wide selection of available overseas collective investment schemes. These are mainly denominated in GBP, USD and EUR.

Portfolio Management

You may wish to have your overseas investment portfolio managed for you. To assist you in this specialist area we can offer a range of long-term, performance-oriented investment management services.

To meet the requirement for flexibility, a choice of investment services are available including advisory management.

Further flexibility and diversification stems from the range of investment instruments, which are chosen for their ability to fulfil a particular role within your portfolio. Equities, with their long-term track record for outperforming standard savings and deposit accounts, provide access to the world's stock markets. Bonds offer a higher degree of stability to balance the volatility of equities. Treasury products can be used to protect the portfolio against inflation or currency variations. The precise weighting of elements in the portfolio will be advised on the basis of factors identified in your investment profile.

Discretionary vs Advisory Portfolio

Please remember that investment values can fall as well as rise and there may be risk related to fluctuations in exchange rates.

Should you require any further information on any of our services we will be more than pleased to assist you in a confidential and professional manner.

As with any investment in stocks and shares the process of the constituent elements of a portfolio and the income from it can go down as well as up and it is possible that a portfolio value may fall below the original investment. This may also happen as a result of changes in the rates of exchange where overseas securities are held.

Please note that past performance is not a guarantee of future performance.

Maltese Exchange controls as at the time of investment should be observed, if applicable.